People living in Wisconsin and those thinking about making a move to the Badger State now have access to a quick and easy to use Mortgage Rate Calculator. As many current home owners are aware, part of the mystery involved with looking at new homes is always “how much the monthly payment is going to be.” This figure can be of huge importance to a new family as it oftentimes sets the stage for other monthly budgets such as how much can be spent on groceries or car payments and how much is left over for “fun money” etc. To first time home buyers the impact of the almighty “monthly payment” is easily underestimated.
On paper, everything can look perfect. Bills, grocery money, gas for the cars etc. It all fits together and appears to leave the family well in the green each month. But where many family’s can go wrong is forgetting to leave money in the slush fund for things that pop up. As many current home owners are aware, things pop up all the time! From Madison to Milwaukee to Appleton, families are faced each month with surprise costs that seem to come out of nowhere. Car batteries, vacuum bags, garden hoses, water softener salt, furnace filters, landscaping trees, flowers, the list goes on and on. The more things a family acquires, the more they break and require money to fix and maintain.
It’s a fact of life, especially when home ownership becomes factored into the equation. So, for first time home owners it’s hugely important to make sure everything is on the table when it comes to monthly expenses. Round the figures up and leave twice the amount you think you need in the good old slush fund is the advice of most financial advisers who have seen it time and time again when young married couples buy a home and quickly find themselves “house rich and cash poor”. It’s not a situation you want to find yourself in as it has lead to many a foreclosure and divorce over the years. Money woes can be a hug drain on family life, and the overburden of a home payment that is just plain too large for a family to handle can be a monster sized culprit.
So, financial planning tools become crucial for first time home buyers and those looking to refinance a WI mortgage to a shorter term (which in most cases means a higher monthly payment). On such tool that can be very helpful is to learn how to use this Wisconsin mortgage rate calculator to help provide home buyers with a real solid snapshot of where they will be financially under a variety of different APR and loan term circumstances. By simply entering the amount of money a house is selling for, the total down payment, insurance costs and percentage rates, one can quickly see the total monthly payment that will be required. It’s a great tool to calculate your financial situation and how much house you can truly afford.
When it comes to benefits, Veterans are fortunate to have a wide variety to choose from. The U.S. Government has many programs focused on providing current and ex military members and their families with various programs offering assistance and low finance rates.
On such program is the government backed VA Home Loan program. By insuring different aspects of the mortgage, the VA is able to work with lenders who in turn extend low rates (because they know these government backed loans are low risk).
Should you consider a VA loan? If you are a service man or woman or someone who was previously enrolled in the armed forces then it is definitely worth a look at the different options. For one, these programs offer zero down payment options. This can be huge for first time home buyers or families strapped for cash. This is a giant benefit, especially nowadays considering the fact that zero down payment loans have all but disappeared after so many lending institutions were burned by them after the real estate bubble burst a couple years back.
Also, PMI or Private Mortgage Insurance is not a requirement with these Veterans Loans. This can be a considerable money saver because PMI payments can tack on several hundreds of dollars to monthly payment costs.
Here are some different types to consider:
IRRL (Interest Rate Reduction Loans): Often referred to as the Streamline Refinance Loan, this option is for people who have a current mortgage and wish to refinance for a lower rate.
Purchase Types: These are the most common types which do not require PMI or a down payment in many instances.
Housing Grants: These are designed to assist veterans who where injured by providing money to construct special needs homes
There are also programs designed to assist Native American military members with home purchases and refi on existing homes. All of these programs are streamlined to provide fast service so purchases and refi programs can be initiated quickly and effectively. As much bureacratic red tape has been cut out of the entire process as possible in order to expedite the process.
Many first time home buyers who served in Iraq or Afghanistan were able to take advantage of these money saving programs even after the real estate market crashed and came to a standstill. Because there is so much trust in the VA and it’s ability to uphold it’s obligations to private lending banks and corporations, these entities are very responsive in extending the best possible rates to applicants who qualify.
As usual, your best bet is to learn more about Wisconsin VA mortgage rates and how you can take advantage of the different programs is you qualify. Pretty much any existing or ex service member can qualify unless there was a dishonorable discharge on record in the past.
Landscaping isn’t necessarily all about planting attractive flowers and shrubs out in the front yard. To many folks it’s about attracting wildlife, not just to observe, but to harvest for sport and for food.
Deer hunting has become increasingly popular over the past 10 years as whitetail herds continue to flourish. Global warming has produced milder winters, which results in fewer winter killed deer. Nowadays many hunters are able to hunt right out in their back yard using compound bows or crossbows which are deadly at short range but do not present the long range danger of firearms. As a result, more and more property owners seek to find out how to attract big whitetail bucks to their neck of the subdivision.
The first thing you want to do is make sure the plantings that are attractive to the ungulates are positioned far away from the flowers, bushes and shrubs that you would rather not be classified as deer fodder. These are creatures of habit, and you want them to learn from the very beginning where they should go to munch on plants.
Next, make a list of flora that grows in your area that is also considered a viable food source for deer. Select plants that grow quickly and will come back year after year, even if chewed down to leafless stubble.
You may also consider planting an actual food plot if space permits. Biologists have created a wide variety of food plot seeds bred to grow quickly in harsh conditions. These nutrient packed plants are often packed with the vitamins and minerals which promote the growth of big antlers and monster racks. You can even plant areas with different varieties which fruit at varying times of year. This way there will always be a source of food available for the deer and they will become accustomed to using your property as a main feeding area.
Mineral licks are also an option but they are not legal in all states. Since CWD (Chronis Wasting Disease) became widespread throughout the U.S. there are increasing concerns over any type of actions which cause the whitetails to congregate. Close quarters contact is known to spread CWD. And once an animal has contracted it there is no cure.
So, with a little work this spring and summer you can start your own little trophy whitetail zoo right in your own back yard! Who knows, maybe next fall you can stick a Pope And Young Wall Hanger right in your own back yard landscape!
In Wisconsin and many other midwestern states one of the primary focal points of the real estate is the front yard landscape. Not only is this the area that is the most viewed from the road, but it’s also one of the more popular spaces for family members to hang out and chill during gatherings and relaxing family cookouts.
Many subdivisions were created when local farmers decided to retire and sell their land to real estate developers who then divided the land into lots and sold them to builders. Since the land was initially used to produce crops, farmers were frequently moving large rocks and boulders out of the soil and casting them aside. Many of these ended up as accents in peoples yards. And today they are extremely popular lawn and garden accents.
The problem most homeowners realize, however, is that these attractive balls of granite are not exactly easy on the back, in fact they can be downright brutal. Luckily, a company called DekoRRa has developed a line of realistic fake rocks like the ones you can learn about here that offer all the benefits of the real ones, only at a fraction of the weight. These plastic boulders can also be a great alternative to those who tried to make artificial rocks and realized how difficult and time consuming that process can be.
Better yet, these synthetic wonders are designed hollow with the intention of covering utilities. Water well pumps, septic tank risers, utility boxes, cable boxes, outlets, vents, irrigation backflows and more. Now there’s a way to disguise them all quickly and efficiently. The clever design even incorporates drilled flanges around the base edges. Durable stakes can be drives through the flanges to make the enclosure secure to the ground and wind proof.
But it’s not all about hiding utilities in the yard. DekoRRa makes these so realistic that they can be placed anywhere a landscaping rock is needed to add curb appeal to your real estate. In fact during the Wisconsin deer season hunting land is often dotted with these faux boulders as some hunters actually use them as hunting blinds. Pretty slick!
If you do intend to use one to hide a specific object in your yard, you want to make sure you measure the object very carefully. Be mindful to include the length and width of the object both at its base and up at the top. Compare your measurements with the interior dimension charts at a site like to ensure you purchase a style large enough to fit over whatever it is you intend to enclose.
Rocksfast.com also features an online form where you can type in the measurements you took and an experienced rep will look at the numbers you entered and compare them with those in the interior dimension charts. Oftentimes they will be able to provide you with a variety of options to consider.