New Construction Property

Welcome to The Cottages at Lakes! This stunning, fully updated home is a rare gem that offers privacy and breathtaking views of the Green Belt and the Dells. With its beautiful design and meticulous upgrades, this residence is sure to impress. Step inside and be captivated by the exquisite features. The kitchen boasts sleek Quartz counters, creating an elegant and modern space for culinary delights. The living area is adorned with a gorgeous stone fireplace, perfect for cozy evenings with loved ones. This home offers two bedrooms and a Den, providing ample space for relaxation or a home office. But that's not all! This exceptional property also includes a 4 Seasons Sun room (12x22), offering a tranquil retreat and adding extra value to the home. Although not included in the Square Footage calculation, this versatile space provides a wonderful area to enjoy the surrounding beauty with views out to the Dells. Roughly $125K has been put into the home in updates over the last 10+ years. The care and attention to detail exhibited by the owners is evident throughout. Recent updates within the last 5 years include a new Water Heater, a Soft Water System, and added insulation up to R-49 and interior and exterior painting. Additionally, the roof was replaced in 2019, and an A/C system with a thermostat was installed in 2016. Seamless Gutters were added in 2017, most appliances updated in 2020, carpeting updated in 2022 further enhancing the functionality of the home. The advantages of living in The gated Cottages at Prescott Lakes extend beyond the confines of this remarkable property. The community offers an active club lifestyle, complete with an 18-hole championship golf course, 5 pickleball courts, 2 tennis courts, and both indoor and outdoor pools. Engage in endless activities and workout classes designed to cater to your interests and wellness goals. Don't miss this opportunity to own a piece of paradise in Prescott Lakes. Experience the luxury, privacy, and convenience that this home and community have to offer. Contact me today to schedule a private showing and make this your new haven.

106 State St.

Welcome to The Cottages at Lakes! This stunning, fully updated home is a rare gem that offers privacy and breathtaking views of the Green Belt and the Dells. With its beautiful design and meticulous upgrades, this residence is sure to impress. Step inside and be captivated by the exquisite features. The kitchen boasts sleek Quartz counters, creating an elegant and modern space for culinary delights. The living area is adorned with a gorgeous stone fireplace, perfect for cozy evenings with loved ones. This home offers two bedrooms and a Den, providing ample space for relaxation or a home office. But that's not all! This exceptional property also includes a 4 Seasons Sun room (12x22), offering a tranquil retreat and adding extra value to the home. Although not included in the Square Footage calculation, this versatile space provides a wonderful area to enjoy the surrounding beauty with views out to the Dells. Roughly $125K has been put into the home in updates over the last 10+ years. The care and attention to detail exhibited by the owners is evident throughout. Recent updates within the last 5 years include a new Water Heater, a Soft Water System, and added insulation up to R-49 and interior and exterior painting. Additionally, the roof was replaced in 2019, and an A/C system with a thermostat was installed in 2016. Seamless Gutters were added in 2017, most appliances updated in 2020, carpeting updated in 2022 further enhancing the functionality of the home. The advantages of living in The gated Cottages at Prescott Lakes extend beyond the confines of this remarkable property. The community offers an active club lifestyle, complete with an 18-hole championship golf course, 5 pickleball courts, 2 tennis courts, and both indoor and outdoor pools. Engage in endless activities and workout classes designed to cater to your interests and wellness goals. Don't miss this opportunity to own a piece of paradise in Prescott Lakes. Experience the luxury, privacy, and convenience that this home and community have to offer. Contact me today to schedule a private showing and make this your new haven.

Rate Markets Update!

UNDERSTANDING THE MARKET TRENDS AND NEWSMarket AnalysisBonds are not performing well.The rally last week seemed unsustainable.Bounced off the Fibonacci 38 level, a normal retracement point.Currently retesting the previously broken Fibonacci level.Concern about lack of news impacting market movements.Charts indicate a potential sideways movement between two Fibonacci levels.Upcoming EventsFed members speaking throughout the week.Wednesday: Existing home sales and FOMC minutes.Thursday: New home sales, building permits, ten-year auction.Friday: Consumer expectations, settlement, durable orders.Mortgage-Backed Securities (MBS) AnalysisMBS came above the Fibonacci level.Rejected at the resistance level of 99.40.Potential downside to around 98.40, a 30 basis point drop.ConclusionCaution is advised due to uncertain market conditions.Charts indicate potential for sideways rate movement.Lack of significant news events until mid-week.MBS facing resistance at 99.40 level, with possible downside to 98.40.

Innovative Guide For Today’s Buyer Agent and The Commission Challenge

Dear Buyer Agent,As the real estate landscape evolves, a significant shift is upon us: the commission disclosure transition. This pivotal change centers on educating sellers and buyers about the intricacies of commission payments to listing and buyer agents. The objective? Enhanced transparency, fostering open dialogues between buyer agents and potential buyers regarding commission structures.In these transformative times, I present a proposition: lean on my financial expertise to help augment the value you offer your clients. Drawing from my experience, I've curated FIVE pivotal value additions. You can showcase these tools and strategies to buyers, akin to how a listing agent would present to potential sellers.Navigating this transition won't be a solitary journey. As a lending partner, in collaboration with the value proposition you already offer, I can offer many tools and strategies, from specialized loan strategies covering commission costs to innovative savings tactics. This paradigm shift also empowers agents to negotiate commissions directly, aligning incentives more closely with buyer needs. It's a win-win, enhancing the buying experience for all stakeholders—buyers, agents, and sellers alike.Allow me to introduce the SIX value-adds for a compelling Home Buyers Presentation:⚡️ DIGITAL OFFER ⚡️The future of home buying is digital. Digital offers aren't just about efficiency—they're about creating a unique, transparent experience. Say goodbye to misplaced approval letters and convoluted financial jargon. Embrace instant approval letters, personalized video messages, and crisp financial visuals. Enhance your proposal with actual property images, setting your offer apart. This digital-first approach reaffirms your dedication to a streamlined home-buying journey, placing you at the forefront of buyer preferences and guaranteeing your buyer's offer stands out among multiple offers.Example ➡️https://www.roncahalan.com/presentation/FMO8bAe1.......................................................................⚡️ APPRAISAL GAP ⚡️An appraisal gap isn't just a strategy—it's a testament to your preparedness. In scenarios where appraisals don't align with sale prices, this tactic ensures stability in rates and payments, minimizing additional buyer contributions. Showcasing your proficiency with the appraisal gap strategy solidifies your reputation as a buyer agent adept at mastering market nuances.Example ➡️https://www.loom.com/share/af1680290b90497fb1d45cfa025db01b.......................................................................⚡️ COMMISSION GAP ⚡️The Commission Gap strategy is more than a tool—it's a commitment. In instances where sellers don't cover the commission or appraisal values don't justify it, I step in. My expertise enables me to restructure buyer financing to accommodate the commission, ensuring you're compensated relatively while ensuring transaction fluidity. Adopting the Commission Gap strategy underscores your dedication to circumventing market challenges, further cementing your standing as a versatile buyer agent.Example ➡️https://www.loom.com/share/aedf1b7b01c04ff8adc685e01ea32a6a.......................................................................⚡️ AFFORDABILITY SOLUTIONS ⚡️Affordability Solutions aren't just about numbers—they're about possibilities. I specialize in tailoring financing solutions expanding affordability horizons for buyers. Whether tweaking offers to secure favorable rates or leveraging unique loan products, these strategies simplify home buying. Significantly, when commissions are directly involved, showcasing these solutions amplifies your commitment to buyer financial well-being, reinforcing your value in their home-buying expedition.Example ➡️https://www.loom.com/share/78f87697e9684611b28887e5f86f6905.......................................................................⚡️ CASH TO WIN ⚡️What if your buyers are up against multiple offers but you had a solution that could "10 X" their chances to "WIN" every offer because they were negotiating as a cash buyer? What if, in doing so, the typical price reduction for cash ranges between 3 and as much as 10%... and with that "cash discount", they could pay closing costs and/or improve the affordability with an interest rate buydown at the same time? PLUS... regardless of the Seller's position on B/A commissions, with CTW, we can get you paid! That is the CASH TO WIN Program!Example ➡️https://www.loom.com/share/3f49c8e3052247e6aedc04176e2be7bd.......................................................................⚡️ INTEREST RATE MARKET UPDATES ⚡️Interest rates aren't static—they're dynamic. My financial market experience allows me to guide clients in securing optimal rates grounded in real-time market insights. Instead of locking in rates based on whims, we'll employ a data-centric strategy, ensuring the best rate at the perfect moment. This nuanced approach elevates your value proposition, shedding light on the intricacies of mortgage rates beyond mere rate comparisons.Example ➡️https://www.loom.com/share/fbb32e609fce4e0dbb845d73082180f8.......................................................................These tools and strategies will empower you to offer unparalleled value to your clients. Together, we can navigate this transition, ensuring a seamless, transparent, and enriching home-buying experience for all involved.Warm regards,Ron CahalanNMLS#224041

Homebuyer’s Budget Worksheet

The best preparation guide and worksheet to determine the price range best for you and your budget.

*Your Mortgage Pre-Approval Guide

Let's get you preapproved! This simple guide will help you get ready.