Friday, November 14, 2025 / by Ryan Huemmer
If you're a Madison homeowner considering a move but hesitating because of today's higher mortgage rates, you're not alone. Many Wisconsin homeowners are locked in historically low rates between 2020 and 2022, and the thought of trading a 3% mortgage for today's rates in the 6-7% range can feel financially painful. That's why the Trump administration's recent proposal to introduce portable mortgages has caught the attention of homeowners across the country, including right here in the Madison area.
What Are Portable Mortgages?
A portable mortgage allows homeowners to transfer their existing mortgage and interest rate to a new property when they move, rather than paying off their current loan and taking out a brand-new one at current market rates. Imagine you're selling your home in Middleton with a $200,000 remaining balance at 3.5% and buying a house in Verona for $450,000. With a portable mortgage, you could transfer that $200,000 loan to your new property while keeping y ...
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Thursday, November 13, 2025 / by Ryan Huemmer
Nothing says “home for the holidays” quite like the scent of fresh evergreens and the joy of crafting your own festive decoration. All across southern Wisconsin, you can find fun and creative holiday workshops perfect for a cozy date, a family outing, or a friends-night-out to kick off the season.
Here are some of the best local classes to check out:
Upcoming Wreath & Décor Workshops
Holiday Wreath Workshop – Atmospheric Floral
The Tinsmith, Madison
November 30, 2025 | 1:45 – 3:00 PM
$149.81
A luxury wreath experience featuring premium dried florals and hand-dyed silk ribbons—perfect for a modern, elegant holiday look.
Holiday Wreath Making Workshop – Allen Centennial Garden (with Working Draft Beer Company)
Working Draft Beer Company, Madison
November 22, 2025 | 1:30 – 3:30 PM
$55 (includes all supplies + a drink)
A fun, casual workshop with local brews and plenty of creative cheer.
Evergreen Holiday Wreaths & ...
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Wednesday, November 12, 2025 / by Ryan Huemmer
The Huemmer Home Team - Your Madison Real Estate Experts
First-Time Homebuyers Face Historic Challenges in Madison and Beyond
If you're trying to break into the Madison housing market, you're not alone in feeling frustrated. Recent data from the National Association of Realtors reveals a troubling trend that's affecting aspiring homeowners across Wisconsin and the nation: first-time buyers are being squeezed out of the market at record rates.
The Numbers Tell a Stark Story
The latest housing report shows that first-time buyers now account for only about 20% of all home sales, a historic low and roughly half the percentage from a generation ago. Even more striking? The average age of first-time buyers has climbed to 40 years old, while the typical homebuyer is now 59.
"These statistics reflect real challenges we're seeing right here in Madison," says Amber Huemmer. "Young families and professionals who should be building equity are instead stuck renting, watching the mark ...
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Monday, November 10, 2025 / by Ryan Huemmer
The housing market conversation just got a lot more interesting. President Trump recently floated the idea of introducing a 50-year mortgage option for American homebuyers, and the Federal Housing Finance Agency is reportedly working on making it a reality. For families in Sun Prairie and the greater Madison area struggling with affordability, this could be the breakthrough they've been waiting for.
What Is a 50-Year Mortgage?
Similar to how President Franklin D. Roosevelt introduced the 30-year mortgage during the Great Depression, a 50-year mortgage would extend the loan repayment period to five decades. William Pulte, director of the Federal Housing Finance Agency, called the proposal a "game changer" and confirmed his agency is actively working on this new mortgage product.
Lower Monthly Payments, Greater Accessibility
The primary benefit of a 50-year mortgage is simple: lower monthly payments. For a $400,000 loan at 6% interest, a 30-year mortgage would cost $2,398 p ...
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Saturday, November 1, 2025 / by Ryan Huemmer
Winterize Your Plumbing
Insulate exposed pipes in basements, garages, and crawl spaces to prevent freezing.
Disconnect and drain garden hoses, and shut off outdoor faucets if possible.
Inspect Your Heating System
Schedule a furnace or boiler tune-up.
Replace filters and test your thermostat to ensure your system runs efficiently.
Check Your Fireplace and Chimney
Have chimneys professionally cleaned if you plan to use your fireplace.
Inspect for cracks or creosote buildup.
Clean Gutters and Downspouts
Remove leaves, debris, and ice dams to prevent water damage and foundation issues.
Ensure downspouts direct water away from your home.
Service Snow Removal Equipment
Test snow blowers, shovels, and ice melt supplies.
Stock up on winter essentials like salt or sand.
The Huemmer Home Team
LPT Realty
608-709-9440
theteam@thhtrealty.com
...
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