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Welcome! Here You Can Find Great Information on La Crosse, La Crosse County, Onalaska and Holmen, Wisconsin and Houston & Winona Counties in Minnesota Real Estate. Whether you're selling or buying, Judy Gull will provide you with the very best in real estate counsel and service!  |  | | Mississippi River Valley | |
 Selling a home? It doesn't matter whether it's a 'Buyer's Market' or a 'Seller's Market', there is always fierce competition among the houses on the market for those ever-so-few qualified buyers who are out looking. Sellers need an aggressive, effective Marketing Expert to direct those buyers to their property in order to get their property SOLD at their price and terms. That's why Judy Gull is the overwhelming choice for people who want to get moving in La Crosse, Onalaska, Holmen and the rest of La Crosse County and Houston County in Minnesota. Looking to buy a home? How exciting! Buying a home should be a fun adventure but it can be confusing at times with all of the options and decisions to be made. Judy Gull provides the very best in real estate counsel and service with an intimate knowledge of the homes available or coming available, financing, and all the other details necessary to get to 'moving day' Her buyer clients benefit from Judy's excellent negotiation skills that give them a decided advantage in the marketplace. If you're just starting to do some initial research in the home-buying process or prefer to have home listings automatically emailed to you, please email Judy your specific criteria. You will automatically receive via email information on homes meeting your needs as they hit the market. There's no cost or obligation for this service! You'll never have to worry about missing your dream home or bother with the many confusing and incomplete real estate sites. When you want to see a property or need more information, all you have to do is 'click' reply to email Judy or call directly at 608-781-7714 and she'll jump into action. Her Buyer Clients just love this service! During both the selling and buying process, you are ensured that from start to finish you will enjoy the experience while being fully communicated with and professionally serviced along the way. Contact Judy with confidence! She’ll guarantee your privacy will be respected. And she offers the services on this site for free and without obligation. Why? Judy Gull wants to be YOUR real estate agent. As your trusted, professional real estate partner, she will help you find the best home in your area within your price range. And together she will sell your home, for as much as the market will bear, and as quickly as possible. Buying and selling a home is one of the biggest events of your life. Make it a great and stress-free experience by working with the very best in real estate. Call Judy Gull at 608-781-7714. 
Financing Your Home >Watch Your ARMs Length
Most buyers know that first-year interest on Adjustable Rate Mortgages (ARMs) is typically lower than the interest on available fixed-rate mortgages. This makes ARMs easier to qualify for, but also requires that borrowers have some understanding about how such loans work, because there are significant details associated with the low first-year rate.
First, check to see how long the low rates offered on the ARM are guaranteed. After that period of time, the rates can go up two points a year to a typical rate cap of six points over the life of the loan. Lenders will usually require borrowers to qualify for a mortgage loan that is several percentage points above the actual initial rate charged on the ARM. This is intended to keep borrowers from becoming overburdened by debt. Some lenders may charge special fees or caps which can increase the cost of the loan. If you think that an ARM may work for you, it is a good idea to shop around.
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| Q |
What kind of home construction is considered to be the safest in seismic areas?
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Straw-bale homes in seismic zones have proven resilient enough to withstand the shock of earthquakes. |
See More Real Estate Trivia > |
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