Posted in Buyers

Homebuying Step 3 – Your Home Search Criteria

Know What You Need: Step 3 – Defining Your Home Search Criteria

Home Buying Series | Week 3 of 8 | January 2026

You’re pre-approved for your mortgage and have assembled your professional team. Now comes one of the most important steps in your homebuying journey: clearly defining what you’re looking for in a home. Creating a structured list of must-haves versus nice-to-haves will save you time, reduce stress, and help you make confident decisions when the right property becomes available.

Why a Home Search Checklist Matters

House hunting without clear criteria is like grocery shopping when hungry—you’ll be tempted by everything you see and likely make decisions you’ll regret later. A well-defined checklist provides focus, prevents emotional decision-making, and ensures you don’t waste time viewing properties that don’t meet your fundamental needs.

According to industry research, homebuyers typically view between 10 and 15 homes before making an offer. Without clear parameters, that number can increase significantly, leading to decision fatigue and confusion. A structured approach to defining your criteria helps you efficiently narrow options and identify the right home faster.

The 80/20 Rule: Finding a home that meets 100% of your wishlist is extremely rare. Real estate professionals use the 80/20 rule as a guideline—if a home has 80% of what you need and 20% of what you want, it’s likely worth serious consideration.

Understanding the Three Categories

Must-Haves: Non-Negotiable Features

Must-haves are the critical features you absolutely cannot live without. These are deal-breakers that, if absent, eliminate a property from consideration regardless of its other attributes. Must-haves typically involve features that would be impossible or extremely expensive to change.

Examples: Minimum number of bedrooms for your family size, location within specific school districts, single-family home versus condo, wheelchair accessibility requirements, specific commute distance to work, adequate parking for your vehicles.

Nice-to-Haves: Desirable But Optional

Nice-to-haves are features that would enhance your living experience but aren’t essential for day-to-day life. These are items you’re willing to compromise on, especially if they can be added or modified later. Nice-to-haves often involve aesthetics, upgrades, and amenities that add comfort or convenience.

Examples: Updated kitchen with modern appliances, hardwood floors throughout, finished basement, swimming pool, smart home technology, walk-in closets, fireplace, specific architectural style.

Don’t Cares: Irrelevant Features

Don’t cares are features that simply don’t matter to your lifestyle. Identifying these helps you avoid being distracted by irrelevant property characteristics during your search.

Examples: If you work from home, commute time doesn’t matter. If you don’t have vehicles, parking isn’t a concern. If you prefer low-maintenance living, extensive landscaping or large yards may be undesirable rather than appealing.

Key Categories to Consider

Location and Neighborhood

Location impacts not only your daily life but also your home’s future resale value. Consider proximity to work, schools, shopping, healthcare, and family. In Juneau County, buyers often choose between the amenities and tourism infrastructure of Wisconsin Dells versus the quieter, more affordable communities like Mauston, New Lisbon, or Necedah. Each offers distinct advantages depending on your lifestyle preferences.

Property Type and Size

Determine whether you prefer a single-family home, condominium, townhouse, or rural property. Consider square footage needs based on your household size and lifestyle. Remember that property type influences ongoing maintenance responsibilities and costs.

Bedrooms and Bathrooms

The number of bedrooms and bathrooms significantly impacts home functionality and value. Consider current needs plus future plans. Do you need a home office? Guest room? Space for growing children? A general guideline suggests one bathroom for every two bedrooms for comfortable living.

Condition and Age

Decide whether you prefer move-in ready homes or are willing to tackle renovations. Newer homes typically require less immediate maintenance but may cost more upfront. Older homes can offer character and affordability but may need updates to major systems like roofing, HVAC, plumbing, or electrical.

Outdoor Space

Consider yard size, landscaping maintenance, and outdoor living areas. Families with children or pets often prioritize fenced yards, while others may prefer low-maintenance landscaping or none at all.

Storage and Parking

Evaluate garage space, driveway parking, basement storage, and closet capacity. In Central Wisconsin, many buyers prioritize attached garages for winter weather protection and additional storage for recreational equipment.

Creating Your Personalized Checklist

Step 1: Start with a Brain Dump

List everything you want in a home without filtering or categorizing. Include features, locations, amenities, and any other considerations. Don’t hold back—this initial list captures your complete wish list before reality sets in.

Step 2: Evaluate Your Current Living Situation

What do you love about where you currently live? What drives you crazy? Past living experiences provide valuable insight into what truly matters to you versus what sounds good in theory. If your current kitchen layout frustrates you daily, prioritize a functional layout in your search.

Step 3: Consider Your Timeline

How long do you plan to live in your next home? Research shows that the typical homeowner stays in a single-family home for approximately nine years. If you’re buying a starter home with plans to upgrade in five years, your must-haves may differ from someone planning to stay long-term. Short-term buyers might accept a smaller home, while long-term buyers should consider future family growth.

Step 4: Assess Realistic Modification Potential

Can a want become a reality through renovation? Cosmetic updates like paint, flooring, and appliances are relatively simple and affordable to change. Structural modifications, room additions, or major system replacements are expensive and complex. Understanding what’s changeable helps you prioritize appropriately.

Step 5: Categorize and Prioritize

Go through your brain dump list and assign each item to must-have, nice-to-have, or don’t care categories. Then rank your must-haves in order of importance. This hierarchy becomes critical when evaluating properties and making compromises.

Step 6: Align with Budget Reality

Your pre-approval amount sets your maximum budget, but your must-haves must be realistic within that budget. Work with your real estate agent to understand what your budget buys in your desired Juneau County communities. You may need to adjust expectations based on current market conditions.

Expert Tip for Central Wisconsin Buyers

In rural Central Wisconsin communities like Elroy, Wonewoc, and Lyndon Station, buyers often find more square footage and land for their budget compared to Wisconsin Dells or Mauston. However, consider trade-offs like longer drives to shopping and services. Your must-have list should reflect what matters most for your daily lifestyle.

Working with Your Real Estate Agent

Your completed checklist is an invaluable tool for your real estate agent. Share your categorized list early in the process so your agent can set up targeted property searches that match your criteria. As you view homes, your priorities may shift—communicate these changes immediately so your agent can adjust the search accordingly.

An experienced local agent familiar with Juneau County markets can provide realistic feedback on your checklist, helping you understand what’s achievable within your budget and identifying potential compromises you may not have considered. Your agent becomes your partner in balancing your wish list with market reality.

When to Compromise and When to Stand Firm

Homebuying inherently involves compromise. Very few buyers find a home meeting every single criterion. Understanding when to be flexible and when to hold firm is crucial.

Stand Firm On: Safety concerns, major structural requirements, location within required school districts, accessibility needs, and features that would be prohibitively expensive to add or change.

Consider Compromising On: Cosmetic features like paint colors, flooring, and fixtures that can be updated affordably. Outdoor landscaping that can be modified over time. Appliance upgrades that can be made gradually. Minor layout preferences that don’t affect functionality.

Reassess Carefully: If a property lacks multiple must-haves, it’s likely not the right fit. However, if a home is perfect in nearly every way but lacks one must-have, consider whether that item could truly be a nice-to-have instead. Sometimes viewing actual properties helps clarify what’s genuinely essential versus what seemed important in theory.

Ready to Define Your Home Search Criteria?

Let’s work together to create a targeted home search strategy that matches your must-haves with available properties in Mauston, New Lisbon, Wisconsin Dells, and throughout Juneau County. With my local expertise and understanding of Central Wisconsin markets, I’ll help you find a home that truly fits your lifestyle and budget.

Contact Liz Walker Today

Next Week: Step 4 – Beginning Your Home Search and Attending Showings

© 2026 Liz Walker | RE/MAX Real Estate Professional

Proudly Serving: Mauston | New Lisbon | Necedah | Elroy | Wonewoc | Lyndon Station | Wisconsin Dells | Adams | Friendship | Tomah | Camp Douglas | Oakdale

Licensed Real Estate Agent in Wisconsin | Equal Housing Opportunity

Posted in Buyers

Homebuying Step 2 – Assemble Your Dream Team

Building Your Dream Team: Step 2 – Assembling Your Homebuying Professionals

Home Buying Series | Week 2 of 8 | January 2026

Last week, we discussed the importance of mortgage pre-approval as your first step toward homeownership. Now that you understand your budget and financing capability, it’s time to assemble your homebuying team. Purchasing a home is one of life’s largest financial transactions, and having the right professionals in your corner makes the difference between a smooth process and a stressful experience.

Why You Need a Professional Team

Buying a home involves complex legal documentation, financial decisions, property evaluations, and negotiations. While it’s possible to navigate some aspects independently, working with experienced professionals protects your interests, saves time, identifies potential issues early, and ultimately helps you make informed decisions throughout the process.

According to the National Association of Realtors, 87% of homebuyers who purchased in 2021 financed their home, and the overwhelming majority worked with real estate professionals to guide them through the transaction. The homebuying process has become increasingly complex, making professional guidance more valuable than ever.

Essential Team Members for Your Home Purchase

1. Real Estate Agent (Buyer’s Agent)

Role: Your real estate agent serves as your advocate throughout the entire homebuying journey. They provide market expertise specific to Juneau County communities like Mauston, Wisconsin Dells, and New Lisbon, helping you identify properties that match your needs and budget.

Key Responsibilities: Property search and showings, market analysis and pricing guidance, offer preparation and negotiation, coordination with other professionals, contract review and explanation, guidance through contingencies and deadlines, and support through closing and beyond.

Why It Matters: A skilled local agent knows neighborhood trends, school districts, property values, and can spot red flags that inexperienced buyers might miss. Their negotiation expertise can save you thousands of dollars and prevent costly mistakes.

2. Loan Officer / Mortgage Lender

Role: Your loan officer guides you through the mortgage application and approval process, helping you secure financing that fits your financial situation.

Key Responsibilities: Pre-approval and pre-qualification, mortgage product recommendations, rate shopping and loan comparison, application processing and documentation, communication with underwriters, loan approval and closing preparation.

Why It Matters: In today’s competitive market, a proactive loan officer works alongside your real estate agent to strengthen your offer, expedite approvals, and ensure smooth communication. The right loan officer goes beyond finding the best rate and strategizes to get your offer accepted.

3. Home Inspector

Role: The home inspector conducts a thorough evaluation of the property’s condition before you finalize your purchase.

Key Responsibilities: Comprehensive examination of structural elements, roofing, foundation, plumbing, electrical systems, HVAC systems, appliances, and potential safety hazards. The inspector provides a detailed report identifying necessary repairs and potential future maintenance needs.

Why It Matters: Home inspections are required by most mortgage lenders and protect buyers from unexpected repair costs. A thorough inspection can uncover issues ranging from minor maintenance needs to major structural problems, giving you negotiating power or the option to walk away if serious defects are discovered.

4. Home Appraiser

Role: The appraiser provides an independent, unbiased assessment of the home’s market value.

Key Responsibilities: Property evaluation based on comparable sales, condition assessment, market analysis, and preparation of a formal appraisal report for the lender.

Why It Matters: Lenders require appraisals to ensure they don’t loan more than the property is worth. If the appraisal comes in lower than your offer price, you may need to renegotiate with the seller, bring additional funds to closing, or in some cases, appeal the valuation. In Wisconsin, the lender selects and orders the appraiser to maintain independence and comply with federal regulations, though the buyer pays the appraisal fee as part of closing costs.

5. Title Company / Closing Agent

Role: The title company researches the property’s ownership history and facilitates the final transaction.

Key Responsibilities: Title search to verify clear ownership, identification of liens, easements, or encumbrances, provision of title insurance, coordination of closing documents, and facilitation of the final property transfer.

Why It Matters: Title insurance protects both you and the lender from legal issues related to property ownership, such as undisclosed liens, disputed boundaries, or fraudulent claims. In Wisconsin, the seller typically selects and pays for the title insurance company and closing services, though this can be negotiated as part of the purchase agreement. The closing agent ensures all paperwork is properly executed and funds are correctly distributed.

6. Homeowners Insurance Agent

Role: Your insurance agent helps you obtain the required homeowners insurance policy.

Key Responsibilities: Assessment of coverage needs, policy comparison and recommendations, quote preparation, and provision of insurance documentation to your lender for closing.

Why It Matters: Homeowners insurance is required by mortgage lenders to protect their investment and your property. Your agent ensures you have adequate coverage without being over-insured, balancing protection with affordability.

Pro Tip: While not legally required in Wisconsin, some buyers also work with real estate attorneys for complex transactions, estate sales, or additional legal protection. Discuss with your real estate agent whether an attorney would benefit your specific situation.

How to Select Your Team Members

Start with Referrals: Ask friends, family, and colleagues who recently purchased homes for recommendations. Personal experience from trusted sources provides valuable insight into professionalism, communication, and results.

Interview Multiple Candidates: Don’t commit to the first professional you meet. Interview at least two or three candidates for key positions where you have a choice, such as your real estate agent, loan officer, home inspector, and insurance agent. Ask about their experience in Juneau County markets, communication style, availability, and approach to client service.

Verify Credentials and Experience: Ensure professionals are properly licensed and insured. Check online reviews, professional associations, and disciplinary records. For home inspectors, confirm they’re certified and carry errors and omissions insurance.

Assess Local Expertise: For real estate agents and insurance providers, local market knowledge is essential. Someone familiar with Mauston, Necedah, Elroy, and surrounding communities understands regional pricing, neighborhood characteristics, and local regulations.

Evaluate Communication Style: Your team members should be responsive, clear communicators who explain complex concepts in understandable terms. You’ll work closely with these professionals for weeks or months, so compatibility matters.

Understanding Wisconsin Practices: Keep in mind that in Wisconsin real estate transactions, some team members are selected for you. Your lender will order the appraisal from an approved appraiser to maintain regulatory compliance, and the seller typically selects the title company, though this can sometimes be negotiated in the purchase agreement.

Understanding Professional Fees and Costs

Real Estate Agent: Buyer’s agent commissions are typically paid by the seller as part of the total commission structure, though this varies by transaction and recent industry changes.

Home Inspector: Expect to pay between 450 and 600 dollars for a standard home inspection in Central Wisconsin, based on the square footage of the home. Costs run higher when additional structures such as garages, sheds, or outbuildings are included in the inspection. As the buyer, you select and pay for your home inspector directly.

Appraiser: Appraisal fees typically range from 450 to 650 dollars and are paid by the buyer as part of closing costs. However, your lender will order the appraisal directly from their approved appraiser list to ensure independence and regulatory compliance.

Title Insurance and Closing Services: In Wisconsin, the seller typically pays for the title insurance policy and closing services, though this is negotiable within the purchase agreement. Costs vary based on purchase price and the specific title company selected.

Homeowners Insurance: You’ll pay for your homeowners insurance policy, with the first year’s premium typically due at closing. Shop multiple insurance agents to compare coverage options and rates.

Building Your Team in Juneau County

As your local RE/MAX RealPros agent, I work with a network of trusted professionals throughout Central Wisconsin. From experienced loan officers to thorough home inspectors, I can connect you with team members who share my commitment to exceptional service and client satisfaction.

Ready to Build Your Homebuying Team?

Let’s discuss assembling the right professionals to guide your home purchase in Mauston, Wisconsin Dells, New Lisbon, or surrounding Juneau County communities. I’m here to provide expert guidance and connect you with trusted local professionals.

Contact Liz Walker Today

Next Week: Step 3 – Identifying Your Home Search Criteria

© 2026 Liz Walker | RE/MAX Real Estate Professional

Proudly Serving: Mauston | New Lisbon | Necedah | Elroy | Wonewoc | Lyndon Station | Wisconsin Dells | Adams | Friendship | Tomah | Camp Douglas | Oakdale

Licensed Real Estate Agent in Wisconsin | Equal Housing Opportunity

Posted in Buyers, Sellers

Thinking About Making a Real Estate Move in Juneau County Right Now?

Liz Walker | Juneau County Real Estate Expert

What Would a Local Real Estate Professional Actually Do in This Market?

If you live in Juneau County, you already know our market doesn’t behave like Madison, Milwaukee, or what you see on national headlines. Homes here move differently. Inventory behaves differently. Buyers and sellers make decisions based on real life — not trends on TikTok or cable news.

Still, the uncertainty is real.

Whether you’re buying, selling, or staying put in New Lisbon, Mauston, Necedah, Elroy, Wonewoc, or Lyndon Station, it’s normal to wonder if now is the right time to make a move.

Most people don’t buy or sell property often. And when they do, the stakes feel high — especially in a market where interest rates, affordability, and inventory are all part of the conversation.

One question comes up again and again:

What would a local real estate professional actually do in this market?

Not in theory. Not based on national advice. But based on how real estate actually works here in Juneau County.

This guide breaks that down.

If I Were Buying a Home in Juneau County Right Now

Buying a home in Juneau County comes with unique considerations. We don’t have endless new construction. Many homes are older. Inventory varies wildly by town, neighborhood, and even by street.

Here’s how I’d approach buying locally right now.

Location Matters — Even More in Small-Town Markets

In Juneau County, location isn’t just about the city name — it’s about the street, the lot, and the surroundings.

When evaluating homes in places like New Lisbon, Elroy, or Wonewoc, I’d pay close attention to things that don’t show up in listing photos: proximity to highways or rail lines, traffic flow, neighboring properties, floodplain considerations, and how the home fits into the immediate area.

You can update kitchens. You can replace flooring. You can’t move the house.

A solid location in Mauston or a well-positioned property in Necedah will hold value far better long-term than a fully renovated home in a compromised spot.

Financing Strength Matters in Our Local Market

In Juneau County, sellers care deeply about certainty. A strong offer isn’t just about price — it’s about confidence that the deal will close.

That’s why lender choice matters. I’d want a lender who understands rural appraisals, well and septic systems, older housing stock, and local timelines. Missed deadlines or appraisal issues can derail deals quickly in smaller markets.

A well-prepared buyer with a reliable lender often beats a higher offer that feels risky.

Trying to Time Rates Can Backfire Locally

Many buyers are waiting for rates to drop — and when they do, competition here will increase. That’s especially true in affordable price ranges common in Juneau County.

Lower rates often bring more buyers into the market, which can push prices up and reduce negotiating power. The difference in monthly payment between waiting and acting now is often smaller than people expect.

Personally my husband and I have refinanced our mortgage several times in order to take advantage of a lower interest rate. We purchased our first home with a 9% rate then a couple years later rates dropped to 7%. Our current home was initially at a 6.5% rate and over the last 20 years we’ve managed to refinance that down below 3%. The point is don’t wait for the low rate to buy, rather buy now and refinance if the rates fall by at least a percentage point.

If the home fits your budget, lifestyle, and long-term plans, waiting for perfect conditions can mean missing the right opportunity.

Buyer Takeaway (Juneau County Edition)

I wouldn’t wait for a “perfect” market. I’d stay ready and act when the right home, in the right location, at the right price shows up.

If I Were Selling a Home in Juneau County Right Now

Selling in Juneau County requires a different mindset than larger metro areas. Buyers here are practical, informed, and cautious — but they are absolutely active.

Strategic Pricing Creates Momentum

Overpricing is especially damaging in smaller markets. When a home sits too long in New Lisbon or Lyndon Station, buyers notice — and they start asking why.

Pricing slightly below market value can bring in more qualified buyers, create urgency, and sometimes generate multiple offers. Momentum matters, even here.

Homes that launch correctly often outperform homes that chase the market downward.

Preparation Still Wins — Even Outside Spring

Serious buyers don’t shop based on seasons alone. Job changes, family needs, and life events happen year-round.

If I were selling, I’d treat it like peak season: create curb appeal, a clean and well-presented home, and addressing known issues upfront. In older housing markets like ours, pre-listing inspections can be especially powerful in building buyer confidence.

Prepared homes stand out — and they sell stronger.

Personal Timing Beats Market Headlines

Whether you’re upsizing, downsizing, relocating, or simplifying life, your timeline matters more than headlines.

A well-prepared home in Juneau County can sell successfully in any season when pricing and strategy align. Waiting isn’t always safer — especially if you’re already ready.

Seller Takeaway (Juneau County Edition)

I wouldn’t try to time the market. I’d prepare for it, price smart, and move forward when it makes sense for my life.

If I Were a Homeowner in Juneau County Right Now

Homeownership here often means older homes, ongoing maintenance, and long-term planning.

Protect the Structure First

Roofing, siding, drainage, HVAC, plumbing, and foundation issues should come before cosmetic updates. In our climate, deferred maintenance can turn into expensive problems fast.

Not everything needs to be fixed immediately — but priorities matter.

Stay Informed on Value and Equity

I’d keep track of recent sales in my area — not for comparison, but for awareness. Knowing your home’s value helps with refinancing, planning renovations, or preparing for future moves.

Home equity is a tool — but only if you understand it.

Treat the Home Like an Asset

Insurance coverage, property tax accuracy, homestead exemptions, and maintenance records all matter. Being proactive gives homeowners flexibility if life changes quickly.

Homeowner Takeaway (Juneau County Edition)

I’d treat my home like a long-term asset — one that benefits from planning, care, and attention.

Final Thoughts: A Juneau County Real Estate Reality Check

Real estate decisions don’t need to feel overwhelming — but they do need to be grounded in reality.

Juneau County isn’t driven by national trends alone. It’s driven by people, timing, preparation, and local knowledge. Whether you’re buying, selling, renting, or staying put, the smartest decisions come from clarity — not noise.

This is how I’d approach the market right now, right here.

And if you ever want to talk through your options — based on your town, your timeline, and your goals — that’s a conversation worth having.

Ready to Talk Real Estate?

Serving Mauston, New Lisbon, Necedah, Elroy, Wonewoc, Lyndon Station, Wisconsin Dells, Adams, Friendship, Tomah, Camp Douglas, and Oakdale

Contact Liz Walker | RE/MAX

© 2026 Liz Walker | RE/MAX | Juneau County Real Estate Expert

Mauston | New Lisbon | Necedah | Elroy | Wonewoc | Lyndon Station | Wisconsin Dells | Adams | Friendship | Tomah | Camp Douglas | Oakdale

Posted in Buyers, Homeowners, Sellers

Older Homes are the Norm in Juneau County – But are They Worth the Money?

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Navigating Older Homes in Juneau County: A Real-World Guide for Buyers, Sellers, Renters, and Homeowners

Here’s the reality of living or moving in Juneau County, Wisconsin: most of our housing stock isn’t new construction. Homes in New Lisbon, Mauston, Elroy, Necedah, Wonewoc, and Lyndon Station were built decades ago, and they come with the charm, character, and quirks that older homes are known for. Whether you’re buying, selling, renting, or trying to keep your own property in one piece, the same question always rises to the surface: how much work is too much?

People who are shopping for homes around Mauston and New Lisbon quickly discover that the majority of available homes are resale properties with older roofs, older mechanicals, and systems built for a different time. Even long-term residents look around their place and wonder if it’s time to replace something, update something, or keep patching things together a little longer. Buying brand-new is out of reach for many households, so understanding older homes isn’t optional — it’s essential.

This guide breaks down everything you need to know about living with or investing in older homes in Juneau County. These aren’t theories. This is the real-life, boots-on-the-ground perspective from someone who’s walked buyers through hundreds of inspections, listed dozens of aging properties, and lived in a century old home myself.


For Buyers: Making Smart Decisions When the Homes You Can Afford Need Work

In today’s Wisconsin housing market, especially around Juneau County, “move-in ready” usually means expensive. This pushes most buyers into older resale homes, and that can feel overwhelming fast. Walking into a showing and seeing dated electrical panels, worn-out windows, or shingles that clearly won’t survive another winter raises legitimate questions.

Older homes aren’t automatically risky. What they require is clarity — knowing which issues matter and which ones don’t. Cosmetic work can wait. Structural or mechanical issues cannot. A home with an original 1970 furnace or questionable foundation work will demand a different level of attention than a home needing nothing more than fresh paint and new flooring.

This is where experienced guidance becomes non-negotiable. A seasoned agent who knows older homes can help you understand whether a crack in the basement is minor settling or something that deserves a second look. When I work with first-time homebuyers in New Lisbon, Mauston, or Elroy, I walk them through homes and point out possible repair before they ever write an offer. Seeing what might be written up in a home inspection report — without emotional attachment — makes the actual process far less intimidating.

The truth is that inspections should inform you, not terrify you. A fifty-page report on a 1960s home is normal. It’s about knowing how to read what is a defect versus a wear and tear repair and understanding what actually matters for safety, financing, and long-term cost.

Older homes demand both financial flexibility and emotional bandwidth. Before you fall in love with a place, be honest about what you can realistically handle. A charming older home can be a fantastic investment, but only when you walk in with your eyes wide open.


For Sellers: How to Successfully Sell an Older Home in Juneau County

If your home has been around for several decades, you’re in good company. The majority of sellers across Juneau County are listing older homes, and buyers expect it. What they don’t want is uncertainty. Today’s buyers are cautious because interest rates, renovation costs, and economic pressure have narrowed their margins.

That’s why getting ahead of the conversation is your best strategy. A pre-listing inspection is one of the smartest moves a seller of an older home can make. It gives you control of the narrative, prepares you for what buyers will see, and allows you to fix or disclose issues in a way that builds trust rather than suspicion. Why not remove the fear of the unknown and stress it might cause you before you even list your property?

Presentation matters, too. You don’t need to remodel your kitchen to sell. But if your home feels neglected, buyers will assume expensive problems are hiding behind cosmetic issues. Simple, cost-effective updates — fresh paint, clean windows, updated light fixtures, small landscaping improvements — send a strong message that the home is well cared for.

Older homes also come with features new construction can’t match: mature trees, hardwood floors, original craftsmanship, wide lots, or established neighborhoods. Highlight the emotional value and the lifestyle the home offers. At the same time, acknowledge the quirks honestly. Transparency sells. Surprises kill deals.

Homes in Juneau County do not need to be perfect to attract strong buyers. They simply need to be priced accurately, presented honestly, and marketed by someone who understands how to position an older home against newer competition.


For Renters: What to Watch For When Renting an Older Home

Renting older homes is common in places like New Lisbon, Mauston, and Necedah, where rental inventory tends to be decades old. These rentals often offer more space or better locations, but they can come with aging systems that need attention.

Before signing a lease, check the essentials: heating, cooling, plumbing, electrical safety, water pressure, and windows. Older rentals can look charming but still have serious functional issues. Ask direct questions about utility costs, maintenance routines, and the age of major systems.

Document everything with photos and video. A property that’s been lived in for fifty years will have wear and tear, and you should not be responsible for damage that existed before you moved in. Clear documentation protects your deposit and sets expectations from day one.

It’s also important to understand what the landlord is responsible for versus what falls on you. Many older rentals have gray areas when it comes to repairs, so clarity upfront prevents frustration later.

Renting an older home is completely manageable as long as you protect yourself, pay attention to the systems that matter, and communicate issues early.


For Homeowners: How to Live in an Older Home Without Getting Buried by Repairs

Owning an older home is a long-term relationship. Something will always be aging out, wearing down, or needing attention. But you don’t have to tackle everything at once, and you definitely don’t have to let the house run your life.

The smartest approach is preventative maintenance. Small, consistent care will outshine reactive repairs every time. Servicing your HVAC, cleaning gutters, flushing your water heater, and having the roof checked every few years can save you thousands.

When choosing what to update, focus on function over flash. Upgrading insulation, windows, plumbing, electrical systems, or roofing is far more valuable than cosmetic remodels. These functional improvements lower utility bills, reduce emergencies, and extend the lifespan of the home.

Create a long-term home maintenance plan that fits your budget. Map out the age of each system and decide what needs attention this year, what can wait, and what should be saved for over the next five years. Even setting aside a small home maintenance fund reduces the stress of inevitable repairs.

Living in an older home isn’t about chasing perfection. It’s about prioritizing what protects the property and your peace of mind.


The Bottom Line: Older Homes Are the Norm in Juneau County — And They’re Completely Manageable

Across Juneau County — from New Lisbon to Mauston, Elroy to Necedah — the vast majority of people are buying, selling, renting, or maintaining older homes. This isn’t a drawback. It’s simply the reality of our housing market.

Older homes come with history and character, but they also come with decisions that require clarity and planning. You don’t need a massive budget to handle them. You need awareness, realistic expectations, and the willingness to focus on the systems that matter most.

The people who thrive in older homes aren’t the ones doing everything at once. They’re the ones who understand what truly affects value, safety, and long-term comfort — and they move forward without panic.

A home’s age doesn’t define its worth. What matters is how well you evaluate it, maintain it, and prepare for the years ahead.

Posted in Uncategorized

Is a 50 Year Mortgage Worth It?

Here’s the Real Deal for Wisconsin Homebuyers

If you’ve been house-hunting anywhere in Juneau County — Mauston, New Lisbon, Necedah, Elroy — you’re probably noticing the same trend buyers everywhere are talking about: rising prices, rates that won’t quit, and lenders rolling out “creative” mortgage products to keep payments lower.

One of the newest buzzwords? 50-year mortgages.
Yep… lenders stretching the term way beyond the traditional 30-year just to make monthly payments more manageable.

But before you jump in, let’s break down what this actually means for you — the good, the bad, and the parts no one else is saying out loud.


🔥 The Pros of a 50-Year Mortgage

1. Lower Monthly Payments (the obvious perk)

Stretching your loan over 50 years drops your monthly payment. If you’re trying to get into a home near Castle Rock Lake, where vacation-area prices can run higher, this can be the difference between “we can swing it” and “no shot.”

2. Better Cash Flow for Your Life

Lower payments = extra bandwidth for things like:

  • Upgrading your place (new roof, insulation, windows — hello Wisconsin winters)
  • Paying down other debt
  • Building savings
  • Funding emergency repairs for septic, wells, or heating systems common in rural areas

3. Could Help First-Time Buyers Compete

When inventory is tight in towns like Mauston, Elroy, and Wonewoc, a 50-year term might make a higher-priced home achievable for buyers who are getting squeezed by interest rates.


⚠️ The Cons (you need to seriously think about these)

1. You’ll Pay Way More in Interest — Like… a lot more

A longer loan = more interest over the life of the mortgage. the total cost can be massive, like double the interest paid on a 30 year mortgage.
If you already feel “rate fatigue,” a 50-year mortgage magnifies it.

2. Slower Equity Building

In Juneau County, equity matters — especially if you ever want to upgrade, buy a lake property, or sell when the market shifts.
With a 50-year term, your equity grows at a snail’s pace here. 

3. Risk if Property Values Don’t Keep Up

If you buy in an area where prices rise slowly (think rural outskirts between Necedah and Elroy), you could be stuck underwater longer. 

4. Harder to Refinance Later

If rates drop and you want to refinance, you may not have built enough equity to make it worth it.

5. You Still Might Not Qualify

Not every lender may offer 50-year terms, and underwriting can be stricter. These products are still being discussed and not offered yet. They likely will come with higher interest rates or extra requirements.


So… Should You Consider a 50-Year Mortgage in Juneau County?

Here’s the truth:
A 50-year mortgage is a tool — not a magic hack.

It works best for buyers who:

  • Plan to stay in the home long-term
  • Need the lower monthly payment to stay comfortable
  • Understand what they’re actually paying over time
  • Expect income growth in the future
  • Are buying a property that historically appreciates (lake homes near Castle Rock? Probably yes. Middle-of-nowhere with no upgrades? Maybe not.)

It’s not ideal for buyers who:

  • Want to build equity quickly
  • Plan to flip, upgrade, or relocate in the next 5–10 years
  • Are stretching too far just to “make a payment work”
Posted in Buyers, Homeowners

How Long Does it Take to Build a House?

Thinking about building a home from the ground up? It’s an exciting journey—choosing the location, layout, finishes, and even the little details like drawer pulls in the kitchen. But one of the biggest questions I hear is: “How long is this going to take?”

The short answer: it depends. A typical home build in the U.S. takes anywhere from 6 to 12 months once construction starts. But there are a lot of moving parts, and things like weather, labor shortages, or custom features can either speed things up or slow things down.

Let’s walk through the process step by step so you know what to expect—and what could impact your timeline.


🏗️ Pre-Construction (1 to 3 Months)

Before the digging starts, there’s groundwork to cover. This includes:

  • Finding and buying the land
  • Choosing a builder or contractor
  • Finalizing design plans
  • Securing permits
  • Getting construction financing

This phase is often underestimated. Delays with permits, zoning, or closing on the land can set you back weeks—or even months.


🔨 Foundation (1 to 3 Weeks)

Once your lot is prepped, the crew digs and pours the foundation.

  • Slab foundations are quick—just a few days.
  • Full basements take longer due to excavation and extra structure.

Weather and soil conditions are the biggest wildcards here.


🏠 Framing & Roofing (1 to 2 Months)

This is when your house starts to look like a house!
Walls go up, floors go in, the roof is framed, and windows and doors are roughed in.

  • Rain, snow, or cold temps can cause delays
  • Material shortages can also slow things down

The roof itself usually takes just a day or two to install.


⚙️ Electrical, Plumbing, & HVAC (1 to 3 Months)

This is the “behind-the-walls” work—plumbing, electrical wiring, ductwork, etc.
This phase can move quickly if your contractor has a solid schedule and the trades are available.
You’ll also need inspections at this stage before walls can be closed up. It’s smart to build in a buffer here just in case.


🧱 Interior & Exterior Finishes (1 to 2 Months)

Now it gets exciting again—this is where your vision comes to life:

  • Drywall, flooring, cabinets, counters, trim, doors
  • Siding, paint, appliances, landscaping

There’s a lot happening, and coordination is key to keeping things on track.


✅ Final Walkthrough & Inspections (2 to 4 Weeks)

This last phase includes:

  • Touch-ups
  • Final inspections
  • Any last-minute adjustments

Once the final sign-off is done, it’s move-in time!


⏳ What Can Delay the Timeline?

Even the most well-planned projects can hit snags. Here are the common culprits:

  • Weather: Rain, snow, freezing temps
  • Permits & Inspections: Bureaucratic slowdowns or special zoning requests
  • Labor Shortages: Skilled trades can be booked solid
  • Supply Chain Issues: Delays in materials like windows or appliances
  • Change Orders: Changing your mind mid-build is normal—but it usually means delays and extra costs

🏡 Should You Build or Buy?

Here’s how the timelines stack up:

  • Buying an existing home: 1–3 months
  • Buying a spec home that’s under construction: 3–6 months
  • Building from scratch: 6–12+ months

So how long does it take to build a house? Realistically, plan for at least 6 to 12 months, knowing that custom homes may take longer. It can feel slow at times, but when it’s all said and done, you’ll have a home that’s truly yours—and that makes the wait 100% worth it.

Posted in Buyers

WHAT CREDIT SCORE DO YOU NEED TO BUY A HOUSE?

What Credit Score Do You Need to Buy a House?

Thinking about buying your first home but worried your credit score isn’t high enough? Don’t stress—you don’t need perfect credit to become a homeowner. Many people buy homes with scores that are far from perfect. Whether your score is in the 700s or in the 500s, there are loan options that may work for you.

Why Your Credit Score Matters

Your credit score is a number that shows how well you’ve handled money in the past. Lenders use it to decide:

  • If you can get a loan
  • What interest rate you’ll pay
  • How much money you need to put down

A higher credit score usually means:

  • Better chances of getting approved
  • Lower interest rates (which saves you money)
  • Smaller down payments

Even small changes in your credit score can affect how much you pay each month. So, the higher your score, the better your deal will be.


What’s the Minimum Credit Score to Buy a Home?

Here’s a quick breakdown of the common loan types and the credit scores they usually require:

Conventional Loans

  • Minimum score: 620
  • Easier if your score is 640 or higher
  • Best rates if your score is 700+

If your score is on the lower end, you may pay a higher interest rate or need to show stronger proof of income.

FHA Loans

  • Minimum score: 500 (with 10% down)
  • 580+ qualifies for only 3.5% down
    FHA loans are great for first-time buyers with lower credit scores.

VA Loans (for Veterans and Active Duty)

  • No official minimum score
  • Most lenders like to see 580–620
    VA loans have no down payment and low interest rates if you qualify.

USDA Loans (for rural or small-town homes)

  • No set score, but most lenders want 640 or higher
    If your score is under 640, you’ll need more paperwork, but it’s still possible.

What If Your Credit Score Is Low?

Don’t worry—there are still ways to become a homeowner:

🏦 Check with Credit Unions or Local Banks

Some credit unions are more flexible and look at your full financial story, not just your credit score.

🏡 Way to Improve Your Credit

  1. Apply for a credit card for a place you regularly fuel up your car like Kwik Trip, Citgo or BP. Use it only for fuel and pay it off in full every month. It takes 6 months to a year of perfect credit history but it will increase your credit score.
  2. Pay down debt. If you have multiple credit cards or small loans, work on paying those balances down and don’t open any new accounts. Also, don’t cancel those paid off cards. Leaving them open with no balance improves your credit.
  3. Make your payments on time.

👥 Add a Co-Signer or Co-Borrower

If a family member or partner with better credit applies with you, you may qualify for a better loan. Just remember, they’ll be responsible too if payments aren’t made.


Final Thoughts

Your credit score matters, but it’s not the only thing lenders look at. Income, savings, job history, and debt also play a big part. Even if your score isn’t great right now, there are options out there—and professionals who can help.

🏠 Ready to take the next step?
Reach out to me, I can help you:

  • Understand your credit situation
  • Find loan options that match your score
  • Connect with lenders who are ready to work with you

You can buy a home—even with less-than-perfect credit. Let’s make your dream of homeownership a reality!

Posted in Buyers, Homeowners, Sellers

The Risks of Waiving a Home Inspection

A home inspection is a crucial safeguard for your financial future, ensuring you’re fully informed before making one of the biggest purchases of your life. An inspection can uncover major issues—like faulty wiring, hidden water damage, or structural problems—that could cost tens of thousands to repair.

Beyond financial concerns, inspections are also critical for safety. They can identify hazards like unsafe heating systems, mold, or electrical work that might cause a safety risk and not be visible during a walk-through.

A home inspection is a few hundred dollars for peace of mind. That’s far better than spending thousands later on unexpected repairs.

Should You Ever Waive a Home Inspection?

Sellers may prefer offers without an inspection contingency because it reduces the risk of last-minute renegotiations. In a competitive market, some buyers waive inspections to speed up closing and make their offers more attractive.

While I never recommend skipping an inspection, one compromise is to include an “informational-only” inspection clause in your contract. This allows you to complete an inspection but removes the expectation that the seller will make repairs.

“If major issues arise, you can still back out,” Rosalia says. “You may lose your earnest money, but that might be a small price to pay compared to the cost of unexpected repairs.”

Should You Waive an Inspection for a Recently Built Home?

Some real estate professionals argue that if a home is new or if the seller provides a recent inspection report, waiving the inspection might be a reasonable risk. However, I advise my buyers to think of it like buying a used car—you wouldn’t purchase one without having a mechanic check it first.

Many assume that new construction means fewer issues, but that’s not always the case. I had a buyer that bought a recently built home that waived the home inspection only to discover once she owned the home that the foundation settled incorrectly causing a water intrusion problem. There was also a wiring problem with the electrical panel that caused several outlets and switches not to work.

Is It Ever OK to Waive an Inspection?

Experienced investors or home flippers with construction experience and a sizable repair budget might be willing to waive an inspection, but for most buyers, it’s simply not worth the risk.

The Bottom Line

Spending a few hundred dollars on a home inspection is almost always money well spent. At the very least, it provides a useful 5yr home maintenance guide and helps buyers understand potential future repairs.

If you’re in the market for a home in Juneau County and the surrounding area I am here to help. I have several home inspectors that I’ve worked with that I can recommend to give you peace of mind when purchasing a property. With years of experience in the real estate industry, I ensure my clients make informed decisions—without unnecessary risks.

Posted in Buyers, Homeowners, Sellers

Spring 2025 Real Estate Market Conditions

As the peak period for residential home sales approaches, prospective buyers may encounter a broader selection of properties and increased search flexibility. This development should make it easier to buy for those who have previously struggled to locate a residence that aligns with their specific requirements.

The balance of negotiation leverage between buyers and sellers may be relatively even at present. This time last year, the market favored sellers. Currently, as the spring season commences, the market is more equal between buyers and sellers depending on the property.

It is essential to recognize that local market conditions can vary significantly, depending on what type of property you are buying. Vacation home sales are still going strong, while the local residential housing market is still a challenge for first time home buyers because there are limited properties available in the $150,000 – $250,000 price point. Here is a summary of general market trends and guidance for the upcoming months.

When does the primary period for residential real estate transactions begin?

The majority of sellers in WI typically list their properties during the spring season, starting with the spring rise in temperatures and reaching its peak in late May and early June. This timing aligns with the influx of purchasers, many of whom aim to finalize their relocation during the summer months when schools are in recess. The convergence of increased seller activity and purchaser interest characterizes spring as the most active period.

Will competitive pressures diminish in 2025?

The real estate sector is subject to seasonal fluctuations, with spring typically marking a period of heightened activity. However, fluctuations in mortgage interest rates, which have exhibited volatility over the past two years, also influence market dynamics. Decreases in interest rates tend to stimulate buyer activity, while rate increases tend to lower demand.

The average days on market for a single family home was near 3 months in the first quarter of 2025. This is double the previous year days on market of 1.5 months. It is noteworthy that competitively priced properties still tend to sell fast. I believe there has been a trend among sellers to list their property higher than the market comparisons would dictate. Sellers are still under the impression that home prices are rising quickly as happened during the Covid years but this is no longer true. The real estate market has returned to normal.

Our nation’s political climate and economy is certainly playing a large part in the movement of real estate. Buyers and sellers have been overly cautious since before the presidential election last year which has made market activity stagnant. The market isn’t crashing but it’s not quickly rising either.

Will a greater selection of affordable properties be available?

The availability of affordable properties is contingent upon individual budget constraints and local market conditions. The number of homes sold in 2024 hit a 30 year low. However, generally, experts are anticipating an increase to inventory during this spring over last year but it will be a small increase..

Will interest rate drop this year?

Consumers shouldn’t wait for interest rates to drop. The expectation is that rates will remain in the mid 6% range throughout most of the year. Economists don’t expect mortgage rates to drop below 6% this year at all. The low rates from the last five years are a thing of the past so don’t wait to make a move based on a low mortgage rate. More concerning will be the rising costs of building materials as the need for new home construction due destruction from flooding, hurricanes and wildfires. New home prices and the costs to remodel are going to continue to rise so don’t wait for the perfect time to make a move.