Renee Heine
Tele: 608-220-0440
Mail: 1139 Rutledge
Madison, WI 53703

Buying a Home in Madison

What You Need to Know

Buying a home can be emotionally and financially stressful. Increasingly, home buyers are choosing to be represented by a Buyer's Agent to relieve the pressure of the "buyer beware" throughout the home buying process.

Things Only a Buyer's Agent Can Tell You

#1 - Looking Out For Your Best Interest

The client level services required of a Buyer's Agent, demand putting the buyer's interest above all others, including our own. I am obliged to give full loyalty and trust to our buyers. I have the responsibility to protect the home buyer throughout the buying process and negotiate on our buyer's behalf. I approach the transaction as through I were buying myself. When it's in my best interest to close and in the buyer's best interest to walk, we walk.

#2 - Everything You Tell Me Is Strictly Confidential

As a Buyer's Agent, my clients can speak freely, knowing everything is kept in confidence. That includes how much they are willing to pay, time lines they are under, circumstances they are facing, and anything that would weaken their negotiating position.

#3 - The MLS Is Only Part Of Our Inventory

When viewing properties with me, I will search the entire Multiple Listing Service (MLS). As a Buyer's Agent, I listen to my buyer's wants and needs. For Sale By Owner (FSBO), expired listings, and properties not currently on the market are all part of the inventory I explore.

#4 - Let's Get More Information

Listing sheets don't always have all of the information a buyer needs. Sometimes the listing information is incorrect. A Buyer's Agent will go to the Town Hall Registry of Deeds, and other sources to verify specific details on the home.

#5 - This Property Is Overpriced

It is my job to let the buyer know what a property is worth. I will provide buyers with a CMA (Comparative Market Analysis) of each property they show an interest in purchasing. I will help you interpret the information, using many different vairables such as the current market conditions, ratios of asking to selling price, and assessed value to sales price in the area. This information is not allowed to be given to a buyer by a traditional agent unless asked.

#6 - Let's Make Sure The Contract Is Buyer Protective

A Buyer's Agent will alert the buyer to protective language in the offer to purchase. Each situation demands it's own approach.

#7 - Let's Have A Thorough Home Inspection

Spending the money for a good home inspection is money well spent. A Buyer's Agent is much more friendly with the 'deal killers' in the home inspection field. An ASHI (American Socitey of Home Inspectors) inspector is a good choice. Any defects as defined within the offer to purchase that emerge during the inspection are definite re-negotiating issues.

#8 - What Will You Do With The Money You Save

Saving your money is only part of my job, but I love doing it. It's my legal and ethical responsibility to try to get you the best price and terms in the purchase as your Buyer's Agent. I can also assist you in shopping for a lender, inspector, attorney, and insurance. I will review the final Settlement Statement (HUD) prior to closing.

Home Buying Tips and Information


Meet with a qualified lender, this will help you determine what you can afford, this will depend on your income, credit rating, current monthly expenses, down payment and the mortgage interest rate. Get pre-qualified for the mortgage so you know how much you can work with when you are ready to look for a house. Then only spend 80% of what you've been pre-qualified for so your monthly payments are reasonable and within your budget.

Comparison Shopping

Make sure you look at multiple homes and neighborhoods. Use price per square foot + amenties to help compare properties.


Get a completely objective inspection, with a licensed inspector who will walk through the house with you and answer all your questions about the home's condition, upkeep, and potential repairs.

House Hunting

Wish List - what features do you want?

  • What part of town do you want to live in?
  • What price range would you consider?
  • How big would you like your house to be (square feet)?
  • Do you want an older home or a newer home?
  • What kind of house do you prefer? 1 or 2 story, split foyer, bi-level, tri-level, townhouse, condo?
  • What style of home do you prefer? Contemporary, Traditional, Transistional, Colonial?
  • How many bedrooms must you have?
  • How many bathrooms do you want?
  • What features do you want to have in your home?
    Air conditioning, Wall to wall carpet, Ceramic tile, Hardwood floors, Eat in kitchen, Dining room, Formal living room, Family room, Greatroom, Den or library, Basement, Laundry, Fireplace, Workshop, No interior steps, 'In-law' apartment?
  • How much renovation would you be willing to do?
  • Are school districts a deciding factor?
  • Do you have to be close to public transportation?
  • Do you require wheelchair access?
  • Do you have any animals that will require special facilities?
  • How big would you like your lot to be? Large yard 1+ acre(s). Small yard less than 1/2 acre.
  • What would you like on your lot? Fence, Garage, Patio/Deck, Pool, View, Extra parking?
  • Do you want to live in an area with a Community Association?
  • What else do you want in your community?
    Pool, Golf course, Basketball or Tennis courts, Gated or Doorman, Clubhouse/activites?
  • Are there any other special features you would like to consider when looking for a new home?

Homeowners Insurance

When you're buying a home, consider the cost of homeowners insurance. Consider a higher deductible. Increasing your deductible by just a few hundred dollars can make a big difference in your premium. Ask your insurance agent about discounts. You may be able to get a lower premium if your home has safety features such as dead-bolt locks, smoke detectors, an alarm system, storm shutters or fire retardant roofing material. It may also be cheaper if your home’s electrical, heating and plumbing systems are less than 10 years old. Persons over 55 years of age or long-term customers may also be offered discounts. Choosing wisely could cut your premiums by 5 to 15 percent.

Check the CLUE (Comprehensive Loss Underwriting Exchange) report of the home you are thinking of buying. These reports contain the insurance claim history of the property and can help you judge some of the problems the house may have.

If you have questions about insurance for any of your possessions, be sure to ask your agent or company representative when you're shopping around for a policy. For example, if you run a business out of your home, be sure to discuss coverage for that business. Most homeowners policies cover business equipment in the home, but only up to $2,500 and they offer no business liability insurance. Although you want to lower your homeowners insurance cost, you also want to make certain you have all the coverage you need.

My Commitment to You

Listen carefully to your needs & desires

Provide Market information that is clear & informative

Explain the buying process thoroughly

Assist you in locating & communicating with a trusted mortgage lender

Find your New Home

Explain contracts & contingencies

Negotiate on your behalf

Accompany you throughout the entire buying process from start to finish

Selecting a Real Estate professional to assist you in your search for your DREAM HOME is a very important decision.

This person should be working for you; keeping your best interest in mind at all times.

As your Madison Buyer Agency Realtor, I promise to do that, and much more!

My commitment to you is to be prepared to assist you every step of the way to your new front door.

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