- 608-825-7552 ext 1008
- 4274 E Towne Blvd Suite 206
Madison, WI 53704
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Welcome to Holly Lutz's Website
I have been a Madison/Sun Prairie resident since 1993 and I have over 18 years of sales, marketing and customer service experience. I bring a strong business background and professionalism to Century 21 Affiliated. With my commitment and dedication I look forward to providing excellent professional services to all my clients. I have also proudly built a reputation in Interior design.
- Wisconsin Real Estate Salesperson License
- National Association of Realtors
- Wisconsin Realtors Association
- Realtors Association of South Central Wisconsin
- South Central Wisconsin Multiple Listing Services
First Time Homebuyers
Homebuilders and Lots
Whether you are selling or buying a home my goal is to help you achieve your Real Estate goals.
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.
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.
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. 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.
How to Choose the Right Mortgage Company
Get Mortgage Company Referrals
Applying for a pre-approval online can help save time and make it easier to get the best rate, but before you decide on a lender, ask for referrals.
Friends, family and coworkers who own their homes can be a great source of information.
You can also ask a REALTOR® for a list of preferred lenders.
Small Versus Large Lenders
Choosing between a small local lender or a larger national lender is mostly a matter of preference, but knowing which you’d prefer can help you find the right deal for your situation.
If you like personal service, and enjoy the face-to-face contact, it may make sense to choose a small mortgage lender in your local area.
If you don’t have much time to waste and seek a well-organized lender, having a larger lender may be the choice for you. Also, a large lender may have more payment options such as online payment or automatic mortgage deduction.
Mortgage Company Reputation
Generally, a good lender will have a solid reputation with accreditation and reviews to back it up. To figure out where your lender stands, start by doing this research yourself:
§ Check with the Better Business Bureau for ratings, reviews and complaints against the mortgage company.
§ Look for a posted mission statement or customer service rewards on the lender’s website.
§ Verify the lender’s standing with the local Chamber of Commerce.
§ Check review sites for both negative and positive reviews of the mortgage company.
Mortgage Company Customer Service
Finding a lender with great customer service can make things easier, especially if you have questions about the application or terms—or find yourself needing help with your mortgage down the line.
Test the lender’s customer service skills by calling with a few simple questions about the application or the lending process. After you talk with a representative, ask yourself these questions:
§ Did the lender seem knowledgeable?
§ Did you wait on hold for a long time?
§ Was the lender helpful?
§ Did you feel rushed?
Remember, first impression can be very telling in the business world, and buying a home is a big financial commitment—so you should expect to be treated well by your mortgage company.
Good Faith Estimate
Once you’ve narrowed down your choice to three or four lenders, ask for a good faith estimate: a detailed list of costs provided by a bank or mortgage lender to a borrower, required by law. The costs listed include the following:
§ Settlement or closing costs
§ Title insurance
§ Attorney fees
§ Partial month interest
§ Credit check costs
§ Hazard and property insurance rates
While these are only estimate and may vary slightly from your actual costs, you can use your good faith estimate as a tool to help you chose the most reasonable lender.
by Susan Wellish
My passion is Real Estate and working with the public. I enjoy helping others fulfill their dreams. With my commitment and dedication I promise to provide excellent professional services to all my clients. With my strong buisness background and professionalism I will represent my clients best interest throughout their entire Real Estate Transaction.
- First Time Home Buyer seminars
- Buyer Representative
- Property Management
- Listing specialist
- Single Family
- Investment properties
- Short Sale
- Buying/selling negotiator
I have two beautiful daughters Montana and Arabella along with our puppies Zack and Cody.
- Marketing Associate Degree
- Insurance Associate Degree