Washington County Weekend Post

With spring having officially begun, many eager homeowners and landscape professionals across the country will roll up their sleeves and reach for their shovels to start projects that require digging this season. During the transition into "digging season," Common Ground Alliance (CGA), the organization dedicated to protecting underground utility lines, people who dig near them, and their communities, reminds homeowners and professional diggers that calling 811 is the first step toward protecting you and your community from the risk of unintentionally damaging an underground line. Every digging project, no matter how large or small, warrants a free call to 811. Installing a mailbox or fence, building a deck and landscaping are all examples of digging projects that should only begin a few days after making a call to 811. Calling this number connects you to your local one- call utility notification center. According to data collected by CGA in a phone survey in February, millions of American homeowners will likely do DIY projects involving digging this year, but 36 percent of them do not plan to make a free call to 811 before digging. Extrapolated to the full population of U.S. homeowners, approximately 48.3 million people will dig this year without first calling 811. A utility line is damaged every nine minutes in America because someone decided to dig without making a call to 811 to learn the approximate location of buried utilities in their area. Unintentionally striking one of these lines can result in inconvenient outages for entire neighborhoods, serious harm to yourself or your neighbors, and significant repair costs. As a result, CGA offers the following tips to make sure you complete your project safely and without any utility service interruptions, so you don't become a statistic. Here's how the 811 process works: 1. One free, simple phone call to 811 makes it easy for your local one-call center to notify appropriate utility companies of your intent to dig. Call a few days prior to digging to ensure enough time for the approximate location of utility lines to be marked with flags or paint. 2. When you call 811, a representative from your local one-call center will ask for the location and description of your digging project. 3. Your local one-call center will notify affected utility companies, which will then send professional locators to the proposed dig site to mark the approximate location of your lines. 4. Only once all lines have been accurately marked, carefully dig around the marked areas. There are nearly 20 million miles of underground utility lines in the United States, which equates to more than a football field's length of utilities for every person in the U.S. Your family depends on this buried infrastructure for your everyday needs including electric, natural gas, water and sewer, cable TV, high-speed Internet and landline telephone. With that much critical infrastructure underground, it's important to know what's below and call 811 before digging. To find out more information about 811 or the one- call utility notification center in your area, visit www.call811.com. 4 - 8 - 1 8 • 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 • 7 Call 811 before digging for home improvement projects and landscaping this spring (BPT) A survey of competitive mortgage rates. MORTGAGE M A R K E T 258808006 Last update 4/4/18 www.assuredmortgage.com/mschell 2375 W. Washington Street • West Bend, WI 53095 (262) 754-4024 • NMLS #262877 Ask me about our No Closing Cost Options! RATE PROGRAM PTS/APP Fees % DOWN LOCK APR/LOAN AMT. 4.375 30 yr. Fixed 0/$425 5% 45 days 4.481/200,000 4.25 20 yr. Fixed 0/$425 5% 45 days 4.387/200,000 4.25 30 yr. FHA 0/$425 3.5% 45 days 5.304/200,000 4.25 30 yr. VA 0/$425 0% 45 days 4.784/200,000 4.25 30 yr. USDA Purchase 0/$425 0% 45 days 4.752/200,000 Brian Riley, Branch Manager NMLS #272359 • (262) 306-6800 Reverse Mortages... Call to see if you qualify. Last update 2/14/18 RATE PROGRAM PTS/APP Fees % DOWN LOCK APR/LOAN AMT 4.375 30 yr. Fixed 0/$400 5% 45 days 4.473/200k 3.875 15 yr. Fixed 0/$400 5% 45 days 4.038/200k 4.500 30 yr. USDA 0/$400 0% 45 days 5.022/150k 4.500 30 yr. VA 0/$400 0% 45 days 5.272/150k 4.500 30 yr. FHA 0/$425 3.5% 45 days 5.576/150k 4.500 30 yr. WHEDA 0/$400 3% 45 days 4.787/100k Purchase a home with $0 down! No closing cost loans available RATE PROGRAM PTS/APP Fees % DOWN APR/LOAN AMT. 2.75 6 mon. Const 0/$480 5% 3.25/150,000 4.5 30 yr. Fixed 0/$480 5% 4.548/100,000 3.875 15 yr. Fixed 0/$480 5% 3.957/100,000 N/A FHA 0/$480 3.5% N/A/100,000 3.125 5/1 ARM 0/$480 5% 3.258/100,000* 3.25 Paid-in 10 0/$599 20% 3.314/100,000** Access our mortgage application anytime at kohlercu.com. You can be a member if you live or work in Sheboygan, Calumet, Fond du Lac, Manitowoc, Milwaukee, Ozaukee, Washington or Waukesha County. Last update 4/3/18 *Down payment may come from gift for qualified borrowers **Refinances only. Total closing costs $599 E Q U A L H O U S I N G OPPORTUNITY Dan Bodart - 262-268-7240 ext 2604 or 888-528-2595 Ext 2604 - NMLS #474451 Todd Fechter - 262-268-7240 Ext 2603 or 888-528-2595 Ext 2603 - NMLS #671602 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 feature. Subject to credit approval. We recommend that you contact your lender directly to determine what rates may be available to you. To appear in this table, call 262-306-5075. Peoples Home Equity, Inc (262) 306-6800 Kohler Credit Union (262) 268-7240 Assured Mortgage, Inc. (262) 754-4024 This space is reserved for your Mortgage Market Rates. Please call Barb today at 262-306-5075 Advertise in Classified - It Pays!

• Cover