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Century 21 Affiliated Ranked #1 in the World for the 11th Year in a Row
MADISON, WI, March 3, 2025 – CENTURY 21 Affiliated is once again the #1 CENTURY 21® franchise in the world, marking an unprecedented 11th consecutive year at #1, and locking in the title of the most successful franchise in the history of CENTURY 21®. This milestone reflects the company’s unwavering commitment to excellence, innovation, and client satisfaction in the real estate industry.
“Our agents and staff continue to set the bar higher every year,” said Dan Kruse, CEO & Owner of CENTURY 21 Affiliated. “Being ranked #1 for 11 years straight is no small feat – it’s a testament to our relentless dedication to providing exceptional service and helping our clients achieve their real estate goals.”
Over the past 11 years, CENTURY 21 Affiliated has continued to expand its footprint, delivering outstanding results across the United States. The company’s success is built on a strong foundation of top-tier training, cutting-edge technology, and a culture of collaboration and growth.
“We are incredibly proud of this achievement,” said Jasen Schrock, President & Owner of CENTURY 21 Affiliated. “It speaks volumes about the talent and dedication of our agents and leadership team. Year after year, they prove why we are the best in the business.”
With a mission to deliver extraordinary experiences, CENTURY 21 Affiliated remains committed to client-focused strategies that drive results.
“We don’t take this ranking lightly,” said Sam Bell, President of Brokerage at CENTURY 21 Affiliated. “It fuels us to keep improving, evolving, and delivering at the highest level. Our success is a direct reflection of the hard work and dedication of our entire team.”
As CENTURY 21 Affiliated looks ahead, the company remains focused on growth, agent success, and maintaining its industry-leading position. With 11 years at the top, the future is brighter than ever.
About CENTURY 21 Affiliated
CENTURY 21 Affiliated is a member of multiple listing services in California, Illinois, Michigan, Minnesota, and Wisconsin, with over 1,500+ sales professionals and 70+ offices. CENTURY 21 Affiliated also specializes in worldwide relocation. At CENTURY 21 Affiliated, the customer comes first. The complete commitment to this philosophy has made CENTURY 21 Affiliated a powerful force in the real estate industry. CENTURY 21 Affiliated has been ranked the No. 1 CENTURY 21® franchise worldwide for over ten years in a row. Visit C21Affiliated.com to learn more.
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FHA Home Loans in Wisconsin
If you’re in the market for a home in Wisconsin, you may have heard of FHA loans, or Federal Housing Administration loans, as a financing option. These government-backed loans are a popular choice for first-time homebuyers and those with less-than-perfect credit. In this guide, we’ll break down everything you need to know about FHA loans in Wisconsin, along with benefits and requirements of state-specific programs that can help you achieve your dream of homeownership.
What are FHA Home Loans?
FHA loans are mortgages insured by the Federal Housing Administration (FHA) and are designed to make homeownership more accessible, especially for Americans who may not qualify for a traditional mortgage or other loans. This reduces the risk for lenders and allows them to offer lower down payments and more lenient credit requirements. This also makes FHA loans particularly appealing to first-time buyers or those with limited savings.
Here are a few ways that FHA loans stand out from other options:
- Low Down Payment: You can qualify with as little as 3.5% down if your credit score is 580 or higher, meaning that up to 96.5% of a home’s value can be borrowed through an FHA loan.
- Flexible Credit Requirements: FHA loans are more forgiving of lower credit scores compared to conventional loans. Borrowers with scores as low as 500 may still qualify with a 10% down payment.
- Competitive Interest Rates: Being backed by the federal government, FHA loans often have lower interest rates than conventional loans, making monthly payments more affordable.
- Mandatory Mortgage Insurance: FHA loans require both an upfront mortgage insurance premium (UFMIP) and an annual mortgage insurance premium (MIP), which is paid monthly.
These are just a few ways FHA loans can help homebuyers overcome financial barriers and make homeownership a reality for more Americans. With lower credit score requirements and lower down payments, it’s an easier pathway to securing a loan and finally owning a house.
Current FHA Loan Interest Rates in Wisconsin
As of February 2025, the average interest rate for a 30-year fixed FHA loan in Wisconsin is 6.24%, with an APR of 6.92%. These rates are slightly lower than conventional loan rates, making FHA loans a more cost-effective option. However, rates vary depending on your credit score, the lender, and the loan type and length, so always explore your options and compare offers when possible.
FHA Loan Requirements in Wisconsin
To qualify for a FHA home loans in Wisconsin, several key criteria must be met to ensure that potential borrowers are financially stable and capable of repaying their loan. Most notably, applicants need to demonstrate a reliable employment history and income.
Here’s a summary of the main eligibility criteria:
- Credit Score: As of 2023, a minimum score of 580 is required for a 3.5% down payment. Scores between 500 and 579 require a 10% down payment.
- Debt-to-Income Ratio (DTI): Your total monthly debt, including the mortgage, should not exceed 43% of your income, though some lenders may allow up to 57% in certain cases.
- Employment and Income: You’ll need a steady employment history of at least two years and verifiable income.
- Primary Residence: The home must be your primary residence.
- Property Standards: The property must meet FHA’s minimum standards for safety and livability, as determined by an FHA-approved appraiser.
- Loan Limits: For 2025, the FHA loan limit for a single-family home in most Wisconsin counties is $524,225. In higher-cost areas like Pierce and St. Croix counties, the limit is $529,000.
By meeting these requirements, you better position yourself for loan approval. It can also simplify the loan process, making it smoother and preventing potential setbacks or delays.
Applying for an FHA Loan in Wisconsin
Applying for FHA home loans in Wisconsin is straightforward but involves several basic steps. Borrowers should start by researching and comparing various FHA-approved lenders to find the best loan terms and secure the best deal.
After selecting a lender, borrowers complete the FHA loan application process. This process may vary between lenders, but should follow the same general steps. Here’s an overview of the major stages involved:
- Find an FHA-Approved Lender: Choose a lender approved by the FHA. Most banks, credit unions, and mortgage companies offer FHA loans.
- Pre-Approval: Get pre-approved to determine your budget and show sellers you’re a serious buyer.
- Submit Your Application: Provide details about your income, employment, and the property you want to buy .
- Provide Documentation: Submit tax returns, pay stubs, bank statements, and other financial documents.
- Property Appraisal: The lender will order an appraisal to ensure the home meets FHA standards and is worth the loan amount.
- Underwriting: The lender reviews your application to ensure you meet all FHA requirements.
- Closing: Sign the final paperwork, pay closing costs, and officially become a homeowner.
Wisconsin-Specific Programs to Pair with FHA Loans
Certain areas in Wisconsin may offer programs that can make FHA loans even more affordable. These programs are most common in larger metropolitan areas like Madison and Milwaukee, but some are available statewide through the Wisconsin Housing and Economic Development Authority (WHEDA). Here are a few options to explore if you’re planning to buy a home in Wisconsin:
- WHEDA Down Payment Assistance: The Wisconsin Housing and Economic Development Authority (WHEDA) offers programs like the Easy Close DPA, which provides up to 6% of the home’s purchase price as a second mortgage. Another option is the Capital Access DPA, offering $7,500 with no interest or monthly payments
- City of Madison’s Home-Buy the American Dream Program: Provides up to $35,000 in down payment and closing cost assistance, deferred until the home is sold or refinanced.
- Milwaukee Down Payment Assistance: Offers forgivable grants of up to $7,000 for homes in designated areas, provided the buyer contributes at least $1,000 and lives in the home for five years.
- Local Assistance Programs: Many cities and counties in Wisconsin offer grants or zero-interest loans for first-time buyers. Check with your local housing authority for details.
Conclusion
FHA loans are an excellent choice for hopeful homebuyers, especially first-time buyers or those with limited savings. By combining the benefits of FHA loans with Wisconsin-specific programs like WHEDA’s down payment assistance, you can make your dream of homeownership a reality. Whether you’re buying in Milwaukee, Madison, or a smaller town, understanding the FHA loan process and available resources will help you make informed decisions and secure the best deal for your new home.
If you’re ready to take the next step, start by finding an FHA-approved lender and exploring the down payment assistance programs available in your area. With the right preparation, you’ll be well on your way to owning a home in the beautiful state of Wisconsin!
Ready to buy but not sure how to secure a loan? Reach out to us today for help finding a qualified lender that works for you.
Dan Kruse of CENTURY 21 Affiliated Recognized Among the Industry’s Most Influential Leaders
[Madison, WI] – January 13, 2025 – CENTURY 21 Affiliated is proud to announce that its President and CEO, Dan Kruse, has been ranked #109 on the prestigious 2025 Swanepoel Power 200 (SP 200), a definitive ranking of the most powerful and influential leaders in the residential real estate industry.
The Swanepoel Power 200, published annually by T3 Sixty, evaluates leaders based on their achievements, influence, and contributions to the real estate industry. The ranking underscores Kruse’s dedication to innovation, leadership, and commitment to providing unparalleled value to CENTURY 21 Affiliated agents, clients, and communities.
Dan Kruse – CEO and President of CENTURY 21 Affiliated
“I am incredibly honored to be recognized among so many trailblazers in our industry,” said Dan Kruse. “This acknowledgment is a reflection of the extraordinary efforts of all our CENTURY 21 Affiliated real estate professionals. Together, we are setting a standard of excellence for agents and clients alike.”
Under Kruse’s leadership, CENTURY 21 Affiliated has solidified its position as one of the largest and most successful CENTURY 21 franchises in the world, with a steadfast focus on agent support, cutting-edge technology, and community engagement. His forward-thinking strategies have led to record-breaking achievements for the company, including expanding its footprint across multiple states, fostering a culture of growth and innovation, and holding the record for most transactions by a single CENTURY 21 franchise.
Kruse’s inclusion on the SP 200 highlights his role as a visionary leader driving success not only for CENTURY 21 Affiliated but also for the real estate industry as a whole.
For more information about CENTURY 21 Affiliated and its innovative approach to real estate, please visit C21Affiliated.com.
About CENTURY 21 Affiliated
CENTURY 21 Affiliated is a member of multiple listings services in California, Illinois, Michigan, Minnesota and Wisconsin with more than 1,400 sales professionals and 60+ offices. CENTURY 21 Affiliated also specializes in worldwide relocation. At CENTURY 21 Affiliated, the customer comes first. The complete commitment to this philosophy is what has made CENTURY 21 Affiliated such a powerful force in the real estate industry. CENTURY 21 Affiliated has been ranked the No. 1 CENTURY 21® franchise in the world for eleven years.
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The Top 5 Neighborhoods in Janesville, WI
Janesville, Wisconsin, a medium-sized city that connects South Central Wisconsin, offers a selection of neighborhoods each with its own unique character and distinct features. Whether you’re looking for a family-friendly suburb, proximity to Janesville’s abundant outdoor facilities, or historic urban charm, Janesville’s housing market has something for everyone. In no particular order, here are five of the best neighborhoods in Janesville, WI to consider when you want to buy a home in Wisconsin’s Park Place.
1. Courthouse Hill
Nestled close to the heart of downtown Janesville, the Historic Courthouse Hill District is renowned for its beautifully preserved Victorian homes and tree-lined streets. Added to the National Register of Historic Places in 1986, this neighborhood’s homes date as far back as the mid-19th century when Janesville’s early leaders resided there.
Courthouse Hill is perfect for those who appreciate classic architecture and a present sense of history. Neighborhood residents enjoy close proximity to local landmarks, community events, and the Rock County Historical Society. Courthouse Hill is also home to Courthouse Park, a 3-acre public park that hosts live music in the summer and other community events year-round.
2. Old Fourth Ward
Across the Rock River from Courthouse Hill is the Old Fourth Ward Historic District, another notable neighborhood of Janesville’s past that was added to the National Register of Historic Places in 1990. Contrasting with Courthouse Hill, the Fourth Ward is a working-class neighborhood with smaller, more numerous homes and a higher number of new constructions. This area is close to public parks like Fourth Ward Park and several local schools, making it an ideal spot for families looking for an affordable house for sale in Janesville.
3. East Side
As the name suggests, the east side of Janesville is situated on the eastern side of the Rock River and extends into the city’s outskirts. Offering a more suburban locale, the east side home to many new, growing subdivisions and includes a larger selection of newer constructions varying in size and style compared to other neighborhoods in Janesville. This area is a haven for those seeking the freedom of a suburban lifestyle while still being minutes away from the Janesville’s bustling center.
Points of interest on the East Side include the commercial areas off of Interstate 90 for shopping and dining and the Janesville Youth Sports Complex, where many of the area’s youth sports games are held. The near east side of the neighborhood is also home to Rotary Botanical Gardens, an award-winning 20-acre botanical garden open to the public. With easy access to the city, shopping centers, and the Interstate, Janesville’s east side is a perfect option for growing families in need of a convenient suburban lifestyle.
4. Look West
The Look West Historic District is located on the city’s northwest side and encompasses much of the area immediately west and northwest of West Centerway. This area was once known as Janesville’s First Ward, and has deep roots in the city’s rail and manufacturing past, reflecting the economic forces that shaped the town during the 19th century. Today, Look West’s diverse range of stately Victorian homes to modest cottages offers a glimpse into the past, speaking to the stories of the people who built them.
The Look West neighborhood offers a distinct mix of historical ambiance in Janesville’s downtown with homes that are largely updated properties but still affordable. Historical landmarks like the Lincoln-Tallman Museum are easy to find, and cultural and community amenities like the Marvin Roth Community Pavilion and the Janesville Farmer’s Market are a short walk away.
5. Northeast
Janesville’s far northeast area has long been a scene of suburban expansion and new home construction, and is one of the city’s fastest-growing and most affluent areas. While the downtown neighborhoods represent Janesville’s formative history, the city’s northeast area represents its productivity and prosperity over the past several decades following a period of massive growth in the 1950’s and 1960’s when Janesville’s population nearly doubled. Many Janesville homes built in the past decade are located here, and newer developments from commercial spaces to municipal facilities are commonplace.
Places of interest in Janesville’s northeast include Sheiffer Park, an 87-acre public park opened in 2019 and a focal point for many of the area’s new subdivisions. The Uptown Janesville Mall has been a longstanding fixture of the northeast since 1973, acting as an anchor for the many shopping and dining options located off the Interstate nearby. This area is also a short drive from Milton, WI, another suburban area known for being a great place to live.
Why Janesville?
Janesville isn’t just a place to buy a house; it’s a community where you can plant roots. The city is known for its extensive parks system, plentiful recreational opportunities, and a thriving arts scene. Janesville’s neighborhoods reflect the city’s dedication to providing a high-quality life for its residents, and there’s plenty more to discover and love about Wisconsin’s Park Place.
The Janesville, WI Housing Market
With a stable real estate market, Janesville offers a range of options for potential homeowners. From historic homes to new constructions, the diversity of the housing stock means there’s something for every preference and budget.
No matter which neighborhood you choose, Janesville’s welcoming community and rich heritage make it a special place to call home. If you’re looking to buy a house in Wisconsin’s Park Place, exploring these top neighborhoods in Janesville is an excellent start.
Are you considering a move to Janesville? Reach out today and let us assist you in finding the perfect place to settle down.
How to Get a Real Estate License in Wisconsin
Are you considering embarking on a career in real estate sales in the Dairy State? First, you’ll need to become officially licensed.
A real estate license is your ticket to a rewarding realty career, opening doors to numerous opportunities. But how do you get a real estate license in Wisconsin?
In this guide, we’ll walk you through the process of how to get a real estate license in Wisconsin. From meeting eligibility criteria to passing the Wisconsin real estate license exam, we’ve got you covered. Let’s get started.
Understanding Wisconsin Real Estate Licensing Requirements
Before getting started, make sure you understand the basic licensing requirements. In Wisconsin, these are set by the Wisconsin Department of Safety and Professional Services (DSPS).
The requirements include specific education, exam, and application steps. These ensure you’re well-prepared for your real estate career.
Here’s a quick overview of the requirements:
- Be at least 18 years old
- Complete 72 hours of pre-licensing education
- Pass the Wisconsin real estate license exam
- Apply for the license with DSPS
- Find a sponsoring broker
Step 1: Meet the Eligibility Criteria
The first step is to ensure you meet the basic eligibility criteria. You must be at least 18 years old to apply for a real estate license in Wisconsin.
Also, you must have a high school diploma or equivalent. This is a standard requirement across most states.
Step 2: Complete Pre-Licensing Education
Next, you need to complete the required pre-licensing education. This is a 72-hour course approved by the DSPS and administered at a board-approved institution.
The course covers key topics like real estate law, contract law, and principles of real estate. It prepares you for the Wisconsin real estate license exam. We offer our own board-approved licensing course taken totally online and available at a discounted rate.
Upon completion of an approved course, you will receive a certificate. This is proof of your successful completion of your pre-licensing education and must be provided to DSPS when applying for your license.
Alternatively, you can also complete 10 academic semester hour credits in real estate or real estate-related law at an approved institution of higher learning.
Step 3: Register for the Wisconsin Real Estate License Exam
After completing your pre-licensing education, it’s time to register for the exam. You can do this through Pearson VUE, which the state has partnered with to administer real estate exams.
The Wisconsin exam consists of two parts: the national portion and the state-specific portion. Both parts must be passed to qualify for a license.
Remember to schedule your exam date well in advance to secure your preferred timeslot.
Step 4: Study and Pass the Wisconsin Real Estate License Test
The Wisconsin real estate license test is a comprehensive exam. It covers a wide range of topics, from property laws to ethical guidelines.
To pass, you’ll need to study diligently. Consider using study guides and practice tests to prepare. These resources can help you understand the exam format and the types of questions you’ll face.
Remember, passing the exam is a crucial step in getting your real estate license in Wisconsin. So, take your preparation seriously.
Step 5: Apply for Your Real Estate License
Once you pass the exam, it’s time to apply for your license. You’ll need to submit an application to the Wisconsin DSPS online LicensE platform.
The application process involves providing proof of your education and exam results. You’ll also need to pay the required fees.
Remember, the DSPS will review your application before issuing your real estate license, so ensure that all your information is complete and accurate.
Step 6: Choose a Sponsoring Broker
After getting your license, you’ll need to find a sponsoring broker. This broker will guide you through your early career stages.
Choose a broker who aligns with your career goals. They should offer support, training, and a conducive work environment.
If you’re interesting in joining one of the largest real estate brokerages in Wisconsin, consider earning your license with us at CENTURY 21 Affiliated.
Maintaining Your Real Estate License in Wisconsin
Once you have your license, it’s crucial to keep it active. This involves meeting certain requirements set by the DSPS and reapplying every two years.
These include:
- Completing approved continuing education courses.
- Renewing your license every two years or on every even-numbered year by December 14.
- Staying updated on changes in real estate laws and regulations.
The Top 5 Fastest-Growing Cities in Wisconsin
Like many areas throughout the country, Wisconsin has seen varied population growth across its cities in recent years following the COVID-19 pandemic. This growth is often driven by homebuyers seeking affordable homes or stronger local economies, and there are several areas enjoying particularly strong influxes of new residents. In this post, we’ll explore the five fastest-growing cities in the state of Wisconsin, based on recent data and trends.
1. Madison
Madison, the ever-popular capital city of Wisconsin, has experienced significant population growth in recent years. Between 2020 and 2023, Madison’s population increased by 4.4%, from 274,686 to 286,785 residents. This growth continues a trend observed over the past decade, where the city saw a 17.7% increase in population from 2010 to 2020. Madison’s robust growth can be attributed to its strong economy, education opportunities, and consistently high livability and quality of life rankings.
2. Fitchburg
Fitchburg, a suburb south of Madison and part of the Madison metropolitan area, has also seen substantial post-pandemic growth. From 2020 to 2023, the city’s population grew by 9.74%, from 30,999 to 34,019 residents. Fitchburg’s recent growth rate is one of the highest in the state, reflecting the town’s appeal as a suburban community with convenient access to the nearby amenities of Madison.
3. Sun Prairie
Sun Prairie, yet another city in Dane County, has experienced a 6.73% population increase from 2020 to 2023, growing from 35,967 to 38,387 residents. Over the past decade, Sun Prairie’s population has surged by 29.3%, making it one of the fastest-growing cities in Wisconsin. Sun Prairie’s growth is strongly driven by its proximity to Madison, family-friendly suburban environment, and considerably strong economic development.
4. Oak Creek
Oak Creek, located on the southwestern shores of Lake Michigan in Milwaukee County, saw a 4.59% increase in population from 2020 to 2023, growing from 36,497 to 38,174 residents. This growth is significant given the overall population decline in Milwaukee County during that same period. Oak Creek’s rising population and development is supported by its strategic location between Milwaukee and Chicago and expanding residential and commercial sectors.
5. Eau Claire
On the opposite side of the state, the city of Eau Claire has enjoyed a 2.71% population increase from 2020 to 2023, growing from 69,421 to 71,304 residents. This growth has positioned Eau Claire as the seventh-largest city in Wisconsin, surpassing Waukesha since the last U.S. census in 2020. Eau Claire has long stood as an attractive destination thanks to its reputation as a cultural hub and close proximity to Minnesota’s Twin Cities. Other notable attractions driving Eau Claire’s growth include its vivacious arts scene and ongoing municipal investments such as the expansion of its downtown area.
The cities of Madison, Fitchburg, Sun Prairie, Oak Creek, and Eau Claire are leading the way in population growth in Wisconsin. These destinations offer a compelling combination of economic opportunities, quality of life, and strategic locations that are driving new residents into their welcoming arms. If you’re interested in making a move to one of Wisconsin’s most popular cities, start a search for a new home today or contact us to get in touch with a local real estate expert.
How To Find Affordable Rural Properties in Wisconsin
Are you tired of the unending hustle and bustle of city life? Do you dream of owning a piece of land in the peaceful countryside? Look no further than Wisconsin, where you can find affordable rural properties that offer the perfect escape from the city. Southern Wisconsin’s rich agricultural history makes it a prime area for rural real estate, with magnificent miles of rolling farmland and a wealth of affordable rural properties for sale. In this article, we’ll explore three ways to find cheap land and rural homes for sale in Wisconsin.
1. Search Online Property Listings
The Internet has made it easier than ever to find affordable rural properties in Wisconsin. There are many websites that specialize in listing cheap land and rural homes for sale both across the country and throughout America’s Dairyland. Some of the most popular options include LandWatch, Land.com, and Land And Farm. Websites like these allow you to filter your search by price, location, and property type, making it much easier to find the perfect property that meets your needs and budget. Our own property search page is a great place to find affordable country homes, acreage, and land for sale in southern Wisconsin, with options to filter search results by area, price, and more.
2. Connect with Local Real Estate Agents
Another great way to find affordable rural properties in Wisconsin is by working with a local real estate agent. Professional Realtors have extensive knowledge of the areas they service and can help you find hidden gems that the average buyer may not be aware of. They can also negotiate on your behalf and provide valuable insights on the local real estate market, financial and otherwise. Additionally, many experienced real estate agents may have access to exclusive listings that are not available to the public, giving you an advantage in finding a cheap rural property. Try speaking to several different agents, and be sure to work with one who specializes in land and acreage or rural property sales.
3. Check Government Property Listings
Did you know that the government occasionally sells or auctions off surplus land and properties at discounted prices? Checking federal and state surplus property websites can be a great way to find cheap land and country homes for sale in Wisconsin. The Department of Housing and Urban Development (HUD) and the Department of Agriculture (USDA) are two federal agencies that post online listings and sometimes hold auctions for rural properties and land. At the state level, the Wisconsin Department of Natural Resources (DNR), Board of Commissioners of Public Lands (BCPL), and Department of Transportation (WisDOT) each offer land and property sales on occasion, and these listings are highly sought by interested buyers. Local County Sheriff’s Offices like the Dane County Sheriff’s Office can also be a valuable resource for foreclosed properties for sale, so be sure to check your county sheriff’s website for new property listing information often.
Financing Options
Once you’re serious about purchasing a given property, it’s important to consider financing options that can make your purchase more manageable. Many banks and credit unions offer loans specifically for rural properties, with lower interest rates and longer repayment terms. Traditional mortgages might not always be available for rural properties, so you may need to consider alternative lenders like credit unions or agricultural lenders who specialize in rural land loans. You can also look into government programs such as the USDA Rural Development Loan, which offers low-interest loans for rural properties. Whichever route you choose, always take the time to compare interest rates, loan terms, and down payment requirements to ensure you’re agreeing to the most favorable deal.
Conclusion
Owning a piece of land in the peaceful countryside of Wisconsin is a dream for many, and it can be a reality with the right resources and information. Whether you choose to search online, work with a real estate agent, or try your luck with government listings, there are plenty of options available to help you find cheap land and country homes for sale in Wisconsin. With an ideal area in mind and a solid financing plan in place, you can make your dream of owning your own rural retreat a reality. Start your search today and find your perfect piece of Wisconsin countryside.
