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APM - Wisconsin

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Baraboo, WI
APM - Wisconsin

Our branch eats, breathes and lives doing mortgages. NMLS # 1850

We care deeply about your dream to own a home, remodel your current one or to reach your financial goals by owning investment properties.

09/02/2026

Your home equity has been sitting quietly in the background for years. Time to give it main character energy.

Whether that's a kitchen reno, paying down higher-interest debt, or funding something new, a HELOC lets you actually use your equity instead of just watching it sit there.

Curious what yours could do? Let's look at your options.

09/01/2026

Doing a few small projects every month keeps your home in tip-top shape!

08/28/2026

What did last night’s lunar eclipse have to do with the housing market?

More than you might think.

During an eclipse, the Moon can suddenly look very different. Even though the Moon itself has not changed.

The housing market feels a little like that right now.
There are plenty of things moving across our view: Federal Reserve policy, inflation, the bond market, possible changes at Fannie Mae and Freddie Mac, and ongoing questions about housing affordability.

For buyers, the important thing is not to let a single headline obscure the bigger picture.

Mortgage rates were relatively steady this week, while more homes coming onto the market and slower price growth in many areas are giving buyers additional choices.
And remember: the Federal Reserve does not directly set mortgage rates. Mortgage rates are heavily influenced by movements in the bond market, so a change in Federal Reserve policy does not always translate directly into lower borrowing costs.

For buyers: Do not assume you have to wait for the “perfect” market. Price, seller concessions, financing options, inventory, and your individual loan strategy all matter.
For real estate professionals: This is a great time to help buyers look beyond the headlines and understand what is possible for them today.

Sometimes the opportunity is still there; you must look past the shadow. And fortunately, no eclipse glasses are required for a mortgage consultation.

08/27/2026

Your kids are grown. What’s next for you? Whether it’s a condo with zero maintenance or life on the open road, there’s a perfect next chapter waiting. What does your dream home look like now?

08/21/2026

BACK TO SCHOOL: Today’s Mortgage Market Lesson

The kids are heading back to class, and the financial markets are giving us a few lessons of their own.

Lesson #1: The bond market matters.
The United States Treasury announced plans to increase purchases of certain longer-term Treasury securities to improve market liquidity. That helped longer-term bond yields move lower on Wednesday, and because mortgage pricing is closely connected to the bond market, that is something worth watching.

Lesson #2: The Federal Reserve is still focused on inflation.
Federal Reserve policymakers continue to signal that inflation remains an important concern. That means mortgage rates may continue to move up and down as investors digest each new economic report.

Lesson #3: The economy is still showing strength.
Thursday’s reports showed stronger-than-expected manufacturing activity and fewer new unemployment claims than economists anticipated. A resilient economy is good news, but economic strength can also keep pressure on borrowing costs.

So what is the homework for buyers and real estate professionals?

Do not try to predict the exact day when mortgage rates will be “perfect.”
Instead, understand the numbers, know the available financing options, and have a plan ready when the right home and opportunity come along.

For buyers: your buying power may look different than it did a few months ago.

For real estate professionals: a quick financing conversation with your clients could help turn “I think I need to wait” into “Maybe I have more options than I realized.”

And unlike school homework, checking your mortgage options does not require showing your work.

Questions about purchasing, refinancing, or reverse mortgages? I am always happy to be a resource.

08/14/2026

What do mortgage rates and Wisconsin State Fair cream puffs have in common?
Everyone wants to know if they should grab one now…or wait.

The Original Cream Puff has been a Wisconsin State Fair tradition since 1924. And just like deciding whether it is time for another cream puff, home buyers are asking a familiar question:
“Should I buy now, or should I wait?”

Recent economic reports have given the mortgage market some encouraging news. Inflation pressures have shown signs of cooling, the job market has softened, and consumers pulled back on spending in July.

That could be helpful for mortgage rates over time, but it does not mean we can predict exactly where rates go next.

For buyers, the better question may be:
Does the home and monthly payment make sense for me today?
Waiting for the “perfect” rate can come with tradeoffs. Rates could improve, but home prices, inventory, and competition can change too.

For my Realtor partners: this is a great time to reconnect with buyers who have been sitting on the sidelines.

For buyers: let’s run the numbers before you decide whether to buy, wait, or keep looking. Good decisions come from knowing your options, not trying to perfectly time the market.

Because nobody wants to get all the way home and realize they should have grabbed the cream puff.

08/13/2026

It's August, which means Lisa Severseike, CDLP, is hearing a version of this several times a week: "We're keeping the house so the kids don't have to change schools."

Lisa wants to be clear that this is a completely reasonable thing to want. Stability matters, and a school district is a real consideration, not a sentimental one. She is not in the business of telling people that keeping the house is the wrong call.

What Lisa does want is for it to be a decision rather than a default. Which means answering three things first:

• Can one income carry the payment, taxes, insurance, and upkeep, not just this year, but through the years the school district actually matters?

• Does the equity math still work once the true costs of accessing that equity are accounted for?

• Is the refinance timeline written into the agreement realistic for this particular file?

Sometimes all three answers come back clean, and the family keeps the house with confidence instead of hope. Sometimes one of them doesn't, and it's far better to learn that in August than in the middle of a school year, under pressure, with fewer options.

Either way, the numbers should come before the decision, not after it.

Happy to run them for anyone weighing this right now.

https://www.divorcelendingassociation.com/offices/lisa-severseike.cfm

08/12/2026

The Perseid meteor shower is expected to reach peak activity on August 12. The peak viewing from the 12th to the 13th is typically your best shot to see the sky speckled with bright meteors!

Look to the night sky and !

08/10/2026

What if buying your first or next investment property didn’t depend solely on your personal income?

That’s exactly why many real estate investors are turning to DSCR loans.

Rather than focusing primarily on your personal income, a DSCR loan evaluates the property’s ability to generate rental income. For qualified investors, that can provide greater flexibility when financing an investment property.
Whether you’re purchasing your first rental property or expanding your portfolio, we offer financing solutions designed with real estate investors in mind.

08/07/2026

Today, on National Purple Heart Day, we honor the brave men and women who were wounded or made the ultimate sacrifice while serving our country.

The Purple Heart is more than a medal. It represents courage, sacrifice, resilience, and a commitment to something greater than oneself.

To every Purple Heart recipient, to the families who stood beside them, and to those who never made it home: thank you for your service, your sacrifice, and your devotion to our nation.

May we never take for granted the freedoms secured by those willing to put everything on the line.

🇺🇸 We remember. We honor. We are grateful.

Address

502 Oak Street
Baraboo, WI
53913

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Website

http://www.globalstatemortgage.com/

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