Just Sold this comfortable 3 bedroom home. 9117 E Hill Top Dr, Solon Springs, WI

Sold 3 bedroom 2 bath home on a large corner lot in a quiet Solon Springs neighborhood.

Newer family room and upper level bedroom addition. Plenty of space for family or your home office or crafting headquarters. Large deck off the dining room. Garage is 30×24 with room for 2.5 vehicles and plenty of storage. Meticulously clean and well cared for home and yard. Close to Upper St Croix Lake, trails, Lucius Woods, and many area lakes. Only a half hour to Superior/Duluth.

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Sold by Jean Hedren, Edina Realty NW Wisconsin Realtor, 218-590-6634. Or, email: jeanhedren@edinarealty.com

What a Home Inspection Should Cover

Buyers, here is a list of the major items home inspections will cover depending on the type of property you are purchasing. A large historic home, for example, will require a more specialized inspection than a small condominium. However, the following are the basic elements that a home inspector will check. You can also use this list to help you evaluate properties you might purchase.

Structure: A home’s skeleton impacts how the property stands up to weather, gravity, and the earth. Structural components, including the foundation and the framing, should be inspected.

Exterior: The inspector should look at sidewalks, driveways, steps, windows, and doors. A home’s siding, trim, and surface drainage also are part of an exterior inspection.

  • Doors and windows
  • Siding (brick, stone, stucco, vinyl, wood, etc.)
  • Driveways/sidewalks
  • Attached porches, decks, and balconies

Roofing: A well-maintained roof protects you from rain, snow, and other forces of nature. Take note of the roof’s age, conditions of flashing, roof draining systems, (pooling water), buckled shingles, loose gutters and downspouts, skylight, and chimneys.

Plumbing: Thoroughly examine the water supply and drainage systems, water heating equipment, and fuel storage systems. Drainage pumps and sump pumps also fall under this category. Poor water pressure, banging pipes, rust spots, or corrosion can indicate problems.

Electrical: Safe electrical siring is essential. Look for the condition of service entrance wires, service panels, breakers and fuses, and disconnects. Also take note of the number of outlets in each room.

Heating: The home’s heating system, vent system, flues, and chimneys should be inspected. Look for age of water heater, whether the size is adequate for the house, speed of recovery, and energy rating.

Air conditioning: Your inspector should describe your home cooling system, its energy source, and inspect the central and through-wall cooling equipment. Consider the age and energy rating of the system.

Interiors: An inspection of the inside of the home can reveal plumbing leaks, insect damage, rot, construction defects, and other issues. An inspector should take a close look at:

  • Walls, ceilings, and floors
  • Steps, stairways, and railings
  • Countertops and cabinets
  • Garage doors and garage door systems

Ventilation/insulation: To prevent energy loss, check for adequate insulation and ventilation in the attic and in unfinished areas such as crawlspaces. Also look for proper, secured insulation in walls. Insulation should be appropriate for the climate. Excess moisture in the home can lead to mold and water damage.

Whether you are a first time home buyer or buying your first lake home or cabin, I’d be happy to help you find the home or cabin in NW Wisconsin that’s just right for you. Jean Hedren, Edina Realty NW Wisconsin Realtor, 218-590-6634. Email: jeanhedren@edinarealty.com

Douglas County WI homes for sale. Washburn County WI homes for sale.

A home inspection is the best investment you’ll make

A Home Inspection: The Best Investment You’ll Make

I advise all my buyers to hire a home inspector.  I tell them it’s the best investment they’ll detective-1424831_640ever make.  If the inspection uncovers issues so serious that they decide to walk, it can feel like money wasted.  But if it helps them avoid big surprises they would have encountered later, then it’s definitely money well-spent.  That’s why I very rarely write up offers that don’t include an inspection contingency.

I even advise buyers to hire an inspector when they’re considering a foreclosure or other distressed property that’s being sold “as-is.”  More information can help them, in the words of that old song, “know when to walk away… and know when to run.”  Or, they can move forward with confidence, armed with solid information about just what they’re getting into.  And even when a home is being sold as-is, that doesn’t necessarily mean there can’t be a little negotiating if an inspection uncovers major issues.

It’s also important to remember that a condition report is very different from an inspection report.  Yes, sellers sign on the dotted line to signify that they’re telling the truth.  But even though they’re completing the condition report to the best of their knowledge, they may not know about all of their home’s issues.  So no matter how much you trust the seller’s condition report, it doesn’t take the place of an inspection.

If an inspection uncovers major issues, you have two choices: you can walk, or you can ask the seller to “cure.”  The seller can resolve the situation by either fixing it or giving you a credit at closing.  I almost never advise my buyers to walk away without trying to negotiate a solution.  The possible exceptions  would be in the case of serious mold or structural issues.  Almost anything else can be fixed.  If this is a home and a location that you like, work with the seller to reach a fair outcome.

Most homes outside the city limits have their own well and septic, and those need to be inspected, too.  Some inspectors are specialists, while others can take care of all three inspections in the same visit.  Ask your Realtor for recommendations.

You’ll need to  schedule an inspection the moment you have an accepted offer.  The best inspectors can be very busy; here in northern Wisconsin, that’s especially true during the spring and summer months.  Allow plenty of time for any negotiations that might need to take place between the inspection and the contingency deadline, make sure you schedule your inspection for the earliest date possible.

Is this your year to buy or sell real estate? Call Jean Hedren, Your Edina Realty NW Wisconsin Realtor, at 218-590-6634. Or, email: jeanhedren@edinarealty.com 

A home inspection is the best investment you’ll make

A Home Inspection: The Best Investment You’ll Make

I advise all my buyers to hire a home inspector.  I tell them it’s the best investment they’ll detective-1424831_640ever make.  If the inspection uncovers issues so serious that they decide to walk, it can feel like money wasted.  But if it helps them avoid big surprises they would have encountered later, then it’s definitely money well-spent.  That’s why I very rarely write up offers that don’t include an inspection contingency.

I even advise buyers to hire an inspector when they’re considering a foreclosure or other distressed property that’s being sold “as-is.”  More information can help them, in the words of that old song, “know when to walk away… and know when to run.”  Or, they can move forward with confidence, armed with solid information about just what they’re getting into.  And even when a home is being sold as-is, that doesn’t necessarily mean there can’t be a little negotiating if an inspection uncovers major issues.

It’s also important to remember that a condition report is very different from an inspection report.  Yes, sellers sign on the dotted line to signify that they’re telling the truth.  But even though they’re completing the condition report to the best of their knowledge, they may not know about all of their home’s issues.  So no matter how much you trust the seller’s condition report, it doesn’t take the place of an inspection.

If an inspection uncovers major issues, you have two choices: you can walk, or you can ask the seller to “cure.”  The seller can resolve the situation by either fixing it or giving you a credit at closing.  I almost never advise my buyers to walk away without trying to negotiate a solution.  The only exception would be in the case of serious mold or structural issues.  Almost anything else can be fixed.  If this is a home and a location that you like, work with the seller to reach a fair outcome.

Most homes outside the city limits have their own well and septic, and those need to be inspected, too.  Some inspectors are specialists, while others can take care of all three inspections in the same visit.  Ask your Realtor for recommendations.

Don’t procrastinate on this step; start working to schedule an inspection the moment you have an accepted offer.  The best inspectors can be very busy; here in northern Wisconsin, that’s especially true during the summer months.  So you’ll have plenty of time for any negotiations that might need to take place between the inspection and the contingency deadline, make sure you schedule your inspection for the earliest date possible.

Start your NW Wisconsin home search: www.JeanHedren.com
218-590-6634

Are these home interior and exterior structural and mechanical items in good condition?

The Home’s Interior Condition

Even when a home or cabin immediately feels like it might be “the one,” take time to check out the:

  • Electrical system.  Standard house current, number of circuits, outlets, and fuses or circuit breakers is sufficient for everyday needs.
  • Floors. Condition of flooring.  Whether plank or plywood. Solid bridging and joists.
  • Walls.  Condition.  Whether drywall or plaster. Absence of water marks.
  • Appliances and fixtures. Everything in working order. Bathroom and kitchen fixtures in good shape.
  • Attic. Sufficiently insulated and ventilated.

The Home’s Exterior Condition houses-1705073_640

When you’re looking over the exterior, check out the:

  • Foundation. Floors poured concrete. Walls concrete or cinder blocks. No evidence of water seepage or moisture problems. Note that minor settling cracks are not usually structurally significant.
  • Doors and windows. Easy to open and close. Easy storm and/or screen removal and installation. Newer windows are usually more insulative.
  • Roof.  Gutters and downspouts in good condition. If older home, know how long shingles have been in use.  (Metal or rubber roofs even better.)  Chimney flashing tightly caulked.
  • Garage.  Doors or opener in good working order.  Sufficient electrical, lighting, and heating for your needs.

You can always make your offer contingent on what you learn from a professional home inspection.  I tell my buyers this is one of the best investments they’ll ever make.  But then, and even on your first walk-through, keep your sense of perspective.  Most problems can be fixed—either by the seller now, or by you later.  And it’s good to have realistic expectations. No house is perfect, and even newly built homes can have their flaws.  The main thing is to keep your eyes open and make an informed decision.

As your NW Wisconsin Realtor, I’ll be glad to help you find the lake home, cabin, or waterfront property of your dreams. To get started right now, give me a call at 218-590-6634 or email me at jeanhedren@edinarealty.com.

Writing an offer on your dream home

Those weeks of searching are about to come to an end. With your Realtor’s expertise, you’ve found the home you want. Now is the time for your Realtor to help you make an offer and to start negotiations with the seller on your behalf.

keys-1317390_640The Purchase Agreement

The first step begins when you and your Realtor write a purchase agreement or offer. This is a legal agreement, which, if accepted by both you and the seller, binds the sale, and begins the closing process. Among other things, it includes:

  • The price you are willing to pay for the property.
  • The date of the closing and the date you will assume possession of the property.
  • Who is expected to pay any special assessments and property taxes.
  • The interest rate and type of financing package you have chosen.
  • A list of items to be included in the sale. In most cases, items that are permanently installed are already considered part of the property. But if there is any doubt, list them in the agreement. You can also ask for items such as drapes and appliances.

After your offer has been accepted, it’s wise to have the home inspected by a professional to find out its true condition. That inspection will help you know exactly what you are making an offer on. Offers often include a home inspection contingency which means that a buyer doesn’t have to commit to actually purchasing the home until the inspection is complete and facts are documented.

Once both parties have signed the agreement, the transaction moves onto the closing. Now you are one step closer to your dream home.

Start your home search at www.JeanHedren.com. Then give me a call to arrange a showing.

A new home buyer recently asked the question “how do I get financing?”

How do I get financing?” that’s a great question. To answer that question, the first step is to contact a mortgage loan professional in your area.
Hero-affordahomeShopping online for a mortgage can be a frustrating experience, particularly for a first-time homebuyer. Most of the online providers are national chains and not necessarily tuned in to your local area, or may not provide the advice you need.

Getting the best advice for your individual circumstances is so important. So start by talking to a professional either in person or on the phone. And, get a second opinion. Banks have different programs and services. Find one that is the best fit for your needs.

The initial consultation

Talk with your home mortgage consultant about your financing needs, current situation, and goals. Your home mortgage consultant will help you determine the next steps, including:

  • Income, assets, liabilities, and current real estate owned
  • Credit reports

Your mortgage consultant will share information on loan products based on your needs and credit profile.

Understand this one big real estate trend for the coming year

Highlights from Money Magazine 11/27/16 The One Big Real Estate Trend You Need to Understand in 2017

  • Nationally home prices are expected to rise more slowly than in 2016
  • Now is the time to trade up

The big trend – NOW is the time to pull the trigger on financing. Record low finance rates seen in 2016 are not expected to last.

halfpercentOn a $250,000 home, if interest rates increase a half percent on a 30-year fixed loan, the annual payments can increase $864.

A home inspection: the best investment you’ll make

A home inspection: The best investment you’ll make

I advise all my buyers to hire a home inspector.  I tell them it’s the best investment they’ll ever make.  If the inspection uncovers issues so serious that they decide to walk, it can feel like money wasted.  But if it helps them avoid big surprises they would have encountered later, then it’s definitely money well-spent.  That’s why I very rarely write up offers that don’t include an inspection contingency.

I even advise buyers to hire an inspector when they’re considering a foreclosure or other distressed property that’s being sold “as-is.”  More information can help them, in the words of that old song, “know when to walk away… and know when to run.”

A Home Inspection: full story here

Sold to first time buyers. N11785 Rasmussen Rd, Minong, WI

SOLD:  Well-cared for home with 3-car heated garage. N11785 Rasmussen Rd, Minong, WI. 

Available Minong, WI homes for sale: Jean Hedren, Edina Realty, Minong, WI

Attractive, well-maintained newer home on nearly 2 acres in Minong lakes and recreation area. Bright, sunny, all  one-level living space. Large 3-car garage has heated workshop. Access to great fishing, boating, trails, and more just minutes away. Only 2.5 hours from Minneapolis/St. Paul, 1 hour from Superior/Duluth.

OLYMPUS DIGITAL CAMERA

N11785 Rasmussen Rd, Minong, WI.

N11785 Rasmussen Rd, Minong, WI.

Wascott, WI is an hour from Superior/Duluth, 1.5 hours from Eau Claire, and 2.5 hours from Minneapolis/St Paul.

Check out this property and available homes for sale on the Minong Flowage/Cranberry Lake. www.JeanHedren.com. Jean Hedren, Realtor, Edina Realty, Minong, WI.