Washington County Weekend Post

3 - 0 1 - 1 5 • W a s h i n g t o n C o u n t y R e a l E s t a t e • 1 1 242032022 A survey of competitive mortgage rates. Participants pay a fee to be included in this feature. Assured Mortgage, Inc. (262) 754-4024 Last update 2/18/15 www.assuredmortgage.com/mschell 2375 W. Washington Street • West Bend, WI 53095 (262) 754-4024 • NMLS #262877 Look at all these LOW RATES!! Close in less than 30 days. Underwater Mortgage? We may be able to help. Peoples Home Equity, Inc (262) 306-6800 RATE PROGRAM PTS/APP Fees % DOWN LOCK APR/LOAN AMT. 3 .750 30 yr. Fixed 0/$425 5% 45 days 3 .799/200,000 3..625 20 yr. Fixed 0/$425 5% 45 days 3..674/200,000 3 .125 15 yr. Fixed 0/$425 5% 45 days 3 .174/200,000 3 .625 30 yr. FHA 0/$425 3.5% 45 days 3 .976/200,000 3 .625 30 yr. VA 0/$425 0% 45 days 3 .904/200,000 3 .625 30 yr. USDA Purchase 0/$425 0% 45 days 4.062/200,000 Brian Riley, Branch Manager NMLS #272359 • (262) 306-6800 Harp 2.0 available; refinance regardless of your home's value. Call to see if you qualify. Last update 2/25/15 RATE PROGRAM PTS/APP Fees % DOWN LOCK APR/LOAN AMT 3.875 30 yr. Fixed 0/$350 5% 30 days 3.965/100k 3.125 15 yr. Fixed 0/$350 5% 30 days 3.267/100k 3.375 7/1ARM 0/$375 5% 45 days 3.309/200k 3.625 30 yr. USDA 0/$400 0% 45 days 4.344/100k 3.625 30 yr. FHA 0/$350 3.5% 30 days 4.612/100k 3.625 30 yr. VA 0/$375 0% 45 days 3.784/150k 3.875 30 yr. WHEDA 0/$350 3% 45 days 3.163/100k Commerce State Bank (262) 247-2800 RATE PROGRAM PTS/APP Fees LOCK APR/LOAN AMT 3.750 30 yr. 0/$350 30 days 3.810/$100,000* 3.000 15 yr. 0/$350 30 days 2.106/$100,000* 3.750 WHEDA 0/$350 45 days 3.834/$100,000 3 .250 FHA 30 yr. 0/$350 30 days 4.830/$100,000 1700 South Silverbrook Drive, West Bend, WI 53095 W61 N301 Washington Avenue, Cedarburg, WI 53012 Mortgage Officers: Doug Hall NMLS#779480, Amy Schmoldt NMLS#457083, Carol Ford NMLS#608408,Tom Sloey NMLS#826254, Eric Bast NMLS#477273, Linda Chesak NMLS# 523660 or Tracy Keyes NMLS#280468 *Closing Costs $899 or less on Mortgage Purchases or Refinances! Purchase a home with $0 down! Fast Turn Times - Close in less than 30 days! E Q U A L H O U S I N G OPPORTUNITY Member FDIC APPLY at www.Commercestatebank.com Last update 2/25/15 Kohler Credit Union (262) 268-7240 RATE PROGRAM PTS/APP Fees % DOWN APR/LOAN AMT. 1.990 6 mon. Const 0/$450 20% 2.990/150,000 3.75 30 yr. Fixed 0/$450 5% 3.795/100,000 3.0 15 yr. Fixed 0/$450 5% 3.078/100,000 N/A FHA 0/$450 3.5% N/A/100,000 2.990 5/1 ARM 0/$450 20% 1.738/100,000* 3.200 Paid-in 10 0/$599 20% 3.309/$100,000** Dan Bodart 262-268-7240 Ext 2604 or 888-528-2595 Ext 2604 NMLS#474451 Now 24 hour mortgage application access through our Website WWW.Kohlercu.com. $150 closing cost credit for Web applications. Credit Union Membership open to all who live or work in Ozaukee and Washington Counties. Last update 2/25/15 *Down payment may come from gift for qualified borrowers **Refinances only. Total closing costs $599 Mortgage Market Legend: The rate and annual percentage rate (APR) are effective as of the "Last Update (date)" for each individual lender. The APR may increase after consummation and may vary. Payments do not include amounts for taxes and insurance. Annual percentage rates (APRs) are based on fully indexed rates for adjustable rate mortgages (ARMs). All rates, fees and other information are subject to change without notice. Some or all of the companies appearing in this table pay a fee to appear in this table. Sample Repayment Terms - ex. 360 monthly payments of $5.29 per $1,000 borrowed ex. 180 monthly payments of $7.56 per $1,000 borrowed. We recommend that you contact your lender directly to determine what rates may be avail- able to you. To appear in this table, call 262-306-5022. Last update 2/25/15 3.875 30 yr. Fixed 0/$0 5% 3.963/150,000 3.125 15 yr. Fixed 0/$0 5% 3.271/150,000 3.125 10 yr. Fixed 0/$0 5% 3.337/150,000 3.00 7 yr. Fixed 0/$0 20% 3.166/100,000 2.75 5 yr. Fixed 0/$0 20% 2.937/$50,000 T H I N K I N G O F BUILDING? B e s t L o t s F o r S a l e . c o m 2 6 2 - 3 3 5 - 9 4 4 7 ➺ In the heart of West Bend ➺ Open to all Builders ➺ Many allow exposed basements ➺ City water/sewer ➺ Lots start at $59,900 242635002 Find Out What Your Home is Worth On-Line Visit www.FreeWiRealEstateInfo.org Emmer Real Estate, Inc. 242881001 MILWAUKEE/NARI MEMBERS OFFER INSIGHT ON FULL FRAME WINDOW REPLACEMENT OR WINDOW INSERT INSTALLATION This is the time of year when homeowners notice the draft com- ing through windows, condensation, or general disrepair. So should you get a full frame window replacement or just a win- dow insert? Experts from Milwaukee/NARI (National Association of the Remodeling Industry) offer some insights: An insert is basically removing the sashes and stops and inserting the new window inside an existing frame. While the least expensive way to go, homeowners should use some caution when choosing an insert. This includes the window having less glass, and also less light because the new window is inside the frame of the old one. It's possible to lose an extra inch on each side of the sash. The problem of air leaks may also not be taken care of because although the window may be tight, the frame around it may not be. If the original frame is rotted or not square, a window insert instead of total window replacement will only result in more problems down the road. You can test the frame yourself by poking a screwdriver into it. However, inserts are a good option if the window frame is in good condition with no signs of water damage and the open- ing is square. With a full frame window replacement, the entire window, sashes, frame, stops, and intercasing are removed to the interi- or studs, resulting in a secure anchoring of the frame to the house, better insulation and air sealing, and plumbed and squared so it opens and closes properly. When looking at replacing windows, also look at its Low-E glass coating and its U-Factor. Low-E glass coatings reduce the heating and fading effects of the sun and can help keep your home cool on a hot day by blocking longer-wave radiant heat from entering. On a cold day it can prevent the radiant interior heat from escaping through the glass. The U-Factor measures the heat transfer through a window and tells you how well the product insulates. The lower the U-Factor, the greater resist- ance to heat flow (in and out) and the better it's insulation value. U-Factor values generally range from 0.25 to 1.25. Window replacement also comes in various materials: Vinyl is the least expensive and maintenance free, but color choices are limited. Also there are different qualities of vinyl – think good, better, best. It's advisable to go with the "best" for long-term results. Wood is aesthetically pleasing but it requires mainte- nance, such as scraping, painting or staining, and is susceptible to moisture damage. Fiberglass is more expensive but is stronger, more durable and energy efficient than wood or vinyl. Fiberglass is the high- est-quality insulating material for replacement windows. Aluminum clad: These have wood frames inside and an aluminum shell on the outside for low maintenance. The most important part of window replacement, whether a homeowner chooses full frame or insert, is to get a qualified installer, a contractor with an established business and a mem- ber of a professional organization such as Milwaukee/NARI. Get referenes and follow-up with them, and get more than one bid. Check for warranties from the manufacturer and work- manship warranties from the installer. Milwaukee/NARI, with more than 740 members, has been promoting ethical conduct, professionalism, and sound busi- ness practices in the remodeling industry for more than 50 years. Consumers should have complete peace of mind when selecting a Milwaukee/NARI contractor for their home improvement project. For more information or to receive a free copy of an annu- al membership roster listing all members, and the booklet, Milwaukee/NARI's Remodeling Guide, call 414-771-4071 or visit the association website at www.milwaukeenari.org. www.WiHomeEvaluation.com FREE recorded message 1-800-479-8209 ID# 1041 OR HOMESELLERS Find out what the home down the street sold for. FREE computerized list with pictures of area home sales and current listings. Emmer Real Estate, Inc. 242881003 242926003 HARTFORD RANCH CONDOS 1st floor/No steps, Spring 2-3BR, 2BA, 2 GA, $129,900+ Sunroom/LL/Woods/InLaw Garden, Clubhouse, $95 mo. 3 Blks Shop/Eat/Bank/Med Builder • 262-569-1516 www.hartfordsquareII.com HARTFORD RANCH CONDOS OPEN SUN & WED 10:30-12 Hwy 60E behind K-Mart OPEN SUN & WED 10:30-12 JACKSON BAY SENIOR APTS. JACKSON, WI Low to moderate income elderly, handicapped/disabled. CALL NOW!! 608-348-7755 Certain Income Restrictions Apply Equal Housing Opportunity This institution is an equal opportunity provider and employer. 242600002

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