Madison Real Estate – Nataliya Flannery

The next step is to find a buyer agent. There are many reasons why one should choose a buyer agent, but basically they are able to find houses and other property more quickly than if a person is to look by themselves. A buyer agent also doesn’t charge the buyer. The seller pays for both the seller agent and the buyer agent,so you get the buyer agent for free! I am available for all of your buyer agent needs.

After you have chosen a buyer agent, then you and your agent start looking for a home. Your agent will use the MLS (Multiple Listing Service) to find the home with your specifications. Once that right home has been found, then you and your buyer agent will write an offer to purchase. If your purchase is accepted, then congratulations, you have just bought your new home! As a buyer agent, I will also accompany you to your closing to make you feel more at ease, so give me a call today at 219-8014 or email me at natflannery@kw.com, so I can help you buy that new home today!

Madison Real Estate – Nataliya Flannery – Relocation Information


So you would like to move to Madison? Let me help you find your way home. I available day or night to assist your search for a home in Madison and surrounding Dane County. I can also provide information about the area. There is much to see and do here that would make you want to live here forever. Madison has excellent schools, neighborhood associations, and great entertainment. Farmers’ Markets and Art Galleries abound in the area. We also have good literary outlets. Give me a call today, my cell phone number is 1-608-219-8014, and I can help you relocate to Madison.

What’s so special about Madison? Well, the Isthmus (Madison’s alternative weekly newspaper) proposed nine reasons why Madison is special and unique (by David Mollenhoff):

  • Political
    “Madisonians learned to think politically, to attune their ears to political nuance. They participated in and sometimes spearheaded the great debates that coursed through the statehouse.”
  • Beauty-conscious
    “On walks through town, I still marvel that Madison has managed to remain so beautiful for so long. I credit this powerful, historically grounded appreciation of beauty.”
  • Brainy
    “We have one of the highest concentrations of people with college and advanced degrees. That Madison, a city of just 217,000, has nearly 40 bookstores including four superstores…surely confirms our bibliophilia.”
  • Multitalented
    “In the last 10 years, Madison has garnered top national ranking in dozens of categires: the best small city, the best city for quality of life, the best place for bicycling, the best place for business and careers, and on and on. I rest my case.”
  • Exemplary
    “Today, we have earnest discussions about trolleys and high-speed rail and how they will deliver us from urban sprawl, Beltline crawl and ranch houses all in a row.”
  • Visionary
    “If ever a city required big, resolute visions to reach its lofty potential and nourish its soul, it is Madison, Wisconsin. The proof is in the implementation. Show me a city where so many big dreams became reality.”
  • Contrary
    “Simply put, Madison’s professional community liked the city the way it was: clean, quiet, cerebral, touristy and small.”
  • Civically active
    “…the number of organizations here nearly equals the number of people. And that does not include the city’s 120 neighborhood associations, surely a record for a city our size.”
  • Progressive
    “In fact, one can argue that Wisconsin’s progressivism was invented in Madison.”

Last Updated: August 13, 2009 All information copyright madison-real-estate.net 2005, Webmaster
Directory


Madison Real Estate – Real Estate Definitions

Abstract of title: A condensed history or summary of all transactions affecting a particular parcel of real estate, including the original grant, all conveyances and encumbrances affecting the property, and the abstractor’s certification of the history’s accuracy.

Acceleration clause: A clause in a mortgage that gives the lender the right to require payment of the entire principal balance if the borrower defaults on an installment payment or other covenant.

Acceptance: An offeree’s consent to enter into, and be bound by the terms of, a contract.

Access: The right to enter and exit a parcel of land from a public way, including the right to enter and exit via land belonging to others.

Acknowledgment: The confirmation by which a party executing a legal document confirms his signature and voluntary agreement with the terms of the document, made before an authorized officer of the Court or notary public.

Acre: 43,560 square feet of land.

Adjustable-rate mortgage (ARM): A mortgage with interest rates that may fluctuate based on market conditions; the lender is permitted to adjust the mortgage’s interest rate periodically, though most ARM’s are limited in the amount that the interest rates can vary.

Adjusted basis: The total of the original cost of a property and the value of any capital expenditures for improvements done to it, minus any depreciation taken.

Adjustment date: The date on which the interest rate changes for an adjustable-rate mortgage (ARM).

Adjustment period: The period of time between the adjustment dates for an adjustable-rate mortgage (ARM).

Administrator: A person appointed by a probate court to administer the estate of an individual who has died without a will.

Adverse Possession: A claim made against the land titled to another person, by virtue of open and hostile possession and use of the land to the exclusion of the titled owner.

Affidavit of title: A sworn statement that is made in writing under oath by a seller of real property, and certified by a notary public, in which the seller identifies himself or herself, indicates marital status, certifies that no defects have occurred in the title since the examination of the title on the date of the contract, and confirms that he or she is in possession of the property (if applicable).

Agency: The relationship between two or more persons wherein the agent is authorized to act on behalf of another person (or principal) in certain transactions.

Agent: A person or company that acts on behalf of another to transact business, generally in exchange for payment. In real estate, it is a person or company with a real estate license working under the authority of a real estate broker.

Alienation: The act of transferring property to another, either voluntarily (via a sale), or involuntarily (via adverse possession).

Alienation clause: The clause in a mortgage or deed of trust which asserts the lender’s option to require that the balance of the secured debt becomes immediately due and payable if the property is sold by the borrower, preventing the borrower from assigning the debt without the lender’s approval.

ALTA: American Land Title Association, the national association of title insurance companies, abstractors and attorneys specializing in real property law, headquartered in Washington, D.C.

Amenity: A natural or manmade feature of real property that enhances its value and attractiveness, though it is not essential to the property’s use.

Amortization: The process of payment of a debt or mortgage loan over time by installments.

Amortization schedule: A timetable for repayment of a debt or mortgage loan, showing the amount of each payment, what portion is applied to interest and principal, and the remaining balance.

Amortization term: The amount of time required to repay the mortgage loan, expressed in number of months.

Amortize: To pay off a loan or mortgage with periodic payments that cover both principal and interest.

Amortized loan: A loan in which both the principal and interest are payable in monthly or other periodic installments over the term of the loan, with no balloon payment prior to maturity.

Annual mortgagor statement: An annual report sent to the borrower (mortgagor) each year, showing the amount paid in taxes and interest during the year, as well as the remaining mortgage loan balance.

Annual percentage rate (APR): The overall cost of a mortgage, including interest, mortgage insurance, and loan origination fee (points), stated as a yearly percentage, thus allowing buyers to compare different types of mortgages based on the associated annual finance charges; the APR must be disclosed to borrowers by lenders, per the Truth-in-Lending Act.

Annuity: The return, including interest, from an investment of capital, paid in a series of regular payments.

Appraisal: A written estimate of the value of an asset or property prepared by a qualified, independent party, through which the asset or property value is determined.

Appraised value: The estimate of a property’s fair market value, based on an appraiser’s analysis of the property.

Appraiser: An individual educated to estimate the value of real property and personal property.

Appreciation: An increase in the worth of a property due to changes in economic conditions or other causes; the opposite of depreciation.

Appurtenance: Anything attached to, or used with, a parcel of land that will go to the new owner on conveyance of the land.

ARM: Adjustable-rate Mortgage. Also see “Variable Rate Mortgage”.

Assessment: A tax, charge or levy against a property made by the government, based on its value, and levied for a specific purpose, such as to finance sidewalks, a sewer, etc.

Assessment rolls: The public record of taxable property.

Assessor: A public official who evaluates the value of a property for taxation purposes.

Asset: Anything of monetary value owned by an individual, including real property, personal property, and enforceable claims against others (bank accounts, stocks, mutual funds, etc.).

Assign: To transfer interest.

Assignee: One who receives an assignment or transfer of rights.

Assignor: One who makes an assignment or transfer of rights to another.

Assumable mortgage: A mortgage that allows a new owner to take over its obligations.

Assumption: The process of transferring the seller’s existing mortgage and liability for payments to the buyer when purchasing a property, which usually saves the buyer money, since assuming a new mortgage incurs additional closing costs and possibly higher interest charges.

Assumption clause: The provision in an assumable mortgage that allows a buyer to take responsibility for that mortgage from the seller.

Attachment: Seizure of property through Court process to force payment of a debt.

Attorney-in-fact: One who holds a power of attorney from another to execute legal documents on behalf of the grantor of the power.

Madison Real Estate – Nataliya Flannery – School Information


Madison and the surrounding communities have excellent public school systems. There are also good private schools that can educate your children.

School Information Links

Wisconsin School Tree – Columbia County An excellent webpage that has listings of all the schools in Columbia County, Wisconsin.

Wisconsin School Tree – Dane County

An excellent webpage that has listings of all the schools in Dane County, Wisconsin (including all of the schools in Madison).

Wisconsin School Tree – Green County

An excellent webpage that has listings of all the schools in Green County, Wisconsin.

Wisconsin School Tree – Richland County

An excellent webpage that has listings of all the schools in Richland County, Wisconsin.

Wisconsin School Tree – Rock County

An excellent webpage that has listings of all the schools in Rock County, Wisconsin.

Wisconsin School Tree – Sauk County

An excellent webpage that has listings of all the schools in Sauk County, Wisconsin.

Wisconsin Public School Rankings

This website ranks the public schools found int he state of Wisconsin.

School Matters – Wisconsin

Statistics and Facts About Wisconsin’s Great Schools

Information about Wisconsin’s excellent public schools.

Last Updated: April 8, 2007 All information copyright madison-real-estate.net 2005, Webmaster
Directory


Madison Real Estate – Nataliya Flannery


Here are some loan officers that I recommend. They can help you in becoming pre-approved for a home mortgage.

Loan Officers

Name: John Diedrich
Company: U.S. Bank
Address: 402 Gammon Place, Suite A
Madison, WI 53719
Office Phone: (608) 827-3272
Office Fax: (608) 836-5901
Email: john.diedrich@usbank.com

Name: David Grauwels
Company: Mortgage Professionals, LLC
Address: 3 Point Place
Madison, WI 53719
Office Phone: (608) 662-9580
Office Fax: (608) 662-9583
Cell: (608) 358-5383

Last Updated: May 12, 2007 All information copyright madison-real-estate.net 2005, Webmaster
Directory


Madison Real Estate – Nataliya Flannery

North Madison

Berkley Oaks Neighborhood Association
Brentwood Neighborhood Association
Cherokee Garden Condominum Association
Cherokee Park Neighborhood Association
East Bluff Homeowners Association
Kennedy Heights Neighborhood Association
Lake View Hill Neighborhood Association
Lerdahl Park Neighborhood Association
Maple Wood Condominum Association
Mendota Hills Neighborhood Association
Nobel Park Neighborhood Association
North Lake Mendota Neighborhood Association
Sheridan Triangle Neighborhood Association
Sherman Neighborhood Association
Sherman Village Neighborhood Association
Trinity Park Neighborhood Association
Vera Court Neighborhood Association
Whitetail Ridge Neighborhood Association

South Madison

Allied Community Association
Arbor Hills Neighborhood Association
Bram’s Addition Neighborhood Association
Broadway-Lakepoint Neighborhood Association
Burr Oaks Neighborhood Association
Capitol View Heights Neighborhood Association
Dunn’s Marsh Neighborhood Association
Indian Springs Neighborhood Association
Moorland-Rimrock Neighborhood Association
Waunona Neighborhood Association

East Madison

Burke Heights Neighborhood Association
Carpenter-Ridgeway Neighborhood Association
Claredon Hills Homeowners Association
East Buckeye Neighborhood Association
Eastmorland Community Association
Eken Park Neighborhood Association
Elvehjem Neighborhood Association
Emerson East Neighborhood Association
Glendale Neighborhood Association
Hawthorne Neighborhood Association
Heritage Heights Community Association
Hiestand Neighborhood Association
High Crossing Neighborhood Association
Highland Manor Neighborhood Association
Lake Edge Neighborhood Association
Marquette Neighborhood Association
Mayfair Park Neighborhood Association
McClellan Park Neighborhood Association
Norman Acres Neighborhood Association
Reston Heights Neighborhood Association
Richmond Hills Homeowners Association
Ridgewood Neighborhood Association
Rolling Meadows Neighborhood Association
Schenk-Atwood-Starkweather-Yarhara Neighborhood Association
Sherman Terrace Condominum Association
Tenney-Lapham Neighborhood Association
Truax Neighborhood Association
Westchester Gardens Neighborhood Association
Worthington Park Neighborhood Association