GREETINGS FROM VERNA ACKER
REALTY EXECUTIVES Elite
414.534.7400
FOR YOUR INFORMATION:
Real Estate Information from Western Racine County; Waterford, WI 53185
Vol XXV November, 1999

THINKING OF BUYING A HOME?
Can you answer "yes" to the following questions: Do you have a steady, reliable income? Do you have a good record of paying your bills? Do you have money saved up for a down payment? Do you have the ability to pay the monthly mortgage payment and the taxes, etc.? Do you know how much you can afford? Do you know your debt-to-income ratios?

There are a lot of rules to be aware of. But, every rule is made to be broken. Lenders to do not always adhere strictly to the rules. Because Mortgage lending is a competitive market, if one lender can't help you it is likely that another can. Go to my web site http://www.vernacker.com and to the Buyer's guide for a great deal of information regarding the lending and the qualification process. Some of the area's best loan officers can be found on my web site, too.

You should get your credit score in order, too. It has been discovered that there is a definite relationship between credit scores and mortgage delinquencies. Therefore, most lenders will figure credit scoring into the application process. Some credit score resources available online include: www.creditscoring.com – an online resource guide to credit scoring agencies and businesses.
www.knowyourscore.com – a free service that will retrieve your credit score for you.
www.fairisaac.com – the Company that combines reports into one FICO score.
www.iCreditscore.com – online credit reports, fee for service.

THREE CRDIT REPORTING AGENCIES:
www.Experian.com
www.equifax.com
www.transunion.com
Let me know if any of these links don't work. I will see if I can help with the more complete http. This information was taken from the Inman newsletter. The full report can be found at: http://www.inman.com

ANOTHER SUBDIVISION HAS BEEN APPROVED IN WATERFORD
Waterford Landing on The Fox will be located on a 125 acre parcel on the banks of the Fox River on the southern boundary of the village. There will be 212 residential units, 119 single family homes and 99 condominiums. Homes will range from 1700 s.f. for a ranch and 2,000 for a two story and the average lot size will be 14,000 square feet. There will be a 44-acre nature preserve , two ponds and a walkway near the river that will also be available for public use. We will let you know when the project is ready to take off.

UNDERGROUND STORAGE TANK UPDATE!!!!!
In-use residential underground storage tanks are now exempt from state tank testing regulations! Jacobus Quickflash Heating & Cooling Services, www.quickflash.com – provides this information in a letter dated October 29, 1999: "Thanks to an amendment to the recently-passed state budget, residential underground tanks that are 1,100 gallons or less no longer have to comply with testing requirements that were slated to take effect in 2001. This applies to nearly all residential underground tanks. Here is a summary:
In-use residential underground storage tanks less than 1,100 gallons are completely exempt from state testing regulations. There are no state regulations that require in-use underground tanks to be removed. If an underground tank is taken out of use, the tank must be removed within 12 months. Therefore, a homeowner that converts to gas could subject that homeowner to thousands of dollars in tank removal costs. Basement storage tanks are, and always have been, completely exempt from all regulations."

DO YOU WANT AN UPDATE?
Would you like to have us do a Multiple Listing search for you? E-mail me at verna@vernacker.com and let me know what you would like. Give us a brief description and a price range. We will pull all of the properties that are available and we will e-mail them back to you. We are using some new software that has been quite successful in getting even the pictures to you on a "quick" update. Let us hear from you. We will continue to send the newest For Sales and Solds. But, if you think you would like a review of what is available, we would like to help.

ATTACHMENTS
We have included an attachment for your information.
NOTE: Attachments not archived.
The first part is all the new listings in Western Racine County and a portion of Walworth County since the last newsletter. The second part is everything, in the same area, that has sold since the last newsletter. If you'd like more information on any of these, please e-mail me, and we can send the full information to you. If by some chance you can't open the attachment, we have other means to get what you want to you. We can send the printout, including pictures, in another format. If you don't handle attachments very well, we can even place your search request as a file on the web and send you instructions as to how to view and/or print it from there. Let us know if you'd like your own personal search for any type of property and we'll do our best to quickly get it back to you in a form you can read.

GREETINGS FROM VERNA ACKER
REALTY EXECUTIVES Elite
414.534.7400
FOR YOUR INFORMATION:
Real Estate Information from Western Racine County; Waterford, WI 53185 Vol XXVI November, 1999

I AM BREAKING THE NORM...
in this issue of my newsletter. The last two weeks have been extremely busy. We will just describe the 7 new listings that I have just put on the market and we will attach the newest listings, for those of you who are watching for them. Nothing newsy this week. I will pick up there next week, after we catch our breath.

WATERFRONT
On the scenic Fox River, about a ¼ mile south of the main lake you will find this exceptional home. 150 ft of river frontage (lot 150x202) and the lot is dotted and shaded by mature trees. TWO detached garages and a 1984 exposed ranch with and exposed and finished lower level. $189,900. E-mail for more: verna@vernacker.com

AGRICULTURAL ZONING
A full brick ranch on 2.67 acres and located about a mile south of the city of Burlington on Hwy P. Some redecorating has been done and some is still needed. Ceramic floors in kitchen, family room and halls. Natural fireplace. A barn/garden shed, too. E-mail for more: verna@vernacker.com

BETTER THAN NEW
This 1610 s.f. ranch was built in 1998. It has a spacious, open design with cathedral ceilings and a great room concept that blends the living room, the dining room and the kitchen into a comfortable living area. The extra-wide concrete drive is in, the lawn is seeded, and other landscaping is complete. Asking $165,900. E-mail for more: verna@vernacker.com

CREAM CITY BRICK ANTIQUE
This is a beauty! Bring your antiques and your family! The lot is about ¾ acre and has large trees, shrubs and a split rail fence. It abuts a pond on the neighbor's lot. There is a large garden area, too. Tasteful remodeling has enhanced the interior. There are 3 bedrooms, 2 dens, hardwood floors and the beauty of a before-1900-antique. Asking $169,900. E-mail for more: verna@vernacker.com

CONTEMPORARY DESIGN
This home has a special design and an extra-special setting. It is on a quiet, dead-end street. The large lot has a garden and even a campfire pit. The interior has had some attractive updates and there is a rec room in the lower level. There is a BONUS area in the garage that is heated and wired for the "putter-person" in the family. Asking $155,900. E-mail for more: verna@vernacker.com

ROCHESTER TWO-FAMILY
This side-by-side was on the market for one week and already has an accepted offer with open contingencies. You are still welcome to see the property and put in a back-up offer. If you wish you would have been the first offer on this one, let us know. There may be a similar property coming on the market shortly. Asking $169,900. E-mail for more: verna@vernacker.com

WONDERFUL CONCEPT
for the adult family. Children over 14 are welcomed in this lakeside community. This home was built in 1997. It has a spacious open design that overlooks two ponds, the conservancy areas and the lake beyond. The home has more than 1500 s.f. and two bedrooms, each with a semi- private bath. The fully exposed, brick-form basement is ready to be finished into additional living space. A club house is even provided for entertainment. Asking $164,900. E-mail for more: verna@vernacker.com

WE HAVE ATTACHED THE NEW LISTINGS
that have come to the multiple listings system since November 1, 1999. We are including single family, two family, condominiums and vacant land. If you think that you have missed anything and would like an update designed specifically for you, e-mail me and give me the parameters for the search. We will get it right out to you. E-mail to: verna@vernacker.com
NOTE: Attachments not archived.

WE ARE REALLY EXCITED ABOUT OUR NEW MARKETING TOOL!!!!!!
Starting "about" today, we will be getting our listings up, one-by-one, for a slide show to be sent to our buyers who are interested. Within the next couple of weeks you will be able to view a moving slide show with full width, and in some cases, full-circle virtual tours of our listings. This will be a monumental undertaking in the beginning because of the size of our current inventory. Bear with us. We will let you know as properties are loaded with the new "Virtual Realty" tours.

ATTACHMENTS
NOTE: Attachments not archived.
We have included an attachment for your information. The first part is all the new listings in Western Racine County and a portion of Walworth County since the last newsletter. The second part is everything, in the same area, that has sold since the last newsletter. If you'd like more information on any of these, please e-mail me, and we can send the full information to you. If by some chance you can't open the attachment, we have other means to get what you want to you. We can send the printout, including pictures, in another format. If you don't handle attachments very well, we can even place your search request as a file on the web and send you instructions as to how to view and/or print it from there. Let us know if you'd like your own personal search for any type of property and we'll do our best to quickly get it back to you in a form you can read.