The Lakeland Home Ownership Center of Minocqua, WI prides itself on supporting people looking for honest, affordable solutions. Below are resources that will help Save You Money on your journey. If you have any questions, contact Marcia Waldburger at marcia@minocquamortgage.com for your no obligation consultation.

Credit

FDCPA - Fair Debt Collection Practice Act

mymoney.com

WiseBread.com - pinch pennies

Annual Credit Report.com - Monitor your credit regularly (three times per year) for free

MyFico.com- Get the credit scores the lenders use. Paid services.

Top 8 Credit Repair Tips Plus Bonus Information

Good Debt vs Bad Debt Worksheet as seen "On the Money" - Free download

Cardtrack.com - find lower rate credit cards and information on how to convert high interest cards to lower rates

Investment Information

LinkedIn Business Profile
Merchant Circle Business Profile

Bank Rates
Mortgage Rate Estimates, Saving Interest Rates, Banking OnLine

Morning Star
In Depth Financial and Investment information

Mortgage Daily News
Up to the minute mortgage lending news

NAPFA.com - Fee Based Financial Planners (Not Commission Based)

MarketPayScale.com - find out what that job pays

Government Agencies

Wisconsin Department of Regulations and License
Research mortgage bankers and brokers, Realtors' licenses and any complaints on file

Oneida County Courthouse
County court house records and contact information: Treasurer, Zoning, Register of Deeds, Social Services, etc. 

Vilas County Courthouse
County court house records and contact information: Treasurer, Zoning, Register of Deeds, etc.

Oneida Title & Abstract, Inc.
Serving the North Woods of Wisconsin, providing title insurance, closing and escrow services

Gowey Abstract & Title
Serving the entire State of Wisconsin, providing title insurance, closing and escrow services

Vilas Title & Abstract
Serving the North Woods of Wisconsin, providing title insurance, closing and escrow services

Contractors - Inspectors - And More

Corner Stone Custome Builders
Reputable and established contractors. Projects from small to large.

Cottages to Castles, Inc.
Stratford Homes Distributor

Anderson Docks & Supply
Custom designs, floating, etc.

Two Of A Kind Cleaning Inc.
Rick & Kristy Bozic will clean it - (715) 891-5656

Northern Wisconsin Security & Sound, Inc.
Alarms, Temperature Monitoring, Stereo Systems, & more...

Horizon Associates, Inc.
Certified Home and Environmental Inspector - (866) 823-6441

Oestreich Surveying & Mapping, LLC For all your Surveying needs


Town Information

Minocqua-Arbor Vitae-Woodruff Chamber of Commerce
Chamber news and members information

Lakeland Union High School
Local School Information

REALTORS - So Many Excellent Agents  

Interesting Websites

whois.comResearch companies online

truecrypt.org 
Free online software to encrypt your laptop and computer information

F-Secure Clean your computer of spyware, malware, virus, cookies, etc.

Computer Dude with Current/Up To Date Free computer maintenance advice including download addresses for anti worm infestations, malware, adware and more. DJ wants your computer to be safe!

OnlineLinkScan.com - Scan email for Virus before you open them

Articles

Rotary International Official Website

blog.MinocquaMortgage.com

 Homebuyer Tax Credit Forms Now Available

The Treasury Department and the IRS moved swiftly to make available the Tax Credit portion of the American Recovery and Reinvestment Act of 2009, aka: the Stimulus Act.

The tax credit is available to homebuyers who purchase a home before December 1 of 2009. Homebuyers can claim the credit either on their 2009 tax returns or immediately on the 2008 tax returns due in April.

The tax credit represents 10% of the purchase price of a home up to a maximum credit of $8,000 or $4,000 for married taxpayers filing separate returns. The $7,500 credit that was available under earlier legislation was actually a 15 year loan. The new tax credit does not have to be repaid by the homeowner under ordinary circumstances.

The credit does have to be repaid if the homeowner sells the home in less than 36 months or if the home is no longer the homeowners primary residence during the 36 months period of time.

Interestingly, a 1st time homebuyer for this tax credit is defined as a buyer that has not owned a home for the past 36 months ending on the date of purchase.

The credit is available to taxpayers with adjusted gross incomes up to $75,000 or $150,000 for married taxpayers filing jointly. Above those income limits the credit is gradually phased out.

Homeowners who purchased a house between April 8 and December 31, 2008 are not eligible for the new credit. They are covered by the old rule and can claim the $7,500 repayable credit.

FORMS AND INSTRUCTIONS FOR CLAIMING THE CREDIT ON 2008 TAX RETURNS ARE AVAILABLE AT www.irs.gov
Form #5404