When you're in the market to buy a Madison or Sun Prairie home, or real estate anywhere in Dane County Wisconsin, you need a REALTOR® who will produce results. Whether you're building a new home, relocating to Madison, or simply moving within Dane County, you need  professionals with years of practice experience to help you find the perfect property, the right home or the best mortgage rate.

Buying a home is one of the biggest financial transactions many families will make.  The Lukens Home Team gets it done right for Madison, Sun Prairie or Dane County Wisconsin home buyers! 

Choosing a Representative
Communication is the key for a good relationship with your representative. You must feel comfortable that he or she understands your needs, desires and requirements. If you choose to enter into a buyer's agent relationship, your agent will provide the negotiating strategies, purchasing advice and other services to save you time. Your agent will help you buy a home at the best price, under the most favorable terms.

Determining your Price Range
Your agent will help you find the right home at the right price. To do this, your agent will ask many questions about your income, assets and debts. This information is used to identify your maximum monthly house payment, and therefore, your price range. Whether it's your first home, or your fifth home, your agent can help you maximize your buying power by providing information and advice on home financing alternatives.

Finding your home
Be sure to share those home features you absolutely cannot live without, and those you are flexible on with your agent--it will make finding your perfect home easier, and more enjoyable! Make sure he or she understands why you prefer a particular neighborhood or location. Express your preferences for style of home, features like a fireplace or hobby room that you must have? The more information your agent has about your wants and needs, the faster you'll find your perfect home.

Obtaining a Mortgage
Home buyers are often surprised at the variety of mortgages to choose from. There is a mortgage to fit nearly budget. Your representative or agent has access to information on conventional, local and federal loan programs, as well as valuable personal relationships with lenders in your area. He or she can help identify the right financing program for your home.

Offer to Purchase Contract
When you find your perfect home, your agent can offer valuable advice for writing your Offer to Purchase contract. They can help you in determining the price you offer, any contingencies, such as making the transaction dependent upon the sale of your current home, or obtaining a mortgage with a specific interest rate. Wisconsin real estate law is complex, and contracts are legally binding documents. Your agent's experience and knowledge provides many advantages as you consider your options in writing this contract and ensures that your legal obligations are properly fulfilled.

Home Inspections
It is likely that you will include a home inspection clause in your Offer to Purchase. A home inspection uses the knowledge of an expert to make sure the house is structurally sound, its systems function properly and its appliances are in working order. A professional home inspection ensures that you are getting a quality home for the right price. If any defects, problems or concerns with the property are identified during the home inspection, your agent can help you develop remedies for them in your Offer to Purchase.

Appraisals
Most financial institutions will require a property appraisal before they commit to providing a mortgage to a home buyer. The appraisal determines an objective value of a particular property, based on its comparison to recently sold, "comparable" properties in your home's neighborhood. The appraiser will adjust the value up or down based on factors such as the condition of the property, lot size, number of bedrooms, bathrooms or unique features. This value then becomes the maximum amount a lender will extend in a mortgage. If your home is appraised far below its agreed-to purchase price, the buyer will be responsible for that difference.