- 608-825-7552 ext 1006
- 4274 E Towne Blvd Suite 206
Madison, WI 53704
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· First Time Home Buyers
· Buyer Representative
Land / Acreage
· Single Family
· Investment properties
· Short Sale
TOP FIVE REASONS TO BUY A HOME NOW...
1. Interest Rates Are Still Low
Mortgage interest rates are still low—for now.
A 30-year-fixed-rate loan now averages 4.16%, according to Freddie Mac, but many economists believe we will see 5% rates next year. As interest rates increase, so do your monthly payments.
A $300,000 house at 4.16% with 20% down would have a monthly payment of $1,168. With a 5% interest rate, that payment increases to $1,288.
2. There’s More Inventory
As more houses enter the for sale market, prices stabilize. “Inventories are at their highest level in over a year, and price gains have slowed to much more welcoming levels,” said Lawrence Yun, Chief Economist at the National Association of REALTORS®.The upside is consumers now have more choices, if they are looking at existing homes.New homes are another story: Yun says new construction needs to double its current production to meet market demand.
3. Home Prices Are Going Up
Home prices are rising.The median price of an existing home was $223,300 in June, or 4.3% higher than June 2013. That’s the 28th consecutive month of year-over-year price gains, and economists expect that trend to continue. However, we are still at least 20% off the peak prices of 2006.
“Attempting to buy a home when the market is at its lowest point—or to sell at the peak—is tricky,” said Jonathan Smoke, Chief Economist for realtor.com®.
He compares it to trying to time the stock market.
“You might get lucky one or two times, but overall, timing the market does not work,” Smoke added. “It all points to purchasing power, and that’s a reflection of price and interest rates, which will both be higher in the future.”
4. Rents Are Sky-High
If you live in a big city, then you know rent is astronomical. In San Francisco, many people are spending 42% of their monthly income to pay the rent. Nationwide, rents are rising at a 4% annual clip.It’s not unusual to see adults rooming together in expensive cities like New York, San Francisco and Chicago, but everyone needs his or her own space at some point.
Buying a home would lock in your monthly payment and stabilize your finances with a fixed-rate mortgage. This is, of course, assuming you don’t live the San Francisco area, where the average price of a home is $1 million.
(If you’re renting and never thought you could afford to buy a house, try our Rent vs. Buy calculator to see what’s possible.)
5. Employment on the Rise
Perhaps nothing is as important to the financial stability you need to buy a home as steady employment. The U.S. economy is finally adding jobs—about 200,000 new jobs per month.
The next generation of home buyers—the Millennials—has been particularly affected by the nation’s job slump. Saddled with student loans and tight lending restrictions, many in this generation have been living with their parents to save money until the economy picks up.
If your employment prospects look good these days and the other four factors check out, then it may indeed be the right time for you to buy a home of your own.
Why You Should Use a REALTOR to Buy or Sell...
Real estate is a big deal. For most Americans, a home is the most expensive purchase they’ll make in their lifetime. It’s a serious transaction with significant financial and emotional ramifications for the parties involved, and having proper representation is critical.
Fiduciary responsibility. When you work with a Realtor®, their fiduciary responsibility is to you. That means you have an expert who is looking out for your best financial interests, an expert who’s contractually bound to do everything in their power to protect you. That’s big — the value of that commitment cannot be overstated. “For more than 100 years, Realtors® have subscribed to the NAR’s strict Code of Ethics as a condition of membership,” says National Association of Realtors® President Gary Thomas. “Realtors® have the expertise and experience to help sellers protect their investment and help buyers build theirs.”
Complex, ever-changing real estate regulations. Buying or selling a home is not like purchasing a plane ticket. Every home is different, and laws change every year and vary from state to state. Generally speaking, people purchase a new home every 7-10 years, and a lot can — and usually does — change between transactions. Realtors® are immersed in real estate, and they must stay current with all the updates in regulations, laws, contracts and practices. Once you retain your Realtor®, they put that knowledge to work for you.
Help finding the right home, beyond square footage and baths. Browsing online is a terrific way to start a home search — in fact, almost 90 percent of people start their home search online.1 But when it’s time to buy, knowing all the pros and cons of a property can help you make the right decision. Realtors® live and breathe real estate, and they can share information about a home that you wouldn’t otherwise know. For example, they can tell you about the perils of polybutylene piping (a plumbing material that’s prone to bursting), or the concerns with FRT plywood (a roofing material that can spontaneously combust in higher temperatures, like those in attics). Your Realtor® can go beyond the aesthetics and tell you important details about homes you’re considering.
Pricing and selling a home. There are lots of sites where you can view price estimates for your home before you list it for sale, but you take a risk using them. In some markets, online estimates can be off by as much as 35 percent, and they often rely on tax records and data that can be as old as 6-12 months. Realtors® know the local market, have access to the freshest sale data, and can price your house in line with the market to maximize your earnings. In 2012, sellers using an agent got $40,100 more: The median sale price for the 88 percent of sellers who worked with an agent was $215,000, versus a median sale price of $174,900 for the 9 percent of sellers who didn’t use an agent.1
Contracts and negotiations. Finding the right home is the fun part. Then the real work begins.: Today’s contracts can be 50 pages long — not counting addendums and riders. Realtors® can help you navigate these complex documents and craft an attractive offer that makes sense for you. Plus, when it comes to negotiation, your Realtor® is your advocate and can bring an objective voice to a very subjective situation.
Following a code of ethics. When you work with a Realtor®, you’re partnering with a professional who operates according to a strict code of ethics. In place for over 100 years, the Realtor® Code of Ethics ensures that consumers who work with a Realtor® are treated professionally and ethically in all transaction-related matters.1National Association of REALTORS® 2012 Survey of Home Buyers and Sellers.
Licenses and Memberships:
Wisconsin Real Estate Salesperson Licensee
National Association of Realtors
Wisconsin Realtor Association
Realtor Association of South Central Wisconsin
South Central Wisconsin Multiple Listing Services
Welcome to my Website
Darin Kubly is a realtor for Century 21 affiliated working out of the Sun Prairie office. Darin’s specialty is Dane county, as he grew up in south central Wisconsin. He graduated from college in 1998 from University of Wisconsin Eau Claire and received his masters degree in 2004 from Virterbo University in La Crosse Wisconsin.
Darin is also an educator and is well-known and trusted in the community. Being an educator gives his clients
confidence in working with someone they can count on and trust from start to finish.
Darin is ready to sell or buy a new home for you! He has a team of experts including:
- a licensed Realtor
- a home stager
- a photographer
His team will ensure your home is presented in the best way possible! Darin uses his expertise and knowledge to provide his clients
with the best service possible. You will appreciate his attention to detail on every transaction and his continuous communication throughout the home buying/selling process with his clients.
Don’t wait, contact Darin today!
I grew up in South Central Wisconsin and know the area very well. I went to high school at Madison Memorial, class of 1992. I attended the University of Wisconsin Eau Claire
I have been a public high school Spanish teacher for 16. I hold a Master's Degree in Secondary Education. I also hold a degree in Psychology as well as Teaching English as a Second Language. I carry that philosophy of Education into my real estate career, making sure that my clients are well informed every step of the way.
- Continuing education for Realtors
- Buyer's Agent
- Listing Agent
- Spanish Teaching
- Adult Education