Courtesy of
Mike Zingler
715-524-2508 (Office)
715-851-3637 (Cellular)


New 3-day home loan rules for buyers
Everyone getting a home loan now gets three days to review mortgage closing documents before they have to sign on the dotted line. This new rule, dubbed "Know Before You Owe," is part of what the mortgage industry calls TRID – or the new TILA RESPA Integrated Disclosures.

It means that if you are buying or refinancing a home, you'll receive your new, easier-to-use closing document – called the Closing Disclosure – three business days before closing. It's designed to give you more time to understand mortgage terms and costs so that you "know before you owe."

According to the U.S. Consumer Financial Protection Bureau, by requiring your lender to provide Closing Disclosure before you sign, surprises should be eliminated from the closing table. Also, if you want to talk to your lawyer or someone else for advice, you will have time to ask all the questions you might have about the terms of your mortgage.

The CFPB publishes a comprehensive website about all the new "Know Before You Owe" rules at
What's the biggest mistake a first-time home seller makes?
If you've never sold a home before, it can be a daunting process. On weeknights and weekend, you'll most likely find yourself anywhere but your own home, allowing potential buyers to see your place in person. That can be quite a time commitment. It takes an average of 40 to 60 days to sell a home, says the National Association of Realtors.  

To make it worth the journey, you need to avoid making the biggest mistake that many first-time home sellers make: Mispricing their homes. If you price too low, you are leaving "money on the table." If you price too high, you'll likely miss a faster sale and have to lower your price anyway. 

Get professional help. This is what real estate agents do every day: Help buyers understand what is happening with the market, what homes are selling for, and why they sold. Ultimately, the seller sets the price, but getting expert counsel helps you avoid making mistakes.
New to the Market
1035 S Andrews St,, Shawano,, WI 54166
3 Bedrooms  |  2 Bathrooms  |  1,434 Square Feet  |  Listing ID 50175497
One Owner 3 Bedroom Ranch! Newer Siding & Roof, 2 Bathrooms, 12’ x 31’ Rec Room. First Time on the Market in 62 years! Features attached 1 Car Garage, Breezeway, Patio, Nice Back Yard with Alley Access, Nice Neighborhood, Close to Schools, Park & EZ Access to Hwy 29. There is Plenty of Storage, Natural Gas Heat, Central Air & Newer Electric Water Heater. Call Now to Make An Appointment. Don’t let this one slip away!

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Winter prep for a summer sale
If you're thinking about selling your home after school is over and summer begins, you can save time by starting prep during the winter. Here are a few easy ideas that can help make a great first impression:

Focus on the front door: Fresh paint for the front porch and even a new door can brighten your entry. For a finishing touch, add a brand-new welcome mat and change out your door hardware for something shiny and unscratched.

Kitchen and bath refreshes: Change out the drawer knobs and handles, and get organizers for the drawers. New toilet seats are crucial.

New entryway lights: Designers say that proper lighting can help put buyers in a good mood. The entry is where their first impressions begin, so that's the perfect place to start.
Mike Zingler

RE/MAX North Winds Realty
106 S. Franklin St., Shawano, WI 54166
Each office independently owned and operated.
©2018 Imprev, Inc. Pub 1/18