Operation Gratitude

 Imagine Home Lending is a proud partner of Operation Gratitude. Being sweet to our military is so important to us.

Imagine Home Lending is a proud partner of Operation Gratitude. Being sweet to our military is so important to us.

This year, Imagine Home Lending is a drop off location for your extra Halloween candy!

Here’s how operation gratitude works: your kids go trick or treating, allow them to indulge a bit in their collections, then any day before November 8th, drop off their leftovers at the Onalaska branch of Imagine Home Lending.

We’re located at

1037 Riders Club Road,

Onalaska, WI, 54650.

We’re just behind the Onalaska Menards.

We’re always looking for ways to give back to our service members. Imagine Home Lending offers programs for active and retired military such as Homes For Heroes and VA Loans that offer special rebates, discounts and rates for military. We believe that service deserves it’s rewards.

Help us send a little sweetness to our service members this Halloween. Drop off anytime during our business hours. Monday-Friday 8:00am - 5:00pm.

Imagine Home Lending wants to wish you a safe Halloween!

Realtors That Rock

Realtors that we love having on our team:

Dustin Monsebroten

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We want to take some time to thank a Realtor that rocks!

Dustin Monsebroten is a Keller Williams Realtor out of Fargo, North Dakota. His clients and co-workers describe him as fun, relatable, knowledgeable, patient, helpful, and responsive. He’s a guy that gets the job done, and will make you laugh during the process.



We asked him why he loves being a Realtor; he explained, “What I love about being a realtor in Fargo is being plugged into the community, networking with like-minded business professionals, and helping people achieve the American Dream: homeownership! I love what I do and have a lot of fun with my clients.”



He works closely with Brady Pederson, Regional Manager of our Fargo branch, so we asked Dustin to explain why it’s important to work with a quality lender. Dustin shares, “Choosing a great lender is every bit as important as having an experienced realtor..I tell all my clients, those are the 2 most important links to a smooth transaction. I pride myself on Education & Communication through the process of buying a home, and strongly recommend that my buyers use a lender that will do the same. I've been extremely impressed with Imagine Home Lending and would recommend them to anyone looking at buying a home...More importantly, my clients that used them would as well.”


We’re so happy to have great team members that work with us to help our clients’ dreams come true. You rock, Dustin!

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Looking for your next home?

Contact Dustin at

701-595-1961

dustinm@kw.com
















Winter is coming

Whether this will be the first winter in your new home or you’re hoping to save some pennies on your energy bill in your apartment to put towards your down payment, we have a few tips and tricks to show you how to make your home more energy efficient as the temperatures begin to drop.

 Imagine home lending energy efficiency tips



Heat the spaces you spend the most time in. Set the thermostat to 62-68 degrees, and use space heaters in rooms that get the most traffic. We simply suggest that you use space heaters with auto shut off safety features when they’re knocked over. You can even go all out and get space heaters that look like fireplaces. Only heating the spaces that you’re most likely to occupy can shave a few dollars and cents of your monthly bill this winter.



Humidity. Warm air can be a little dry during the winter. Adding moisture to the air helps forced heat stick linger a little longer. Buy a humidifier, and set it on a timer.



Check your water heater. Set your water heater to 120 degrees. It’ll keep you from scalding you in the shower if you accidentally turn the dial a little too far, and cut down energy costs.



Check your furnace. Check your furnace filters monthly, and replace as needed.



Sunlight. Winter can bring about a lack of Vitamin D, so opening the curtains when the sun is shining can perk up your mood. Of equal importance, having south facing curtains open during the day will bring natural heat into the home. Just make sure you close them when the sun goes down in order to keep that warm air in.



More on curtains. Insulated curtains are worth the few extra dollars, and they come in an array of colors and patterns that will suit almost any room’s decor.



Check with your local energy co-op. Our local energy cooperative offers efficiency incentives programs. They give clients discounts for buying new energy efficient appliances, recycling old ones, for switching to LED lighting, for high efficiency water heaters, geothermal HVAC, and for having energy audits performed on your home. Most energy companies offer discount programs for sprucing up your home with energy upgrades. Visit your energy provider’s website for more information.  



Do you have any energy saving tips to share?

Find us on social media or email to tell us how you prepare when winter is coming.



Meet our new loan officer

 Alyssa Shaefer - Onalaska, Wisconsin Mortgage Loan Officer

We’d like to welcome a new member to the team!

Alyssa Schaefer is the newest addition to the Imagine Home Lending team. We asked her a few questions to allow you to get to know her better!

When asked her favorite part about working in the mortgage industry her response was, “I love helping people! It is an amazing feeling helping someone get into their dream home.”

Her favorite part about Wisconsin is “the many different seasons that we have. I am a very outdoorsy person, and Wisconsin is a great place for me to be able to do the things I love such as hunting, horseback riding, snowboarding, motorcycle riding, and camping!”

Finally, we wanted to know what she’s most looking forward to being a new asset to a local business and she explained, “I am looking forward to helping Imagine Home Lending grow and show people why they should in-trust us with their purchase or refinance of their home!”

Imagine Home Lending is excited to have Alyssa join our team. She’s an active member in the La Crosse community. She’s involved with the La Crosse Area Realtors Association, the La Crosse Chamber of Commerce, Young Professionals, Women’s Alliance, and Women Empowering Women. As a local business, community involvement is something that we value greatly and we’re happy to have team members who share the same vision.

We encourage you to give her a warm welcome! If there’s any way she can assist you in financing or refinancing your home, give her a call today! 
608-779-3100

White Pickett Fence

Still the American dream?

 Source: Creative Commons

Source: Creative Commons

The stigma of being a millennial seems to be a hot topic. This generation has more options, more freedom, and can access almost any information or product with a few button clicks. As a result, they’re doing things a little differently than the generations that came before.

Nicholas Padiak (2017) of the Chicago Tribute quotes Brian McCabe when he shares,"The homeownership rate really starts to climb after the Second World War," McCabe said. "So it's in the 1950s and the 1960s that we go from being a country of 45 percent (homeownership) to a country of well over 60 percent." (2017). He goes on to quote realty broker, Greg Nagel, explaining, "[homeowning] represents probably the most risk-free investment opportunity to build wealth due to the tax advantages," such as the mortgage interest and property tax deductions. "It's very powerful," he said.”

Grandparents and parents of the millennial generation had rhyme and reason behind their white picket fences. The political and cultural climate incentivized homeownership.

So what has changed?

 Source: Women's Health Magazine

Source: Women's Health Magazine

Millennials are waiting until later in life to settle down. This graph from Women’s Health Magazine suggests that the average marriage age went from 20 to 27. The reasons behind delayed weddings range from women being more likely to pursue education, couples wanting to pay down student loan debt, having more options in choosing a partner, etc.

It seems as though millennials still value homeownership. According to housing wire (2018), 75% of non-homeowners want to become homeowners. However, the political and cultural climate is less eager to suggest that you aren’t successful or stable until you own a home.

It just seems a little more intimidating when you have outstanding student loans, aren’t yet married, or don’t know much about the process of buying a home.


Imagine Home Lending offers several different loan programs because we want to find a loan that works for your budget. Homeownership is still a pillar of the American dream. “Life, liberty, and property”, right? If you’re apart of the 75% of non-homeowners that want to transition into being a homeowner, call us today!

Fall finances

 

Whether we like it or not, Summer is winding down and Fall is rolling in. Parents are getting back into the organized routine of the school year, which means the day to day function of the entire house is a little more streamlined. The kids shouldn’t be the only ones getting their ducks in a row, right?

Imagine Home Lending a few tips to get your finances in shape this fall. It doesn’t matter if you’re in the market for a new home or not, now is as good a time as any to get your fiscal matters in good order.

Determine a monthly budget. Start where you are. Identify the costs attributed to what you need, how much income you have, and how much you’re tucking away for savings. Then, determine your goal budget. Where can you remove excess spending? Do you have a monthly savings goal?

One tool we love is mint. Mint is an online money manager that tells you exactly where your money is coming from and exactly where your money is going. Mint makes it easy by auto important data from linked bank accounts. That information is translated for you into graphs and percentages that let you know how much money you're splurging on Starbucks every month.

It also offers helpful tools like protection against fraud by setting up alerts for unusual spending, credit report tracking, etc.

To get a clear picture of your current financial climate, have a system in place. It can be mint or you can go with an old-fashioned spreadsheet. It’s easy to let your spending go off the deep end with all the summertime fun in the sun. Let’s take the season change as an opportunity to see if our financial habits are aligned with our financial goals.

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Manage your auto-pays, and set up paperless if you haven’t already. Because honestly. Who checks snail mail anymore? When you do, what percentage of it goes straight to the recycling bin?

If I had a dollar for every time my bank or internet provider sent me an envelope that said Important, open upon receiving…. I’d be a much wealthier woman. It’s easy for bills to get overlooked when they come in snail mail. So let’s go paperless! Paperless allows you to view your bills in an email, which is something you’re more than likely checking more than once per day.

I’d also assume that you have a few auto-pay accounts set up already, but what about the less obvious ones? Service providers, like doctors, that you don’t see very often probably don’t have an auto-pay system set up. However, most health care professionals offer online portals that will send you electronic notification of any bills that are available to be paid. Check with your health care providers about paperless billing to save you an overdue collections account.

Check your debt to income ratio. How much are you making compared to your monthly expenditures and debts? The mantra here is, "check yourself before you wreck yourself."

Again, it’s easy to let spending get a little out of control when left unregulated. Sometimes just getting a look at the bigger picture is enough motivation to shape up.

Declutter documents. It’s always good to keep original copies of important documents. It may come in handy to scan them and create a digital copy for backup as well.

Take some time to organize, label, and store the documents that you want/need to keep physical copies of. Keep them somewhere safe, somewhere dry, and somewhere the dog can’t get to them.

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It’s bitter to admit Summer is ending. It’s even more unpleasant to realize how many weekends you have remaining until holiday shopping needs to be taken care of. Use this transitional season to get your finances organized. You don’t have to wait for new years to start a savings goal. You don’t have to wait until you’re applying for a mortgage to know what your credit score is.

What are your favorite tips and tricks to organizing your finances? Share it with us!

#fallfinances