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Fall, Holidays Still Good for Selling

Categories: New Homes Madison | Posted: October 21, 2014

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September 23 was the official start of fall. School is in full swing, the leaves are falling, and you might be already thinking about who is hosting holiday family meals. This year, instead of secretly being thankful that you dodged feeding the entire family in your cramped kitchen, you can be excited to share you have listed your house and next year everyone will be sitting in your brand new dining room! Here are five reasons why listing October-February can actually be good months to sell.

 1. Today’s mobile lifestyle lets buyers look 24/7. Thanks to the internet and our crazy schedules, buyers of years past who drove around looking at homes have been replaced with well-educated buyers who have scoured the internet and done their research from the comfort of the bleachers at soccer games or in-between parent-teacher conferences.
2. Spring and summer buyers who did not buy are still out there. They never really stop looking and are viewing homes online every chance they can. People don’t want to settle; so when the right home appears, they are ready to jump on it.
3. Less competition. A lot of people still think spring is the time to sell and real estate all but stops in the winter. Take advantage of this and list now. Less inventory on the market means less competition for you.
4. Wait until January. If the thought of moving the week before the holidays is too stressful, wait until January to list. With the holidays wrapped up, buyers are beginning to file taxes and may be setting New Year’s resolutions to buy a home. Take advantage of those who are excited for what the New Year can bring and have that extra spending cash.
5. Write your contract with William Ryan Homes with a House-to-Sell Contingency. When your house sells, we could already be underway with building your new home that meets all your needs. So instead of stressing about what happens if your home does not sell, you can think about how you will decorate the table for that family dinner you can now host comfortably in your brand new William Ryan Home!

Madison home builder, William Ryan Homes is proud to build energy efficient homes from 13 flexible and timeless home designs with over 1,000,000 different finish options. Visit a model today to discover why at William Ryan Homes “We Make it Easy” to build your new home. Sign a contract before November 1 and receive a set of free lockers for your mudroom!

New model now open in West Prairie Village

Categories: New Homes Madison | Posted: October 17, 2014

The city of Sun Prairie is celebrating fall this weekend with their annual Fall Festival. From 11am to 4pm, the business improvement district will host pumpkin decorating, bobbing for apples, a pie baking contest, make-your-own caramel apple sundaes, kids actives and more! And after you have had your fill of the games, prizes, crafts and food, stop by our new model in West Prairie Village.

The model office has a new address and a new look. Our popular Prairie-style Sheridan boasts 4 bedrooms, optional study, gourmet chef kitchen with extended morning room, luxurious designer master bathroom, and convenient second floor laundry.

Madison home builder, William Ryan Homes is proud to build energy efficient homes from 13 flexible and timeless home designs with over 1,000,000 different finish options. Visit the new model today to discover why at William Ryan Homes “We Make it Easy” to build your new home in West Prairie Village. Sign a contract before November 1 and receive a set of free lockers for your mudroom!

Come Celebrate Our Model Opening!

Categories: New Homes Madison | Posted: October 14, 2014

Please join us for an exclusive showing as we unveil our new model at West Prairie Village. Hors d’oeuvres and beverages will be served. Friends and family are also invited as we welcome you Wednesday, October 15, 12pm-5pm and Thursday, October 16, 4pm-7pm. Our Sheridan floor plan showcases a Prairie-style elevation and features our stunning morning room, alluring French door study, gourmet chef kitchen with super island, and luxurious designer master bathroom.

Madison home builder, William Ryan Homes is proud to build energy efficient homes from 13 flexible and timeless home designs with over 1,000,000 different finish options. Visit the new model today at 249 Moorland Place in Sun Prairie to discover why at William Ryan Homes “We Make it Easy” to build your new home in West Prairie Village.

Madison Rank’s #1 in Livability’s Top 100 Place to Live

Categories: New Homes Madison | Posted: September 16, 2014

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This year, Madison has made its way to the top of Livability’s Top 100 Best Places to Live list! The city captured the attention of the annual ranking for a variety of reasons.

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3 Easy Ways to Pay Off Your Mortgage Early

Categories: Uncategorized, Why Buy New | Posted: August 29, 2014

Mortgage Calculator

More than 20 million Americans own their homes outright. Some bought their homes with cash while others whittled away at their mortgages year after year until they were gone.

That leaves about two-thirds of the nation’s homeowners with the goal of one day making that last mortgage payment. Since we’re all about getting out of debt as quickly as possible, here are a few suggestions to get your home loan paid off quickly.

An Extra Habit

Each time you pay extra on your mortgage, more of each payment after that is applied to your principal balance. Here are some options for paying extra and examples of how extra payments will affect the average $220,000, 30-year mortgage with a 4% interest rate:

– Make an extra house payment each quarter, and you’ll save $65,000 in interest and pay off your loan 11 years early.
– Divide your payment by 12 and add that amount to each monthly payment, or pay half of your payment every two weeks, also known as bi-weekly payments. You’ll make one extra payment each year, saving you $24,000 and shaving four years off your mortgage.
– Round up your payments so you’re paying at least a few extra dollars a month.
– Increase your payment when you get a raise or bonus.

Always check with your mortgage company before you make additional principal payments. Some companies will only accept extra payments at specific times or they may charge prepayment penalties. And always make sure the additional money is applied to the principal and not next month’s payment.

Refinance—or Pretend You Did

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The only type of debt Dave won’t yell at you about is a fixed rate 15-year mortgage with a payment that’s no more than 25% of your take-home pay. You’ll pay much more in interest on a 30-year mortgage and, besides, who wants to be in debt for 30 years?

You can refinance a longer term mortgage into a 15-year loan. Or, if you already have a low interest rate, save on the closing costs of a refinance and simply pay on your 30-year mortgage like it’s a 15-year mortgage. The same goes for a 15-year mortgage. If you can swing it, why not increase your payments to pay it off in 10 years?

Using the same stats above for the average mortgage with a 15-year term, you’d need to bump up your monthly payment to about $2,200 to pay off your loan in 10 years. You’ll save $25,000 in interest, but best of all, you’ll be out of debt five years sooner and have $2,200 a month to invest for retirement, save for college, or give away!

Downsize

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This could be a drastic step, but if you’re set on getting rid of your mortgage, consider selling your larger home and using the profit to buy a smaller, less expensive home.

With the profits from your home sale, you may be able to pay all cash for your new home, but even if you have to get a small mortgage, you’ve succeeded in reducing your debt. Now your goal is to get rid of it as quickly as possible. The smaller the balance, the quicker you can make it happen.

Consult a Pro to Find the Right Home

If you’re looking to buy a home that fits your budget, consult an experienced real estate agent whose advice will save you time and money. Contact your agent today!

New Home Sales Soar to Six-Year High in May

Categories: Uncategorized, Why Buy New | Posted: June 26, 2014
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Sales of new U.S. single-family homes jumped to a six-year high in May, the latest indication the housing market was starting to dig out of a recent soft patch.
The Commerce Department said on Tuesday sales surged 18.6 percent to a seasonally adjusted annual rate of 504,000 units. That was the highest level since May 2008, while the increase was the biggest since January 1992.
April’s sales pace was revised down to 425,000 units from a previously reported 433,000 units.

Mortgage Rates: 2 Simple Charts Prove That Now Is an Exceptional Time to Buy a Home

Categories: Uncategorized, Why Buy New | Posted: June 24, 2014

If you’re wondering whether this summer is a smart time to buy a home, then let me cut to the chase. Thanks to still-historically low mortgage rates, housing may never again be as affordable as it is right now.

At present, the interest rate on a 30-year fixed rate mortgage is 4.19%. That’s the cheapest they’ve been all year, and they even recently dipped below half the long-run average of 8.52%. A historic opportunity for homebuyers Just to be clear, mortgage rates like this are not only extremely low; they’re also phenomenally rare.

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New iPad app lets DIY painters experiment with patterns and colors

Categories: Uncategorized | Posted: June 23, 2014

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Dreaming up creative, do-it-yourself painting projects for your home — or wanting to replicate ideas you saw on Pinterest or elsewhere — is one thing. Actually doing them with not-horrible results? Another thing entirely.

We make it easy so you can select everything you would want or need in your home in one spot! 

Get the Most Out of Your Selection Center Appointment – See more

Housing starts rise 13.2% in April 2014

Categories: Uncategorized, Why Buy New | Posted: May 28, 2014
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Home building surged in April as warmer weather helped builders break ground on new homes at the fastest pace this year.

Housing starts rose to a seasonally adjusted annual rate of 1.07 million, up from 947,000 in March, the Census Bureau said Friday.

Economists had predicted a rate of 980,000, according to the median forecast in Action Economics’ survey.

The gains came largely from multi-family construction, where starts rose almost 40% from March. Single-family starts were up 0.8% to a annual rate of 649,000.

10 Things to Do With Your Kids This Summer

Categories: Uncategorized | Posted: May 28, 2014
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Welcome to summer, parents and teachers…WE MADE IT. Hallelujah, and cheers!

The children have been educated another year, and we all deserve prizes. Somewhere left of a rigorous schedule that kills joy but right of unstructured anarchy is my zip code.  In no order, here are 10 things to do with your kids this summer.

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