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<h3>Micah Jensen</h3>
My name is Micah Jensen; I am the creator of WiRealEstate.org. As a Realtor with Premier Point Realty, I saw the need for a platform that provides essential resources to both buyers and sellers. This platform seeks to help users make more informed decisions and develop a better understanding of the Wisconsin markets. My purpose is to empower and assist as many individuals as possible.
Realtor - <a href="https://www.premierpointrealty.com/" target="_blank">Premier Point Realty</a>
(262) 200-1527
MJensen@premierpointrealty.com
License #95697-94

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To be your go-to source for all things real estate in all of Wisconsin. Whether you're a first-time homebuyer or a seasoned investor, the ultimate goal is to streamline the real estate process, build trust and credibility, and empower you to make informed decisions about your real estate investments.

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"I was nervous as a first-time homebuyer, but Micah made the process easy and stress-free for my wife and I. He was always available to answer my questions, and his quick response time was greatly appreciated. Micah is incredibly knowledgeable about the market and was able to find me the perfect home within my budget. His honest and straightforward approach made me feel comfortable throughout the entire process. I highly recommend Micah to anyone looking to buy a home."

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<h3>What Are Closing Costs Like in Wisconsin?</h3>Closing costs can feel like a mysterious extra expense tacked onto the end of your home buying or selling journey. But fear not! Understanding these costs upfront will help you budget effectively and avoid surprises at the closing table.This blog post breaks down closing costs for both Wisconsin home buyers and sellers, giving you a clear picture of what to expect.*DISCLAIMER* The information provided is an estimate; your actual closing costs may vary.<h3>Closing Costs for Wisconsin Home Buyers:</h3><figure id="figure-yz88id2peilubjp21z"><img id="yz88id2peilubjp21z" src="https://cdn.durable.co/shutterstock/1G93Z7YF0xh5TlbbMTS21o3eKLItaWOaOUSzDZE9Ekw4QPWICdOFVdJ2hgsMWYLL.jpeg" alt="Estate agent sending house model to client after signing agreement contract real estate with approved mortgage application form, concerning mortgage loan offer for and house insurance." title="Estate agent sending house model to client after signing agreement contract real estate with approved mortgage application form, concerning mortgage loan offer for and house insurance." class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/shutterstock/1G93Z7YF0xh5TlbbMTS21o3eKLItaWOaOUSzDZE9Ekw4QPWICdOFVdJ2hgsMWYLL.jpeg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>In Wisconsin, buyer closing costs typically range between 2% and 5% of the purchase price of the home. The exact amount will vary depending on several factors, including: Loan type: Government-backed loans (FHA, VA) often have lower closing costs than conventional loans. Negotiations: You may be able to negotiate with the seller to cover some closing costs. Taxes: Prorated property taxes will be factored into your closing costs. Lender fees: Origination fees, underwriting fees, and document recording fees are common. Third-party fees: This might include appraisal costs, title insurance, and homeowner's insurance.Here's a breakdown of some common buyer closing costs in Wisconsin:Origination fee: 0.5% - 1% of the loan amount. Underwriting fee: $300 - $800 Title insurance: 0.5% - 1% of the loan amount. Escrow fees: Varies depending on lender. Prorated property taxes: Covers the period from the closing date to the end of the current tax year. Homeowner's insurance: First year's premium. <a data-mce-href="https://www.nerdwallet.com/article/insurance/homeowners-insurance-wisconsin-wi#:~:text=The%20average%20cost%20of%20homeowners,average%20is%20%241%2C915%20per%20year." href="https://www.nerdwallet.com/article/insurance/homeowners-insurance-wisconsin-wi#:~:text=The%20average%20cost%20of%20homeowners,average%20is%20%241%2C915%20per%20year." target="_blank" rel="noopener">(WI average is $1300/year)</a> Inspection: $250 - $500 Depending on the size of the property. Appraisal: $300 - $600 Depending on the size of the property.Tips for Wisconsin Home Buyers:Get a Loan Estimate (LE): Your lender is required to provide you with a Loan Estimate (LE) early in the loan process. This document outlines the estimated closing costs associated with your loan. Shop around for lenders: Compare closing cost quotes from different lenders to find the best deal. Negotiate closing costs: Don't be afraid to negotiate with the seller to cover some of your closing costs.<h3>Closing Costs for Wisconsin Home Sellers:</h3><figure id="figure-zmypoyyu2klubjqlmy"><img id="zmypoyyu2klubjqlmy" src="https://cdn.durable.co/shutterstock/3s0XODr8Y7CztV9tDspP754j36JRxsy5noIyR29tbji1xLWWrzaoAJosTbqJgmWK.jpeg" alt="Business Signing a Contract Buy - sell house, Man sign a home insurance policy on home loans, insurance agent analyzing about home investment loan Real Estate concept." title="Business Signing a Contract Buy - sell house, Man sign a home insurance policy on home loans, insurance agent analyzing about home investment loan Real Estate concept." class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/shutterstock/3s0XODr8Y7CztV9tDspP754j36JRxsy5noIyR29tbji1xLWWrzaoAJosTbqJgmWK.jpeg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>For Wisconsin home sellers, closing costs typically range between 6% and 10% of the selling price. Here's a breakdown of some common seller closing costs:Real estate agent commission: Typically 5-6% (negotiable) of the selling price, but only 4.4% if you list with me! <a data-mce-href="https://forms.gle/qgYdhbB1cPfLgdAN6" href="https://forms.gle/qgYdhbB1cPfLgdAN6" target="_blank" rel="noopener">(Click here for a free home analysis)</a> Closing fee: $250 - $500 Covers the cost of the closing service provider. Title insurance: Typically around 0.5% of property value. Prorated property taxes: Covers the period from the beginning of the current tax year to the closing date. Transfer taxes: Wisconsin has a real estate transfer tax of 0.75% of the selling price, typically split between buyer &amp; seller.Tips for Wisconsin Home Sellers:Factor closing costs into your pricing strategy: When determining your listing price, consider the closing costs you'll be responsible for. Negotiate the commission with your Realtor: Real estate agent commissions are negotiable, so shop around and compare rates.*DISCLAIMER* The information provided is an estimate; your actual closing costs may vary.

Wisconsin Buyer & Seller Closing Cost

For many, homeownership is a cherished dream. It offers a multitude of advantages that extend far beyond simply having a place to live. From building equity to enjoying stability and the freedom to personalize your space, homeownership provides numerous benefits that make it a worthwhile investment. In this blog post, we'll delve into these advantages and explore why owning a home can have a lasting positive impact on your life.<figure id="figure-3a0nn2c7jlu0b9519"><img id="3a0nn2c7jlu0b9519" src="https://cdn.durable.co/covers/39b9RZZKqWfb9hRc1A8l51l4oBJOOzNeABHdrEtrI5ZYZSfDPOBfPJFnbrTEeb58.jpg" alt="white sofa chair near fireplace" title="white sofa chair near fireplace" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/covers/39b9RZZKqWfb9hRc1A8l51l4oBJOOzNeABHdrEtrI5ZYZSfDPOBfPJFnbrTEeb58.jpg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure><h3>Building Wealth Through Equity</h3>One of the most significant perks of homeownership is the opportunity to build equity over time. With each mortgage payment and as your home appreciates in value, you're essentially investing in an asset that increases your net worth. Unlike renting, where monthly payments contribute to someone else's wealth, homeownership allows you to build a valuable asset that contributes to your long-term financial security.<h3>Stability &amp; a Sense of Belonging</h3>Owning a home fosters a sense of stability and security for you and your family. Unlike rentals, where leases can expire and rents can fluctuate, homeownership offers greater control and predictability over your living situation. You have the freedom to establish roots in a community, build relationships with neighbors, and create a sense of belonging that contributes to your overall well-being.<h3>Making Your Space Your Own</h3>One of the joys of homeownership is the ability to personalize your space to reflect your taste and preferences. Whether it's painting the walls, remodeling the kitchen, or creating a backyard oasis, owning a home allows you to customize your living environment and make it truly your own. The pride of homeownership comes from a sense of accomplishment and the ability to shape your living space into a place that feels uniquely yours.<figure id="figure-jt61b9ovvdlu0bdj2f"><img id="jt61b9ovvdlu0bdj2f" src="https://cdn.durable.co/blocks/17EvbdOyHrTzaNpIbFnE1NQafp2gHC1aiChL92K3f28UInWCb7lU4JpsesQYSocn.jpg" alt="white and gray floral sofa chair" title="white and gray floral sofa chair" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/17EvbdOyHrTzaNpIbFnE1NQafp2gHC1aiChL92K3f28UInWCb7lU4JpsesQYSocn.jpg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure><h3>Financial Advantages Beyond Equity</h3>Building equity is just one aspect of the potential financial benefits of homeownership. Mortgage interest deductions, property tax benefits, and potential appreciation in home value can all positively impact your finances over time. Additionally, owning a home can provide a sense of financial security in retirement, as you have the option to downsize, rent out your property, or use it as an asset to support your future plans.<h3>Building Community Connections</h3>Homeownership can foster a sense of community and encourage social connections. Engaging with neighbors, participating in neighborhood events, and being part of a community can enhance your overall quality of life. Owning a home provides opportunities to establish long-lasting relationships and create a support network within your neighborhood, making it a valuable aspect that goes beyond the physical property itself.<figure id="figure-dcxsik3wp5lu0bfscb"><img id="dcxsik3wp5lu0bfscb" src="https://cdn.durable.co/blocks/2aiiwAkleezZ4FesldoSIbzKMD3na4v8NsGwU7rvrvbHWDnq3SDNpIxzc0MueIVL.jpg" alt="aerial photography of rural" title="aerial photography of rural" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/2aiiwAkleezZ4FesldoSIbzKMD3na4v8NsGwU7rvrvbHWDnq3SDNpIxzc0MueIVL.jpg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure><h3>Let's Be Real: Preparing for Homeownership</h3>Owning a home comes with responsibilities and considerations that potential buyers need to be aware of. Firstly, it's crucial to assess your financial readiness. Budget for mortgage payments, property taxes, insurance, and maintenance costs. Homeownership also requires ongoing maintenance and repairs, so planning for these expenses is important. Additionally, keep in mind that owning a home is a long-term commitment. Selling a property may take time and be subject to market conditions. Understanding market fluctuations and approaching homeownership as a long-term investment is wise. If you're considering a property within a homeowners association (HOA), familiarize yourself with the rules and fees associated with it. By considering these factors and working with a trusted realtor, you can navigate the challenges and make well-informed decisions. This realistic approach can ensure a smoother homeownership experience.<figure id="figure-46z8s0u79rlu0bgo32"><img id="46z8s0u79rlu0bgo32" src="https://cdn.durable.co/blocks/20715fVLTrKCAC9Q3ZtJ2EcOKWUEYv8B1kSh5Lz2uGJMDfyBI9zxDBXBX1PsFPZs.jpg" alt="white and red wooden house miniature on brown table" title="white and red wooden house miniature on brown table" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/20715fVLTrKCAC9Q3ZtJ2EcOKWUEYv8B1kSh5Lz2uGJMDfyBI9zxDBXBX1PsFPZs.jpg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure><h3>Conclusion: Investing in Your Future</h3>Owning a home offers a multitude of benefits that go beyond the physical aspects of property ownership. From the financial advantages of building equity to the stability, personalization, and sense of pride that come with homeownership, it's a decision that can bring lasting value to your life. If you've been considering homeownership, now is an opportune time to explore the advantages it offers and take the first steps toward making your dream a reality.Remember, each homeowner's experience is unique, and it's important to carefully consider your personal circumstances and financial goals before making the decision to purchase a home. However, with the many benefits homeownership provides, it's undoubtedly a worthwhile investment for those seeking stability, personalization, and long-term financial growth. If you're ready to embark on your homeownership journey or have any questions about the process, feel free to reach out. I am here to guide and support you every step of the way.

The Benefits of Homeownership: Why It's Worth the Investment

Today, I want to focus on an essential aspect of the home buying process: Credit Scores. Your credit score plays a significant role in securing a mortgage, determining the interest rate you'll receive, and even the amount of money you can borrow. It's crucial to understand the role of credit scores in buying a home, especially in Wisconsin.When it comes to buying a home, your credit score is one of the most important factors that lenders consider. A credit score is a three-digit number that represents your creditworthiness based on your credit history.Lenders use credit scores to assess the risk of lending you money. Generally, the higher your credit score, the better your chances of getting approved for a mortgage with favorable terms. So, what are lenders looking for in credit scores? Typically, they want to see a credit score of at least 580, although some lenders may require a higher score, especially for conventional loans. Lenders use different credit scoring models, but most use the FICO scoring model, which ranges from 300 to 850.<figure id="figure-5ypz17l6u8ltowpcah" class=""><img id="5ypz17l6u8ltowpcah" src="https://cdn.durable.co/blocks/1Js9KqhYPnkV4M4aCEC33kThDY1UdIXk4Zad4NPKDJhHAj4NFiimxJcY3Es0e7fO.jpg" alt="A good credit score is considered 700-750." class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: undefined undefined;" data-corners="default" data-aspect="16:9" data-caption="A score of 700 or above is considered good, while a score of 800 or above is excellent." data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/1Js9KqhYPnkV4M4aCEC33kThDY1UdIXk4Zad4NPKDJhHAj4NFiimxJcY3Es0e7fO.jpg" data-mce-style="aspect-ratio: 16/9; object-position: undefined undefined;"><figcaption class="body-normal text-gray-500 mt-2">A score of 700 or above is considered good, while a score of 800 or above is excellent.</figcaption></figure>Some factors that influence your credit score include your payment history, credit utilization ratio, length of credit history, and credit mix. It's crucial to keep track of these factors and maintain a healthy credit score, especially if you're planning to buy a home soon. I recommend checking credit reports regularly using free services like Credit Karma.To improve your credit score, start by making timely payments on all your bills and credit accounts. Reduce your credit utilization ratio by paying down debts and avoid opening new credit accounts unless it's necessary. It's also important to check your credit report regularly to ensure there are no errors or fraudulent activities that could be affecting your score.In addition to your credit score, lenders also look at other factors, such as your debt-to-income ratio, employment history, and savings. It's crucial to maintain a good credit score, but also to ensure that you don't have too much debt and that you have stable employment and savings. When you're ready to buy a home, it's crucial to shop around and compare different lenders' rates and terms.Remember, each lender may have different requirements and criteria for approving borrowers, so it's essential to do your research and find the best fit for you. In Wisconsin, the real estate market is highly competitive, and having a good credit score can give you an advantage in securing your dream home. If you're not sure where to start, reach out to a trusted Realtor or mortgage lender for guidance.I hope this information is helpful as you navigate the home buying process in Wisconsin. Remember that there are many resources available to help you improve your credit score, such as credit counseling services and credit monitoring tools. As always, if you have any questions or need assistance with buying or selling a home in Wisconsin, don't hesitate to reach out to me. I am here to help.

Micah Jensen

Comprehensive Services

Recent Blog Posts

Wisconsin Buyer & Seller Closing Cost

The Benefits of Homeownership: Why It's Worth the Investment

The Role of Credit Scores When Buying a Home