General Real Estate News December 3, 2025

How To Find the Best Deals in Today’s Housing Market

🏡 How To Find the Best Deals in Today’s Housing Market

By Chris Nash – Century 21 Integrity Group, Jefferson, Wisconsin
📧 Email: cnash@sellzhomez.com
🌐 Website: https://www.century21integritygroup.com

If you want to stretch your dollar further in today’s housing market, here’s one of the smartest strategies savvy buyers are using right now:

Focus on homes that have been sitting on the market longer.

When a listing lingers, sellers tend to become more realistic—more flexible on price, more open to negotiation, and more motivated to make a deal. And that’s exactly where prepared buyers are saving thousands.

Let’s break down why these listings offer such big opportunity.


🔎 The Hidden Opportunity: Price Cuts Are More Common Than You Think

According to Realtor.com, 1 in every 5 homes (20.2%) on the market this year has had at least one price reduction. Even better?
This trend is consistent across nearly every region in the country.

What does that mean for you?

➡️ No matter where you’re looking in Jefferson County or the surrounding Wisconsin areas, deals are out there—if you know where to focus.

And that’s where having a knowledgeable local agent matters most.


🎯 The Smart Tactic: Target the Homes That Have Sat the Longest

A skilled agent—like Chris Nash with Century 21 Integrity Group—can identify the listings that have been on the market the longest. These are the homes where you’re most likely to secure:

  • Lower prices

  • Closing cost credits

  • Repair concessions

  • Home warranties

  • More favorable terms overall

Why? Because while newer listings get the most attention, older listings often get overlooked. That creates a unique opening for smart buyers.

As Realtor.com explains:

“Less competition means fewer bidding wars and more power to negotiate the extras that add up… These concessions can end up knocking thousands of dollars off the price of a home.”

Bankrate echoes the same idea:

“During the quieter fall and winter months, sellers may be more willing to lower prices or offer concessions to attract the remaining buyers.”


📉 The Longer a Home Sits, the More Negotiating Power You Have

Data from the National Association of Realtors (NAR) is clear:
Homes that stay on the market longer tend to sell for less compared to their original asking price.

Buyers who focus on these homes often gain the most leverage—because:

  • Sellers may be feeling pressure

  • Price reductions have already begun

  • You may be the only offer in sight

  • Sellers want to move on with their plans

This is where smart buyers find their best deals.


💰 Even a Small Discount Can Mean Big Savings

Paying even 94% of the original list price may sound minor, but on a median-priced home, that equals roughly $24,000 in savings.

As Zillow puts it:

“If you’re a buyer hoping to strike a deal, look for homes that have been on the market for a while… You may find a motivated seller who is more willing to negotiate.”

This strategy is especially effective in places like Jefferson, Fort Atkinson, Cambridge, Lake Mills, and surrounding communities—where inventory often varies and motivated sellers appear throughout the year.


✔️ Bottom Line

If you want to find the best deal possible in today’s real estate market, start by looking where other buyers aren’t.

With 1 in 5 sellers reducing prices and many becoming more flexible the longer their home sits, these listings could be your best opportunity to save money—and secure a home you love.

If you want help identifying the best opportunities in Jefferson County and the surrounding Wisconsin markets, I’d love to guide you.


📞 Contact Chris Nash – Century 21 Integrity Group

Email: cnash@sellzhomez.com
Website: https://www.century21integritygroup.com

Whether you’re buying your first home or negotiating your next investment, I’m here to help you find the best deal possible—today’s market has far more opportunity than you may think.

General Real Estate News December 1, 2025

3 Real Estate Trends Shaping the Market as We Head Into 2026

🏡 3 Real Estate Trends Shaping the Market as We Head Into 2026

Century 21 Integrity Group – Jefferson, WI

The real estate market has been through a whirlwind these past few years — high rates, low inventory, and hesitant buyers. But as 2025 closes out, the landscape is evolving in a way we haven’t seen in quite some time.

Momentum is quietly building.
Inventory is shifting.
And buyers and sellers across Jefferson, Fort Atkinson, Janesville, Oconomowoc, Watertown, and Reeseville are finally seeing new opportunities take shape.

Here are the three trends driving the next wave of movement as we head into 2026.


🔹 1. Buyers Are Gaining More Negotiation Power Again

For the first time in years, buyers have more leverage — and that’s a noticeable shift.

While prices remain relatively steady, homes are staying on the market a bit longer than they did during the peak frenzy. This is giving buyers something they haven’t had in a while:

✔ More time to schedule showings
✔ More ability to negotiate
✔ More homes to choose from
✔ Less pressure to waive contingencies

Across Southern Wisconsin, we’re seeing the pace slow just enough to give buyers breathing room without creating a downturn. That balance is exactly what a healthy market looks like.


🔹 2. Inventory Is Slowly Increasing — and That’s Good News for Everyone

Over the past two years, many homeowners stayed put rather than give up their low mortgage rate. But as rates trend gradually downward and life changes take priority again, we’re finally seeing more listings hit the market.

Local MLS data shows:
📈 More homes listed year-over-year
📈 More price adjustments
📈 More long-awaited move-ups and downsizes happening

This increase is especially noticeable in areas like Fort Atkinson, Jefferson, Watertown, and Janesville, where move-up buyers are beginning to re-enter the market.

More inventory = more balance.
More balance = healthier, steadier growth.

And a healthier market benefits both buyers and sellers.


🔹 3. Sellers Are Realizing 2026 Could Be a Stronger Year

While buyers gain leverage, sellers still hold strong opportunities — especially those listing updated, well-prepared, or strategically priced homes.

Here’s why sellers are feeling more confident:

✨ As rates ease, more buyers qualify
✨ More buyers are returning after waiting on the sidelines
✨ Well-priced homes are STILL selling quickly
✨ Millennials continue to be the largest buying cohort
✨ Local employers in Southern Wisconsin remain strong

Homeowners who list early in 2026 will likely benefit from a wave of pent-up demand resurfacing.

And in markets like Jefferson County — where lifestyle amenities, affordability, and rural-suburban appeal remain high — this creates a unique advantage.


🌟 Bottom Line

The market isn’t rushing.
It’s rebalancing.
And that’s exactly the kind of environment where smart, strategic buyers and sellers thrive.

If you’re planning a move in 2026, now is the perfect time to get clarity, understand your equity, and make your next move with confidence.

📩 Have questions or want a personalized market breakdown?
Email Chris Nash anytime at cnash@sellzhomez.com
Century 21 Integrity Group — Jefferson, WI
Serving Jefferson, Fort Atkinson, Oconomowoc, Janesville, Watertown, and Reeseville.

Real Estate Possibilities November 26, 2025

What’s New (Nov 2025): Real Estate Market Snapshot

🔍 What’s New (Nov 2025): Real Estate Market Snapshot

📈 Existing-Home Sales Are Picking Up

  • The National Association of REALTORS® (NAR) reports that U.S. existing-home sales rose 1.2% in October 2025, bringing the seasonally adjusted annual rate to 4.10 million units — the highest monthly pace since February. GlobeNewswire+2Finance & Commerce+2

  • That’s a 1.7% increase year-over-year. Finance & Commerce+1

  • Inventory also increased — total inventory hit 1.52 million homes, a 10.9% rise versus October 2024. GlobeNewswire+1

What this suggests: More homes on the market + rising sale closings = signs of life after a sluggish period.


🏦 Mortgage Rates Easing (Again)

  • New reporting from Freddie Mac shows the 30-year fixed mortgage rate sliding to 6.23%, down from 6.26% the prior week — providing a boost to affordability. AP News+1

  • Analysts tie this drop to a decline in long-term Treasury yields and shifting expectations around interest rates. AP News+1

Why it matters: Even modest rate relief can increase buying power — giving prospective buyers in places like Jefferson County a renewed opening.


✂️ Price Reductions & Buyer Leverage Are Rising

  • According to NAR’s 2026 outlook, many homes are seeing price cuts as listing times stretch: typical reductions range from ~5% (0–14 days on market) to ~13–14% for listings older than 120 days. National Association of REALTORS®+1

  • Builders are feeling the pressure too. As of November 2025, ≈ 41% of U.S. homebuilders report they’ve cut prices on new homes (average discount ~6%) to stimulate demand. MarketWatch+1

Implication: The advantage is shifting slightly toward buyers — especially those willing to negotiate or act while pricing is softening.


📉 Buyer Hesitation & “Rate-Shock” Hangover Still Lingers

  • Even with rate dips, many buyers remain cautious. Recent data from the brokerage community indicates that pending home-sale contracts have declined, with understandably conservative buyer behavior. Redfin+1

  • Economic uncertainty and affordability pressure continue to chill demand, especially in higher-priced or lower-income buyer segments. MarketWatch+1


🔮 2026 Forecast: Modest Rebound, Not a Boom — But Opportunity Persists


🏡 What This Means for Jefferson County, WI & Nearby Markets

Trend/Signal Local Impact & What to Watch
Sales + Inventory rising Increased activity may bring more options for buyers — also more competition for sellers to show standout value.
Lower mortgage rates (6.2–6.3%) Buyers with moderate budgets can afford more; affordability improves even if prices remain high.
Price reductions / builder discounts Negotiation leverage exists — long-time listings or new builds may offer better deals.
Buyer hesitation remains Motivation and readiness are key — price alone won’t guarantee a sale. Agents must manage expectations and vet buyers carefully.
2026 rebound forecast Good time for long-term planning — whether new purchase, resale, or investment, timing and strategy will matter more than ever.

🔑 Strategic Takeaways for Local Buyers, Sellers & Investors

✅ For Buyers:

  • Get pre-approved and monitor rates: 6.2–6.4% is far more manageable than last year’s peak.

  • Watch listings closely — with inventory relatively strong, good homes may stay on longer (negotiation window open).

  • Don’t wait for a “bargain basement” — price reductions are modest, but timing + readiness = advantage.

✅ For Sellers:

  • Price realistically from the start; be prepared for potential reductions or negotiations if your home lingers.

  • Stage and market strongly — when buyers have choices, presentation matters.

  • Use the 2026 rebound window — momentum seems to be building for next year.

✅ For Investors:

  • Look for discounted or new-build homes in your price range — builder incentives + price cuts = potential value.

  • Model conservatively: even if sales rise in 2026, expect moderate growth — don’t count on rapid flips.

  • Consider long-term holds in mid-size or undervalued communities — demand may gradually rise as affordability returns.


📩 How I Can Help You Navigate These Trends

If you’re in Jefferson, Fort Atkinson, Janesville, Watertown, Oconomowoc, or nearby — and you want a local, data-backed strategy for buying, selling, or investing — I’d be happy to run a custom market analysis for your ZIP code or neighborhood.

Contact: Century 21 Integrity Group
📧 integrity@sellzhomez.com
🌐 c21integritygroup.com

Let’s connect soon — timing and strategy will matter more than ever as we move into 2026

General Real Estate News November 24, 2025

Why Price Reductions Are Increasing — And What It Means for Buyers & Sellers in Jefferson County, WI

🏡 Why Price Reductions Are Increasing — And What It Means for Buyers & Sellers in Jefferson County, WI

By Chris Nash, Century 21 Integrity Group LLC – Jefferson, Wisconsin

Over the past several months, one trend has quietly grown across the U.S. real estate market — and it’s showing up right here in Jefferson County, Fort Atkinson, Janesville, Watertown, Oconomowoc, and Whitewater:

👉 More homes are seeing price reductions.

This doesn’t mean the market is crashing.
It means the market is normalizing — and for many people, that’s good news.

Let’s break down why this shift is happening, what it means for you, and how to navigate it strategically in 2025–2026.


🔍 Why Are More Homes Getting Price Reductions?

1. Affordability Pressures Are Influencing Buyer Behavior

High mortgage rates earlier in 2025 pushed many buyers to the sidelines. Even though rates have recently eased, affordability remains front-of-mind.

Buyers are still cautious.
They have more choices.
And they’re taking their time again.

Because of that, overpriced listings aren’t getting the immediate traffic they once did — and are reducing sooner.


2. Inventory Is Returning to More Normal Levels

According to national data, inventory is climbing back toward six-year highs.
Here in Jefferson County, we’re seeing the same pattern:

  • More active listings

  • Slightly longer days on market

  • More competition among sellers

As choices increase, buyers gain leverage — and sellers need to price more competitively.


3. Sellers Are Adjusting to a Post-Pandemic Market

During 2021–2023, sellers often priced aggressively and still received multiple offers.

That’s not the 2025 market.

Today’s sellers who price based on yesterday’s market end up reducing their price to stay competitive.
Price reductions are not a sign of weakness — they’re a sign of the market resetting to a healthier balance.


🏡 Is This Good or Bad for Buyers and Sellers?

✔ For Buyers: It’s a BIG Opportunity

Price reductions create several advantages:

  • More negotiating power

  • Less competition

  • Increased ability to request repairs or credits

  • A greater chance of securing the right home at the right price

And with mortgage rates trending downward, buyers can gain more long-term affordability.

This could be the most strategic window we’ve seen in years.


✔ For Sellers: Strategy Matters More Than Ever

This isn’t a “list high and see what happens” market.

Sellers who want strong results must:

  • Price realistically from day one

  • Prep the home for showings

  • Use professional marketing

  • Stay flexible based on feedback

A well-priced, well-presented home still sells quickly — especially in areas like Fort Atkinson, Jefferson, Janesville, Watertown, and Oconomowoc.

But the key is positioning.

That’s where a seasoned agent makes all the difference.


📉 Will Prices Continue Dropping?

Here’s the interesting part:

Even though price reductions are up, economists still forecast moderate price growth for 2026.

In other words:

👉 Prices are stabilizing — not collapsing.

Reductions simply reflect a more realistic, balanced market.


💡 What Should You Do Next?

If You’re Thinking About Buying:

This might be one of your best windows of opportunity:

  • More homes

  • Lower pressure

  • Better negotiating conditions

  • Slightly improved monthly payments

Let’s create a personalized home search strategy that fits your financial goals.


If You’re Considering Selling:

Don’t wait for the market to get more competitive.

Market conditions right now favor smart, well-prepared sellers.

I’ll help you:

  • Price accurately

  • Analyze competing homes nearby

  • Prepare your property

  • Maximize your net return

A strategic listing plan is essential — and I’m here to guide you through every step.


📲 Let’s Talk About Your 2026 Real Estate Strategy

Whether you’re planning to buy, sell, invest, or simply explore your options, let’s sit down and map out the best approach for today’s market.

👉 Century 21 Integrity Group
Century 21 Integrity Group LLC – Jefferson, WI
📧 integrity@sellzhomez.com
🌐 https://sellzhomez.com
📍 Serving Jefferson, Fort Atkinson, Janesville, Watertown, Oconomowoc, Whitewater, and all of Jefferson County

General Real Estate News November 21, 2025

Real Estate News Update: What Today’s Market Really Means for Wisconsin Homebuyers & Sellers

🏡 Real Estate News Update: What Today’s Market Really Means for Wisconsin Homebuyers & Sellers

By Reggie — Senior SEO Strategist for Century 21 Integrity Group LLC
#Jefferson

If you’ve been hearing mixed messages about the housing market lately, you’re not alone. From rising rates to low inventory to talk of new construction — buyers and sellers are wondering what’s really happening in Wisconsin real estate.

Let’s break it down in a clear, local, and practical way so you can make confident decisions whether you’re buying, selling, or planning your next move in Jefferson County, Fort Atkinson, and surrounding areas. 🏘️✨


📉 Are We Heading Toward a Housing Crash?

Short answer: No — not even close.

Unlike 2008, today’s market is built on strong lending standards, real demand, and historically low inventory. While Wisconsin has seen more new construction recently, it’s still nowhere near enough to meet buyer demand in Jefferson County and across the state.

👉 Bottom line: Home values remain stable, and demand continues to outpace supply.


🧱 What’s Driving New Construction in Wisconsin?

You may notice more “Coming Soon” and newly built subdivisions around Fort Atkinson, Jefferson, Lake Mills, and Milton. Builders are responding to:

✔️ Years of underbuilding
✔️ Population growth in key areas
✔️ Strong buyer demand for modern homes
✔️ Remote/hybrid workers moving into Wisconsin communities

Even with this increase, our region is still far from oversupply — especially in Jefferson County, where homes are selling quickly when priced well.


🏠 Good News for Homebuyers

If you’ve been waiting for more choices, new construction is helping:

🎉 More inventory
🎉 More customization options
🎉 Energy-efficient home features
🎉 Fewer bidding wars in certain areas

But don’t wait too long — affordability changes fast when rates shift.


🪑 Great News for Sellers

This market is still extremely favorable for sellers in Jefferson County:

🔥 Low inventory = High visibility
🔥 Homes priced right are selling fast
🔥 Demand remains steady
🔥 Many buyers are relocating from larger metro areas

If you’re thinking of selling in 2025, now is the time to plan early, prep strategically, and maximize your return.


📍 Local Insight from Chris Nash

With over 20 years of real estate experience right here in Jefferson, Fort Atkinson, and surrounding communities, Chris Nash understands exactly how local trends affect your home’s value and your buying power.

Whether you’re curious about today’s home prices, planning ahead, or ready to move — having a local expert by your side matters more than ever.


🛠️ Thinking of Buying, Selling, or Building?

Chris is here to guide you through every step with:

🔑 Local market expertise
🔑 Accurate home valuations
🔑 New construction guidance
🔑 Buyer/seller strategy
🔑 Transparent communication


📞 Ready to take the next step?

Visit the official Century 21 Integrity Group website:
👉 https://www.c21integritygroup.com

Email Chris directly with questions, valuations, or next-step planning:
📬 cnash@sellzhomez.com

Your goals. Your future. Your home.
Century 21 Integrity Group is here for YOU. 💛

General Real Estate News November 19, 2025

Is the Housing Market Quietly Rebounding? Here’s What’s Really Happening in 2025

🌟 Is the Housing Market Quietly Rebounding? Here’s What’s Really Happening in 2025

And What It Means for 2026 Buyers & Sellers in Jefferson County, WI

By Chris Nash, Broker | Century 21 Integrity Group – Jefferson, WI

After several years of elevated mortgage rates, affordability challenges, and hesitant buyers, the housing market is finally showing real signs of life again. Here in Jefferson, Fort Atkinson, Watertown, Janesville, Oconomowoc, Reeseville, and surrounding communities, momentum is building beneath the surface.

No, it’s not a boom.
No, it’s not 2021 all over again.

But it is the beginning of a shift — one that could set the stage for a stronger, more stable 2026.
Let’s break down the three major trends driving this comeback. ⬇️


1. 📉 Mortgage Rates Are Easing — and Buyers Are Noticing

Mortgage rates will always rise and fall with economic conditions, but the overall trend in 2025 has been encouraging:

👉 Rates have been gradually trending downward for most of the year.

We’ve now seen some of the best rates of 2025, which is improving affordability little by little.

According to Sam Khater, Chief Economist at Freddie Mac:

“On a median-priced home, this could allow a homebuyer to save thousands annually compared to earlier this year…” 💡

Even a small rate dip can mean big changes in purchasing power.
Redfin reports that a buyer with a $3,000 monthly budget can now afford about $25,000 more home than they could one year ago. 🏡💰

That boost is already pulling more buyers back into the market.


2. 🏠 More Homeowners Are Finally Ready to Sell

The “rate-lock effect” has kept millions of homeowners from moving. Trading a 3% mortgage for a 6–7% rate has understandably made many freeze in place.

But that’s shifting in 2025:

✨ Life changes are outweighing rate concerns
✨ Rates are easing enough for some to reconsider moving
✨ Inventory is building — and fast

According to Realtor.com, the number of active homes for sale has climbed to levels not seen in nearly six years. 📈

This is great news for the market:

✔ Buyers finally have more options
✔ Sellers face less competition than in a spring surge
✔ The market is gradually rebalancing

In Jefferson County and nearby areas, this increase in inventory is helping stabilize prices and improve opportunities on both sides of the transaction.


3. 🔄 Buyers Are Re-Entering the Market — Quietly but Steadily

It’s not just sellers waking up.

More buyers are dipping their toes back in, encouraged by:

📉 Better affordability
🏡 More inventory
🔁 Slightly improved rate environments

The Mortgage Bankers Association (MBA) reports that purchase applications are up year-over-year, signaling growing demand. 📊

And leading analysts — including economists from:

  • Fannie Mae

  • MBA

  • NAR

all forecast steady, moderate sales growth heading into 2026.

This isn’t a rush.
But it is a recovery.

And a stable recovery is exactly what our market needs.


📌 Bottom Line: The Housing Market Is Turning a Corner

After a slow few years, the market is finally moving in the right direction:

📉 Lower mortgage rates
🏡 More listings
👥 Increased buyer engagement

For anyone thinking about buying or selling in Jefferson, Fort Atkinson, Watertown, Janesville, Oconomowoc, Reeseville, or the surrounding Wisconsin areas, now is the time to start planning your next steps.

2026 is shaping up to be a much more active, opportunity-rich year.


📞 Ready to Talk Strategy for 2025–2026? Let’s Connect.

Whether you’re planning to move soon or simply want to understand your options, I’m here to guide you with clarity and confidence.

Contact Chris Nash, Broker — Century 21 Integrity Group

📍 Jefferson, Wisconsin
🌐 Website: https://johncuster.sites.c21.homes/
📧 Email: cnash@sellzhomez.com

General Real Estate News November 18, 2025

The Market Has Shifted — But It Hasn’t Slowed Down

🏡 The Market Has Shifted — But It Hasn’t Slowed Down

While the frenzy of 2021–2023 is behind us, the 2025 market is not “cold.” Instead, it is rebalancing:

✔ Mortgage Rates Are Stabilizing

  • 30-year fixed mortgage rates are holding around the low-to-mid 6s.

  • Stability is giving buyers confidence to re-enter the market.

  • Sellers are adjusting pricing more realistically based on comps, not pandemic-era boom pricing.

✔ Inventory Is Slowly Rising

Across the Midwest, new active listings have increased modestly, giving buyers more selection than in the last five years. Jefferson County is seeing a similar trend, especially:

  • Fort Atkinson (steady rise in mid-range family homes)

  • Janesville (more move-in ready properties hitting the market)

  • Oconomowoc (continued strong demand but inventory trickling up)

  • Watertown & Reeseville (increasing options for first-time buyers)

But let’s be clear:
This is not a buyer’s market.
It’s a more balanced market — which is actually the healthiest environment for long-term homeowners.

✔ Pricing Is Normalizing

Prices are no longer skyrocketing month-over-month, but year-over-year appreciation remains positive across Wisconsin. Sellers who price correctly can still earn strong returns.


📊 Local Insight: What We’re Seeing Across Jefferson County & the Surrounding Cities

Fort Atkinson

Still one of the most desirable small communities in Southeast Wisconsin, Fort Atkinson attracts families, retirees, and investors alike. Homes under $450K remain in higher demand, with homes priced correctly selling within 2–4 weeks.

Janesville

Janesville’s inventory increase is notable — buyers finally have choices again. Investors are quietly returning as rental demand remains strong.

Oconomowoc

One of the hottest lake-adjacent areas in SE Wisconsin continues to see demand from higher-income buyers. Homes that are updated and well-presented still receive multiple offers.

Watertown

Homes priced under $375K remain the sweet spot, with many first-time buyers competing.

Reeseville

A growing destination for value-focused buyers looking for larger lots and lower prices within a commutable distance to larger cities.


🛠 What Buyers Should Do Right Now

1. Lock In Your Rate Before Seasonal Increases

Mortgage analysts expect slight upward pressure going into Q1 2026.

2. Don’t Wait for a “Price Drop” That Isn’t Coming

Prices are flattening… not falling. Buying now may be cheaper than buying next year once rates shift.

3. Shop Beyond One City

Flexibility = opportunity.
Fort Atkinson + Janesville + Watertown + Reeseville give buyers meaningful options and price ranges.

4. Be Ready to Negotiate

Sellers aren’t giving homes away, but strategic negotiation is finally back on the table.


🏠 What Sellers Should Do Right Now

1. Price Strategically

Your list price should reflect:

  • current inventory

  • local comps

  • buyer demand in your city

  • condition & updates

Overpricing right now does more harm than good.

2. Prepare Your Home Properly

Staging and light cosmetic upgrades directly increase:

  • showing traffic

  • perceived value

  • offer strength

  • time on market (shorter!)

3. Market Aggressively

Professional marketing is no longer optional — it’s a competitive edge.

4. Don’t Fear the Shift

A balanced market is healthy.
Sellers who adapt quickly are performing extremely well.


💼 What Investors Need To Know in 2025

Rental demand across Jefferson County and Southeast Wisconsin remains strong, driven by:

  • delayed first-time buyers

  • job growth

  • increased migration to smaller Midwest communities

2025 is shaping up to be a buy-and-hold investor’s dream, especially in Watertown, Reeseville, and Janesville where rental yields outrun mortgage costs.


🔍 Final Takeaway: 2025 Is a Market for the Prepared

Whether you’re buying, selling, or investing, opportunity is everywhere — but only for those who approach this market with the right strategy and an experienced local advisor guiding the process.

If you’re considering a move in Fort Atkinson, Jefferson County, Janesville, Oconomowoc, Watertown, or Reeseville, make your next step a strategic one.


📞 Work With a Local Expert

This blog supports driving traffic to:

👉 John Custer — Century 21 Integrity Group
🌐 https://johncuster.sites.c21.homes/
📧 integrity@sellzhomez.com

Whether you’re exploring the market, planning to list, or want to get ahead of trends—John is your resource for accurate, local, and strategic guidance in 2025.

General Real Estate News November 13, 2025

Are Builders Overdoing It? Why Today’s New Construction Boom Isn’t Another 2008

🏗️ Are Builders Overdoing It? Why Today’s New Construction Boom Isn’t Another 2008

If it feels like you’re seeing new construction signs pop up everywhere around Fort Atkinson and Jefferson County, you’re not imagining it. Builders have been busy! But if that makes you wonder whether we’re headed toward another housing bubble like 2008 — don’t worry.

The reality is, today’s market looks very different. In fact, the latest data shows builders are tapping the brakes, not flooring the gas pedal. 🚦


📉 Builders Are Pulling Back, Not Piling On

One of the best early indicators of future housing supply is building permits — basically, applications to start new construction. And right now, those permits are trending down, not up.

That’s important because before the 2008 housing crash, builders dramatically ramped up single-family home construction. The result? Too many homes, not enough buyers, and a steep drop in prices.

But today, builders are being far more cautious. The National Association of Home Builders (NAHB) reports that single-family building permits have declined for eight consecutive months. Instead of flooding the market, they’re adjusting to real-time conditions to keep things balanced.


⚙️ The Slowdown Is Smart — Not Random

Today’s builders are carefully responding to what they see in the market. They’re working through existing projects and being more selective about what comes next.

As Ali Wolf, Chief Economist at Zonda, explains:

“Builders are still working through their backlog of inventory but are more cautious with new starts.”

That’s a huge difference from 2008. Back then, overconfidence led to overbuilding even as buyer demand fell. This time, builders are protecting stability by pacing their projects and staying flexible.


🌎 What’s Happening Regionally

Even though every local market is unique, the trend is clear almost everywhere: permits are down nationwide, with only one region showing a minimal uptick.

Here in Wisconsin, that means buyers may notice more options than in previous years — but we’re still far from oversupply. Builders are striking a healthy balance between meeting demand and avoiding excess inventory.


🏠 Why This Isn’t 2008 All Over Again

Before the 2008 crash, builders kept building even after demand disappeared. This time around, they’re slowing down before things get out of balance.

The truth is, the U.S. housing market has been underbuilt for more than a decade. We still need more homes — especially affordable single-family homes. So even though you’re seeing more “For Sale” signs and new subdivisions around Fort Atkinson, Jefferson, and surrounding areas, it’s a sign of a healthy correction, not an oversupply.

Builders are being intentional, buyers have more options, and the market is stabilizing naturally. 🏡


✅ Bottom Line

Seeing more new homes for sale doesn’t mean we’re heading for another crash. With permits declining steadily, this isn’t an out-of-control building boom — it’s a measured recovery.

If you’re curious about how today’s market trends could affect your plans to buy or sell a home, reach out to your local real estate expert, Chris Nash at Century 21 Integrity Group. With decades of experience and a deep understanding of Wisconsin’s housing market, Chris can help you make confident, well-informed decisions.

📞 Contact Chris Nash today:
📧 Email: cnash@sellzhomez.com
🌐 Website: www.century21integritygroup.com

General Real Estate News November 11, 2025

What Credit Score Do You Need to Buy a House?

What Credit Score Do You Need to Buy a House? 🏡

If you’re thinking about buying a home, one of the first questions you might ask is: What credit score do I need to qualify for a mortgage? The answer depends on the type of loan, your overall financial profile, and the rates you want to secure.

With the right guidance from a local real estate expert like Chris Nash with Century 21, you can navigate your options and find a path to homeownership, even if your credit isn’t perfect.


Minimum and Ideal Credit Scores

For most conventional mortgages, you’ll typically need a minimum credit score of 620. However, to get the best rates and more loan options, you should aim for a score of 700 or higher.

Even if your credit score is below 620, there are options. Government-backed loans and special programs exist that can help buyers with lower scores qualify.

Here’s a general breakdown of credit scores and home loan options:

Credit Score Range Home Loan Options Things to Consider
500–579 FHA (10% down) High mortgage insurance, fewer options
580–619 FHA, sometimes USDA and VA Flexible financing, modest rates
620–659 Conventional, FHA, VA Good approval odds, decent rates
660–699 Conventional Better rates, stronger lender options
700+ All loan types Best rates, most flexibility

Credit scores range from 300 to 850. Scores 670+ are generally considered good to excellent, 580–669 fair, and below 580 poor.


How Credit Scores Affect Mortgage Interest Rates

Your credit score impacts your interest rate, though sometimes the difference is smaller than expected. For example:

  • A 30-year conventional mortgage at a 620 credit score averages around 7.89% interest.

  • The same loan with an 840 credit score might average 7.07%.

Even a small difference in interest rates can add up over time. On a $425,000 home with 20% down:

  • At 7.07%, total interest ≈ $480,093

  • At 7.89%, total interest ≈ $548,760

That’s a difference of over $68,000 over the life of the loan.


Other Factors Lenders Consider

Credit score is just one piece of the puzzle. Mortgage lenders also evaluate:

  • Debt-to-Income Ratio (DTI): Conventional loans generally prefer a DTI under 43%, with the best rates under 36%. FHA loans may allow up to 50%.

  • Down Payment: Most conventional loans require at least 3% down, while some government-backed programs may offer zero down. Larger down payments can secure better rates.

  • Income: Lenders need proof you can afford the home, even if there’s no strict minimum for conventional loans.


Buying a Home with a Low Credit Score

If your credit score is under 620, your options are more limited but still achievable:

FHA Loans

  • Government-backed, ideal for first-time buyers or those with past credit challenges.

  • Minimum credit score: 500

  • Down payment: 10% for scores 500–579, 3.5% for 580+

VA Loans

  • No government-mandated minimum, but most lenders prefer 620+

  • Benefits: no down payment, no private mortgage insurance, and capped lender fees

Rent-to-Own

  • Some programs allow credit scores as low as 500

  • Rent while building credit, then have the option to purchase

  • Watch for higher rents and fees if you don’t buy


How to Raise Your Credit Score Before Buying

Increasing your credit score can save you thousands and expand your loan options. Consider these steps:

  1. Reduce credit card balances – Keep utilization below 30%.

  2. Avoid opening unnecessary accounts – Too many hard inquiries can lower your score.

  3. Check your credit report for errors – Dispute any inaccuracies.

  4. Pay on time – Prioritize consistent, on-time payments.

  5. Create a debt repayment plan – Budget to pay down debt steadily.


Bottom Line

Your credit score plays a key role in mortgage approval and interest rates, but it’s only one factor. Even buyers with lower scores can often qualify through FHA, VA, or other programs. Improving your credit before buying can save you money and open more loan options.

If you’re ready to take the next step toward homeownership, working with a local expert like Chris Nash with Century 21 ensures you understand your options, get prepped for the right loan, and make informed decisions every step of the way.

📞 Contact Chris Nash today for expert guidance:
Email: cnash@sellzhomez.com

General Real Estate News November 10, 2025

How a Government Shutdown Impacts the Housing Market — And What It Means for You

🏡 How a Government Shutdown Impacts the Housing Market — And What It Means for You

You may have seen headlines about a government shutdown and wondered: Is the housing market grinding to a halt? 🤔

The short answer: No.

The housing market doesn’t stop. Homes are still being bought and sold, contracts are still being signed, and closings are still happening. While some parts of the process may experience slight delays, the overall market continues to function—and a trusted local expert like Chris Nash with Century 21 Real Estate can help you navigate it smoothly.


⚡ What Typically Happens During a Government Shutdown

When the federal government shuts down, some agencies temporarily close or scale back operations. This can cause minor hiccups in real estate transactions, especially for government-backed loans and insurance:

  • FHA, VA, and USDA Loans: These account for about a quarter of all mortgage applications. Agency furloughs can cause processing delays.

“Applicants for FHA, VA, or USDA loans… may encounter significant processing delays due to agency furloughs.” – Selma Hepp, Chief Economist at Cotality

  • Mortgage Closings: Zillow estimates that more than 2,500 mortgage originations per working day could be delayed during a shutdown.

  • Flood Insurance Approvals: The National Flood Insurance Program may pause approvals, which can slow closings in flood zones. 🌊

Even with these challenges, most real estate transactions continue. Buyers keep buying, sellers keep selling, and agents like Chris Nash keep guiding clients through the process.


📈 The Housing Market Usually Bounces Back Fast

History shows that short-term slowdowns from a government shutdown are temporary. During the 35-day shutdown at the end of 2018:

  • Existing home sales dipped slightly

  • Sales rebounded quickly once the government reopened

Data from the National Association of Realtors (NAR) shows that delayed closings worked their way through the system, and the market recovered without long-term impact.

What this means: Even if your transaction experiences a minor delay, it’s usually a short-term blip—not a deal breaker.


🏠 What This Means for Buyers and Sellers

If you’re currently buying or selling a home, don’t panic. Most deals move forward, even if it takes a few extra days.

“If you’re expecting to close in a week or a month, there could be some slight delay, but for most people, it’s probably going to be a blip more than a real deal killer.” – Jeff Ostrowski, Housing Market Analyst at Bankrate

If you’re just starting your home search, this situation could even work in your favor:

  • Less Competition: Some buyers and sellers may pause during uncertain times

  • More Negotiation Power: Motivated sellers may be more flexible 💪

  • Opportunity for Well-Prepared Buyers: Brief slowdowns can create windows to act strategically

With guidance from a local expert like Chris Nash at Century 21, you can navigate these shifts confidently and find the right home—or the right buyer—without unnecessary stress.


✅ Bottom Line

A government shutdown may cause short-term delays, but it does not derail the housing market. History shows the market rebounds quickly, and opportunities still exist for buyers and sellers alike.

If you’re unsure how a shutdown might affect your plans, or want expert guidance on timing your move, reach out to Chris Nash with Century 21 Real Estate. With local expertise and real-time market insights, Chris can help you navigate any uncertainty and make confident decisions.

📞 Contact Chris Nash today:
Email: cnash@sellzhomez.com