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Northwest Wisconsin Real Estate

Are you looking for a new home? Look no further. Our realtors are experienced experts in the neighborhoods they serve. They know their clients well, and will help you find the home you’ve dreamed about your entire life, from ranch houses to estates, the neighborhoods we serve feature homes of every aesthetic and style.

Waterfront Residential Homes

Waterfront properties are the dream of many, and Island City has some of the most gorgeous residential waterfront homes you could ever hope to see. Available in a range of styles and sizes to fit your budget, these waterfront homes are ideally oriented, in great condition, and can be your key to a dream life right on the shores of a beautiful, clear lake.

Residential Homes

Are you looking for a new home? Look no further. Our Realtors are experienced experts in the neighborhoods they serve. They know their clients well, and will help you find the home you’ve dreamed about your entire life. From ranch houses to estates, the neighborhoods we serve feature homes of every aesthetic and style.

Vacant Land

Perhaps you’re looking to build fresh. The Cumberland area features a number of vacant lots that are just waiting to play home to the beautiful house or building you’ve dreamed of constructing for many years. Our agents will help you find the land that matches your needs as perfectly as possible.

Commercial Properties

Commercial property is a field all its own, and you’re likely to have very specific needs for your business. Have no fear; at Re/Max Island City we have an in-depth knowledge of available commercial properties and can find one that ideally suits the requirements of your business, in an equally ideal neighborhood.

One of the biggest questions people have when they think about moving is when to sell their house. It goes beyond seasonal — the question also arises year to year. Where is the real estate market right now? Is this a good time to sell? Should I put the home on the market immediately or hold off?

2017 is actually a perfect time to get your home on the market, with some analysts even saying you shouldn’t wait at all. Check out these four reasons to sell a home this year, why 2017 is a perfect time to sell, and what to consider as you place your house on the market.

Reasons to Sell a Home in 2017

If you’re looking for reasons to sell a home in 2017 as opposed to reasons to sit on that piece of property awhile longer, look no further. Between low mortgage rates, high demand with low supply, rising property values and strengthening job markets, there’s a peaking seller’s market for real estate in Cumberland and across the country.

Low Mortgage Rates

Despite efforts to raise them, and a steadily increasing economy, mortgage rates for real estate are still really low, making it an ideal time for buyers to try and secure financing for their next home. What that means is that people are looking to buy right now. Mortgage rates are just starting to tick up over 4%, though, and could hit nearly 5% by the year’s end.

Low Supply, High Demand

Even as home buyers are looking to get in on their next real estate purchase, the supply of homes on the market remains low. People aren’t selling, which means if you do sell, you’re likely to get a lot of interest. Homes in a market like this tend to move fast, and there can even be bidding wars, which leads us to the value of your home.

Home Values on the Rise

Property values continue to skyrocket, climbing steadily. In November of 2016, the median cost of a single-family home across the nation was $234,900, which is up 6% from a year earlier, and represented the 57th straight month of annual gains. This also means many homeowners who may formerly have been underwater are now sitting on equity.

Strengthening Job Markets

Unemployment continues to decrease, and wages are beginning to increase across the board. This leads to increased security and consumer confidence, which in turn creates a cycle of higher spending on everything, including real estate. Again, that’s good news for sellers, as it means more people looking to buy, contributing to the high demand.

These are a few strong reasons to sell a home in 2017. If you’re in the Cumberland, WI, region and you’re thinking about putting your house on the market. Re/Max Island City is here to help. Give us a call for more information or to get started today!

While many people do home shopping in the spring, there’s a lot of reasons why buying a home in the fall is far preferable. It may go against conventional wisdom, but it’s true. Here are the five best things about buying a house in the fall, and why you might think about this season to start your search for the home of your dreams.

Buying a House in the Fall

Conventional wisdom says that spring is the best time to buy a house. It used to say it was the perfect time to get married, too, but this year marks the first time that October is the most popular month for weddings. With a bit of thought, people might realize that buying a house in the fall is also better than in spring! You might want to get in now, though, before everyone works out the secret.

Competition is Down

If you buy in the fall, there’s much less competition. This means you’re less likely to get involved in a bidding war for your home. In fact, while fall is considered an off-season for real estate, there’s often just as many homes on the market at this time of year, and they might be much more likely to hear your bids.

Owners Eager to Sell

Because there’s less competition and less people looking to buy, sellers are eager to get their homes off the market in the fall. Whether it’s because the house has been on the market throughout the summer, or they’re moving to another town for work, or whatever reason, sellers in the fall are eager to make the move, which gives you an advantage in negotiations.

Tax Breaks for Fall Real Estate

If you’re a first-time homebuyer, you may not be aware of this one. When you buy a home, you get to deduct property tax and mortgage interest from your annual income tax. That means, even if you close in December, you get to deduct all payments you make prior to the closing of the loan, equating to potentially large savings.

Get Focus from Your Realtor

A good realtor will always be there to give you the focus you need when buying a home, but buying in the fall means their attention is less divided, as they’ll have fewer clients all looking at the same time. That will give you even more focus, and an eagerness from your realtor to find you an outstanding home.

Decorate on a Budget

Buying a home is a huge purchase, and you may be worried about spending more money to decorate your home. In the fall, you can take advantage of year-end sales to help decorate your home and give it those finishing touches you may not be willing or able to afford at other times of year!

These are just a few of the reasons home buying in the fall is a great option. If you’re looking to start your search for Cumberland real estate, contact Re/Max Island City and let us help you find your dream home today!

Things to do in CumberlandCumberland is a great place to live and work, and it shows in all of the festivals and activities that go on throughout the year. As the harvest season approaches, along with the spookiest month of the year, there’s tons of fun things to keep you occupied around town. Check out the tons of family fun, educational and festive happenings and things to do in Cumberland for visitors and tourists alike this October.

Things to Do in Cumberland This October

There are so many fun things to do in Cumberland in October that the hardest part is narrowing down the list. A few of the most popular events, however, are the Scarecrow Contest, the Pumpkin Giveaway, Halloween Trick-or-Treat events, the Haunted Trail, the Guys and Does event, and a range of Cumberland Community Education classes!

Scarecrow Contest

Every year across Cumberland, local clubs, groups and merchants build scarecrows which line the main street of the business district. People come from all over to look at the results, take pictures and vote for their favorite scarecrow!

Pumpkin Giveaway

Every year, Cumberland “royalty” host a pumpkin giveaway as part of the town’s annual harvest celebrations. Check it out and see if you can get a pumpkin of your own!

Trick-or-Treating

It wouldn’t be Halloween without trick-or-treating for the kids, and Cumberland values the fun celebration of this yearly holiday. That’s why we hold safe Trick-or-Treat on October 28, from noon to 2pm. Kids can travel the main street and visit local merchants partnered with the Cumberland Fire Department to hand out candy and treats, while firefighters are on the scene to keep traffic controlled and everyone safe!

On Halloween from 5-7 PM at the Cumberland First Lutheran Church, visit our Trunk or Treat event, where our parking lot is full of cars handing out candy. Inside, there’s even a party with snacks and treats!

Of course, regular trick-or-treating is permitted on October 31 throughout town as well.

Haunted Path

Join the fun every weekend starting October 13 for our Haunted Path event at the Barron County Fairgrounds. Held from 5 to 9 PM Fridays and Saturdays, come visit the haunted house and get treats from all the unmasked actors within. Also available is face painting, and your kids can get inside a real fire truck and police car!

Cumberland ETC Guys and Does

Guys and Does is a community theater event sponsored by the Cumberland Enrichment Through Culture group October 26-28 at 7PM and November 2-4 at 7PM. Come watch the misadventures of Fritz as he takes his daughter’s off-the-wall boyfriend Duane on an annual hunting trip, only to deal with a talking white deer asking for help and refuge from another hunter!

Cumberland Community Education

From self-help to exercise and working out, arts and crafts and more, the Cumberland Community Education group provides all kinds of self-enrichment classes for the community. Check out their Facebook page for details!

These are just a few of the fun activities and things to do in Cumberland every October. Don’t sit home this fall — get out, meet new friends, and get to know the community!

When you set out to buy a home, you have to deal with the process of closing. This process can be scary, arcane and confusing to those who have never been through it, and even for those who have, it can still be complicated.

At its most basic, closing is what happens when you sit down and sign the final papers to get the property transferred. It’s quite literally closing the deal on the purchase. There’s a lot of things that occur during these couple hours, and it can provide some comfort in knowing what each is. Discover and explore the steps to close a real estate deal, how the process proceeds and the role your Realtor plays in getting you into your new home.

Steps to Close a Real Estate Deal

There are a number of steps to close a real estate deal, and each proceeds in sequence. These steps are as follows:

  1.      Create escrow
  2.      Title search and insurance
  3.      Get an attorney
  4.      Get mortgage pre-approval
  5.      Closing costs
  6.      Home and pest inspections
  7.      Negotiations
  8.      Lock in interest rates
  9.      Deal with contingencies
  10.  Sign the papers

Create Escrow

The first step is to create an escrow or third-party account that will hold all the monies that will change hands until the process is completed. As you go along your hand money will go in here as will downpayment and closing costs.

Title Search and Insurance

Next, you’ll want to conduct a title search and get insurance. This protects you against any pre-existing liens on the property that you may not have known existed.

Get an Attorney

Having an attorney is essential to make sure all the contracts are in proper order and your legal interests are protected. Your Realtor can be a big help, but there’s no substitute for a licensed and qualified attorney.

Get Pre-Approval for Mortgage

Mortgage pre-approval is essential to the process. It gives you credibility when you make offers, and can greatly expedite the process of getting your actual mortgage done.

Deal with Closing Costs

There are a number of costs you’ll need to deal with besides the purchase price of the house. Fees for things like application review, administration, appraisal reviews, ancillary costs, processing, settlement and more. These are called closing costs and you may want to negotiate them down.

Get a Home Inspection

Have a professional inspection done to look for issues with the house, including pests, wiring, structural and plumbing problems. This will give you leverage in negotiations and help you avoid unpleasant surprises later.

Negotiate the Price

Now, negotiate your offer. You want to get as low a price as possible, and you want a house you can live in for years without problems.

Get Your Mortgage

Once you know what you owe, get your mortgage squared away and lock in your interest rate. Work with your lender to wait for the lowest possible rate before you lock in.

Deal with Contingencies

Check off all the things that could’ve skewed the deal. Make sure you can afford the purchase, that it’s a good deal, and that all repairs have been completed.

Sign the Papers

Finally, sit down and sign the papers. Congratulations; you’re now a homeowner!

Rely on your Realtor to get through this process; it will be confusing at times, but your agent is your best ally and will get you through it. For Realtors you can trust in Cumberland, call Re/Max Island City today!

Home staging is everything for your sales efforts. When you put your home on the market, the goal is to get it sold at a high price as quickly as possible. People do judge books by their covers, and you want to show your house at its very best so that people who come to view the property fall in love right away.

Of course, staging a home for sale is trickier than it might seem at first. There are a lot of things you need to consider, and a lot of pitfalls to avoid. Read some important pieces of advice, tricks and home staging tips to ensure that your house looks its absolute best when potential buyers visit.

Home Staging Tips

There are tons of home staging tips your Realtor can give you when selling your home. Some of the most important involve basic efforts like clearing out clutter, making the outside look great, and presenting an empty canvas on which the new buyers can work. It’s all about removing yourself from the equation and making the place look bigger, in the end.

Clear the Clutter

It’s not a crime to have clutter. We all do. But when the time comes to sell your house, the first and most important thing you need to do is clean everything out, top to bottom. Get a storage locker if you need to, but this can be a great time to downsize your life.

Get a garbage bag and go through your home, pitching things you really don’t need. If your shelves are stuffed full of books, movies and the like, pare them down so there’s less on them. The idea is to make the home look larger.

Move Furniture away from the Walls

The idea that pushing furniture against the walls makes the room look bigger is an old myth. In fact, moving your furniture away from the walls and closer together can make your rooms look a great deal larger!

Add Lighting

The brighter your home, the bigger it will appear. Even if you don’t have proper lighting fixtures or enough windows, you can make this happen. Add more lamps, and increase the wattage of your bulbs. Shoot for 100 watts of lighting per 50 square feet of space.

Choose the Right Color Scheme

The color scheme of your home makes a huge difference in how it appears to visitors. First, you want a neutral color. All the choices you made that exude your personal sense of style and aesthetic need to go. Paint the house white, off-white, earth tones, or something very basic that makes it look like a clean canvas upon which the new buyer can build.

Next, paint everything the same color. This creates a seamless pass which makes the home look larger. Painting sunrooms with natural colors to match outdoors can create a similar illusion.

Ask a Realtor

Your Realtor is your best resource when staging your home. They can help you with these and many other tips and tricks to get your home sold fast and at the best possible price. If you’re in the Cumberland region and looking to sell your home, call Re/Max Island City to get started today!

When you’re shopping for a home, the first thing you want to do is secure a pre-approval on your mortgage. Having a pre-approval letter can greatly expedite the process of buying a home, and it also gives you some credibility when you make an offer. However, you shouldn’t just jump into the first home loan that comes your way. The days of all mortgages being the same have been over for a very long time.

The kind of mortgage you seek will depend on a range of factors from where you move to how long you’re planning to stay there and more. Read some tips, tricks, advice, and thoughts on how to pick from the many types of home loan and save money on fees, interest and down payment.

Types of Home Loan

There are many types of home loan to cover just about any financial situation. These include fixed-rate, adjustable-rate, FHA, VA and Bridge loans, among others.

Fixed-Rate Loans

Fixed-rate loans are the most common form of mortgage, especially since the real estate bubble burst in 2008. This kind of loan gives you an interest rate that will never change for the entire life of the loan. If you get a 5% rate, it’ll be 5% on day one, and 5% fifteen or thirty years down the line. If you’re all about predictability and stability, this is the way to go.

Adjustable-Rate Loans

Adjustable rates are a good way to start off with a much lower interest rate than you can typically get with a fixed rate loan. Usually, they are good for a set number of years, but after that period, they adjust based on whatever the current interest rate is every year. This means sometimes your monthly payments will go way down, while other times they’ll skyrocket. If you have bad credit, this is a good way to get a loan, or if you’re looking for a short-term buy.

FHA Loans

FHA stands for Federal Housing Administration. These kinds of loans help you to offset high down payment requirements that other loans have. Most mortgages require as much as 20% down. An FHA loan can reduce that to as low as 3.5%. However, an FHA loan is limited in the total amount you can get.

VA Loans

A VA loan is administered by the Veterans Administration and is available to those who have served in the U.S. military. If you’ve served 90 consecutive days during wartime, 180 peacetime days, or six years as a reserve, you may be eligible, but there are strict requirements on the mortgage itself.

Bridge Loans

Bridge loans are great for buying a home before your previous home sells. It allows you to roll your current mortgage into your new one, and you can pay off the prior mortgage when your old house sells. This requires great credit and you can only finance a maximum of 80% of both homes’ values.

Work with Your Realtor

These are just five of the many different kinds of home loans available. If you’re unsure where to start, work with your Realtor. They can advise you not only on the best mortgage option but on excellent lenders with whom to work. If you’re looking for a Cumberland area property, call Re/Max Island City today.

Buying a new home is both stressful and exciting at the same time. In fact, in the excitement of the moment, many people accidentally overlook some very important elements of the process. When you buy a home, what happens if a year down the line things start to break down? The repair costs can be very expensive and can turn your dream of home ownership into a nightmare.

One of the best ways to avoid these kinds of unpleasant surprises is to have a home inspection done. This is a vital part of the process, and there are many reasons why it’s not something that should be overlooked. Discover five important reasons to get a home inspection before you close on the purchase of your new house, and how your Realtor can help.

Get a Home Inspection and Catch Problems Early

Even a completely new construction can have problems that can’t be seen right away. Mistakes happen by contractors and sometimes they go unnoticed or even get covered up. The home could have wiring issues, plumbing problems or easement issues that might not be apparent when you first look at the home. A home inspection can reveal these problems before they get costly.

Savings on Repairs

You’re going to pay between $300 and $500 for a home inspection, on average. That might seem like extra cash you don’t have when you’re making an investment in the tens or hundreds of thousands, but consider this: rewiring or re-plumbing the entire house can cost thousands. In the end, that couple hundred bucks is a savings.

Advantage at the Negotiations Table

Having a home inspection done will give you some power at the negotiations table. Let’s say that you’re interested in the home, but it’s just over your budget range. Having a home inspection on the table can give you a lot of leverage when it comes time to bring that price down.

Avoiding Repairs Entirely

While getting a home inspection can warn you about things you’ll have to address down the road so you can prepare, it can also help you to avoid repairs entirely. If there’s something that is about to go bad — the roof has a few weeks left on it, for example — you can actually push for the seller to repair the issue before the sale moves forward.

Be Educated and Informed

The best reason to get a home inspection is to simply be informed. Knowledge is power, as they say, and it’s true. You want to research any big purchase you make to avoid surprises down the road, and keep surprises to a minimum. This will help you to make the best decision before you make such a huge purchase.

How Your Realtor Can Help

If you’re wondering where to start with your home inspection, your Realtor can point you in the right direction. Realtors often have a network of professionals with whom they work, from lenders to home inspectors, and they can give you a recommendation for a solid service.

If you’re looking for a home in the Island City or Cumberland area, call Re/Max Island City and get to know our team today!

So, it’s time to get settled in your new home. You’ve arrived, and the boxes are just about unpacked. You’re getting the house arranged just like you want, and you’ve begun making arrangements to get the kids into school. Even still, there’s so much to do in order to establish yourself in your new neighborhood. After all, you’re going to be here for many years and it needs to feel like home. Read some moving tips regarding settling into a new community, and learn how to make your new digs feel like a home in which you’ve lived for years.

What’s Your Situation?

Do you have good friends or relatives in the area? Are you living in your childhood home or community? Do you work in the region and have colleagues nearby? All of these will contribute to a sense of familiarity that will make it much easier to settle in.

If, however, you’re all alone in a new place with mostly strangers around, it can take more of an effort to get settled into your new home. You’ll need to make new connections with friends, teachers, neighbors and even businesses where you’ll become a regular.

Get out of Your Comfort Zone

The first thing you’ll need to do is get out of your comfort zone. Try to do something every day or every week that you wouldn’t normally do.Get out among people and partake in community activities. Volunteering for a local organization — the library, a school or a grassroots group — can be a great way to do this.

Is there something you’ve always wanted to try but never did? Maybe you want to learn Salsa dancing, take a cooking class or learn martial arts. You may be surprised at just how many resources are in the area for fun and new experiences!

Find Support Networks

Look for groups that share common interests. Are you a mystery novel lover? See if there’s a mystery book club in the area. Check out meetup groups for shared interests. If you’re a spiritual person, consider checking out local church groups. Even if you don’t have friends in town, maybe you’ve got friends of friends — reach out to meet someone.

If you’re on social media, make a post asking if any of your friends are in the area and find out what they do for fun. The Internet, for all its many problems, also allows us access to more resources than ever before to find new friends and a new community.

Get Moving Tips from Your Realtor!

There’s no better expert on your new community than your real estate agent! As you get settled into your new Island City and Cumberland area real estate, don’t forget to ask your local Realtor about the resources available in the area. Local agents are well-versed in the people, culture, and amenities available in the neighborhoods they serve. From schools to local clubs, they can be a great resource for moving tips to help you get settled in.

If you’re ready to start your search for your dream home, RE/MAX Island City is here to help. Give us a call for more information or to view our local area properties today!

Usually referred to in terms of political or economic groups, grassroots organizations can really be any number of groups that use the local population to create a movement that affects real change in a community or region, or even at the national level. Grassroots organizations are truly dedicated to their community and care deeply about the issues that affect their communities.

If an area has strong grassroots organizations, you can be sure that it has a caring and deeply connected community. Cumberland is just such a neighborhood. Learn more about two major Cumberland grassroots organizations dedicated to improving our overall community and lifestyle.

Local Grassroots Organizations

Local grassroots organizations do a lot more than just push a political or economic movement. They’re groups that serve their community. They organize cleanup teams, fundraisers, and do whatever they can to improve the region — and the lives of the people. They’re a great way to get involved with community issues, to meet new friends, and to get acquainted with your neighbors.

Two of the best local organizations involved with grassroots area issues include Shooting Stars and Cumberland Community Cares.

Cumberland Community Cares

Cumberland Community Cares is an organization that was first established in 2009 by the families of Austin Ricci and Colleen Lundequam, in their memories following a tragic loss. The organization was created as a 501c(3) charity group and hopes to help others in the Ricci and Lundequam names for many years to come.

The Cumberland Community Cares group has raised over $16,000 over the years in scholarships, gas cards and even meals to many families in need. It has helped people suffering from serious illnesses, has aided car accident victims and those who have suffered from tragedies like fires and explosions. This is an organization that truly is all about giving back.

You can get involved by attending any of their local events, donating to the cause or applying to be a volunteer.

Shooting Stars

Another local nonprofit, Shooting Stars seeks to build and increase awareness of the need for emergency healthcare for children and to provide hospitals and families with emergency care bags for kids from infancy through 21 years old. It was formed by a group of adults who have been through pediatric emergencies and suffered everything that comes with them.

Families dealing with these problems have a lot to cope with, and the basic daily essentials can often go by the wayside when you’re worried about your child. Emergency care bags from organizations like Shooting Stars can offer a great deal of relief to families who didn’t think to bring things like basic toiletries from home. These bags include things like calling cards, writing utensils, combs, tissues, shampoo, bottled water, toothbrushes, toothpaste, and deodorant.

If you’d like to help Shooting Stars, they’re always looking for donations or volunteers!

Cumberland Neighborhood Resources

If you’re looking to move to Cumberland and are looking for resources about Cumberland grassroots organizations or any other information about the area, RE/MAX Island City can help. Meet our team and contact us to start your search today!

When you’re looking to move to a new area, one of the single most important choices you will make is choosing which local real estate agent to help you find your new digs. Too many people simply choose agents at random without doing the homework necessary to find the right agency and Realtor to help them get settled.

The right Realtor knows the area and will become an important partner in your search for your new home; the wrong agent can present all manner of problems. Check out these great tips for finding the right Real Estate Agent to help get you settled into the new Northwest Wisconsin home of your dreams.

Finding the Right Real Estate Agent

Finding the right real estate agent can be a challenge, but there are a number of steps you can take to ensure that your new Realtor is the best possible one for your needs. You want someone with the proper credentials to represent you and help you find your new home. Check their references, ask about their licensure, check their legacy and credentials, review current listings and ask them about the neighborhood.

Check References

Every good real estate agent will have a number of satisfied clients that can provide references to back up their services. The more satisfied clients a Realtor has, the more likely they are to be able to fit your needs in your search for a dream home. Ask for references and testimonials; a good agent should be willing to provide them.

Ask about Current Licensure

Realtors need to be licensed to practice. Make sure that your Realtor’s license is current and up-to-date. Make sure they’ve kept up with continuing education, and that they’re on top of everything they need to remain a licensed real estate agent in the area they serve.

Check their Legacy and Credentials

Legacy and credentials count for a lot. Do they have certain industry designations like CRS (certified residential specialist), ABR (accredited buyer’s representative), or SRES (seniors real estate specialist)? These credentials indicate specific areas of expertise in which they are outstanding at servicing. If a Realtor has a capital “R” after their name, they are a member of the National Association of Realtors, which means they’re bound by a strict code of ethics.

Also look for an agent who’s got at minimum five years of experience. That means they’ve been in the trenches and seen enough to properly help you find the perfect house as well as represent you in a variety of situations. They’re actively engaged and they know their area.

Listings and Neighborhood

Check out how many listings your agent has online. Look how closely their listings match the home you’re looking to buy or sell. Then, ask them specific questions about the neighborhood where you’re looking to move. A good agent should be an expert in the region and be able to honestly answer any questions you have about everything from schools to crime rate to home values and local clubs and groups.

Re/Max Island City

If you’re looking for help finding the right real estate agent in the Cumberland and Island City areas, Re/Max Island City wants to help. Meet our team, then get in touch with us for answers to any question or information you need to get started with your search today!

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RE/MAX Island City Cumberland is located right at the corners of Hwy 63 and Hwy 48, situating us in a great central area where customers from all around can easily access the services we offer. Our specialty is waterfront and residential real estate located in Barron and the surrounding counties, including Polk County, Burnett County and Washburn County.

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