Steven D. Timm

Steven D. Timm Licensed real estate agent with the Holt Real Estate Team Keller Williams Powered by PLACE, specializing in South Central Wisconsin.

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Looking forward to connecting with you!!

Happy Wednesday! We made it to the mid-week!!Rates aren’t dropping yet because the job market is still strong. But the...
06/10/2026

Happy Wednesday! We made it to the mid-week!!

Rates aren’t dropping yet because the job market is still strong. But the market itself is improving — there are more homes and more room to negotiate. So instead of waiting on rates, the opportunity right now is using that leverage.

If rates improve later, you can always revisit financing — but today’s options and flexibility may not be there.

This is why I coach my buyers to date the rate and marry the house. Your interest rate can always be revisited. You can buy down your rate at your lender or work with the seller to offer a seller credit. Your agent and lender will have the best guidance on this tactic.

Please do not hesitate to contact me with any questions! 😃🏠👍

Greetings! Lets see what Tuesday has in store for us......Rates remain elevated, but stability in both jobs and demand ...
06/09/2026

Greetings!

Lets see what Tuesday has in store for us......

Rates remain elevated, but stability in both jobs and demand is keeping the market balanced. A balanced market is good for both sellers and buyers, in my opinion.

Rates stayed volatile and pushed toward recent highs as the jobs report came in stronger than expected. Hiring surprised to the upside with steady unemployment, reinforcing a stable — but not cooling — economy. Good for overall confidence, but not for rates.

In the week ahead, markets will continue to react to inflation expectations, bond market movements, and global headlines. Expect more day-to-day swings rather than a clear directional move. The Fed is now preparing to possibly increase rates.

Right now, I am positioning clients around clarity, not timing. Buyers are still active and have more options — but waiting for a big drop in rates isn’t playing out. The opportunity right now is acting when the monthly payment makes sense, not trying to time the market perfectly.

Let's connect! 🏠💲😁

Hello all and Happy Monday! Rates have remained stable as of late. We have not seen the big ups and downs in the rate ...
06/09/2026

Hello all and Happy Monday!

Rates have remained stable as of late. We have not seen the big ups and downs in the rate market. New listing inventory is up, while the price reductions have dipped a bit. Pending sales went up, even with the application index down.

The economy is staying strong and this is good for confidence, but not for rates. I am recommending my buyers to not wait out the market for the rates to drop, and to focus more on clarity, instead of timing.

How are you seeing the market right now and what are your thoughts on the market, timing, rates, etc?

Questions? Let's connect! 😁😁💲🏠

It is Friday, folks...We made it!!! Figured I would end the week on a maintenance note...giving the real estate updates...
06/05/2026

It is Friday, folks...We made it!!!

Figured I would end the week on a maintenance note...giving the real estate updates a bit of a break for today.....

Apartment turn season is upon us and I wanted to share some quick tips on how to keep ones head among the flood of turns and work orders we are all experiencing right now....

I. Be thorough in your turn! One thing I try to pass along to techs I train is, to be thorough in your work. When you are busy, double work or having to return to a work order or apartment turn more than once, is a definite time and momentum killer. Doing it right the first time around saves you time and saves the company money. This is a win win!

II. Keep your tools and work areas clean! This often gets overlooked because of the business of the season, but well cared for tools and workspaces are both a time saver and efficiency builder. Some might think it is odd, but I wash, clean and oil my tools regularly. Both hand and power tools. I need my equipment to function and not fail during emergencies or when I have a stack of work orders or turns I am working on.

III. Give your property manager and office staff some grace! I have a sensitivity to this as I worked in the front office at one time. For example, my boss has over 400+ residents he takes care of at any one time. My boss is constantly barraged with residents, vendors, customers, potential residents and employees, that want something from him. This goes for the leasing staff as well. This is a good time to give them grace as they are doing the best they can! So, if your leasing agents or managers seem like they are having a bad day, give them some grace!


IV. Last but not least, take care of yourself and give yourself some grace during this time! You are only one person and can't do 10 things at once. One cannot pour 10 gallons of water in a 5 gallon pail...believe me, I've tried....LOL! Focus on your oldest work orders and move up to the most recent ones. This way, you prevent work orders going into delayed or late status. With turns, do as much as you can at a steady pace and do ask for help if needed!

Have a great weekend! 😁 🏠

Good morning and Happy Thursday! Wanted to share some of my thoughts on the state of the market as it concerns the chan...
06/04/2026

Good morning and Happy Thursday!

Wanted to share some of my thoughts on the state of the market as it concerns the changing buyers market...

The number of homes for sale just fell below last year’s levels, with fewer new listings hitting the market at a key time.

Buyers are still active though and when demand holds while supply drops, it creates upward pressure on prices. This may not sound like a big deal, but even small price moves matter—just a 5% increase can add over $20K to a $400,000 home.

This isn’t about rushing—it’s about being ready in a market where waiting doesn’t always mean better options. Again, not saying the summer surge will not hit, but it is better to be prepared and ready to pull the trigger when waiting might backfire on you.

Let's chat and see where you are at and I would love to help you with a plan of action this season! 🏠💲😁

Hello, folks and happy Wednesday! We made it to the mid point in the week! Here are some key points I am noticing in t...
06/03/2026

Hello, folks and happy Wednesday! We made it to the mid point in the week!

Here are some key points I am noticing in the market right now:

📉 ⚡ Last Week: While rates remained stable in the mid‑6% range with marginal improvement, buyer activity took a hit, with pending sales seeing a sharp week‑over‑week decline. The more significant trend is on the supply side—new listings dropped substantially, and inventory slipped into negative year‑over‑year territory, suggesting a seasonal pullback from sellers.

↔️ This Week Ahead: Markets will be hyper‑focused on non‑farm payrolls and unemployment figures. These labor market indicators will dictate rate volatility; strength in employment may keep rates elevated, whereas a softer report could provide the relief needed to re-engage buyers.

In my opinion, there has been some inventory pullback in areas that, seasonally at least, would typically be stocked with homes on the market. Buyers waiting for a surge in selection may find themselves with fewer options. Not saying the summer surge will not happen, but the buyer who is focusing on the existing inventory with a plan of action in place, will win in the current market.

If you have any questions or would like to go over your numbers, let's get in touch!

Happy Tuesday! Ok, I wanted to mention how the single family inventory is affecting the market right now and recommend ...
06/02/2026

Happy Tuesday!

Ok, I wanted to mention how the single family inventory is affecting the market right now and recommend a decent approach to all of this....

Right now, we are seeing single family home inventory trending upwards in quantity and volume. We are just above 2025 levels at this point and inventory, especially as we hit the heavy summer market, will only be rising. This is to the advantage of the buyer, although I am seeing quite a few areas in my market at least, that actually have an inventory shortage and have created a mini sellers market that has been localized in that area.

If you are a seller that wants to list, I recommend you and your agent crunch the numbers and put together a plan of action that makes sense to the both of you. It is your agents job to help you reach your selling goal, whatever that may be. As I coach my buyers, you will want to prepare well in advance of the listing going live on the market. With increased inventory, buyers have the luxury of being a bit more picky on product offering than not.

Never fear though! You as a seller, can still win in this market. If you have questions, please reach out and I would love to chat and help you with figuring out if listing in this market is right for you! 😁🏠💲

Greetings, all! I normally send this as an email, but figured I would share my Monday market report with the wider worl...
06/02/2026

Greetings, all! I normally send this as an email, but figured I would share my Monday market report with the wider world....

Let's check in on how the market is performing:

Buyers Market: I am noticing single family home inventory has recently dropped a bit from where we were last year at this same time. Buyers are still active though, so when supply does tighten, it tends to put pressure on the prices. Waiting might help you on rate strategy, but it can definitely cost you on price, thus coming to a net zero gain.

Sellers Market: The needle ticked ever so slightly in the sellers favor, though not sure how long that will last. I am noticing there are ever increasing pockets of statistically low inventory levels and that is a good thing to consider if you are thinking about listing your home. Lower inventory also tends to drive prices up, although sellers will want to be careful with this kind of strategy....we are not in a bonifide sellers market yet...

Overview: I see this as a no rush market. If you are a buyer, you will want to be prepared. Know your numbers, be pre-approved and be willing to pull the trigger when the right home comes along. If you are a seller, be ready to pull out some stops, prior to your home going on the live market, so you can put your best foot forward.

If you have been on the fence or are actively looking to purchase or list, please reach out and I would love to go over your options with you. 😁💲🏠

Happy June and Happy Monday! Figured I would drop some truth on the sellers market thus far....With the latter point of...
06/01/2026

Happy June and Happy Monday!

Figured I would drop some truth on the sellers market thus far....

With the latter point of the second quarter coming near, the spring market is in full swing and giving way to the summer market. It is definitely still advantage buyer out there, but sellers are still coming away strong in this market. Buyer activity, even with the choppy rates has not slowed, in fact it has increased. This, coupled with some areas or pockets of low inventory, has created a mini sellers market in some locations.

New listings have risen from last year and I am seeing more dedicated buyers out there that are wanting to negotiate well with sellers. I am coaching my sellers that want to list, to be coachable and be flexible should a buyer submit an offer. Listing inventory overall is up, so the sellers that are winning during negotiations are those that are well prepared, just like the buyer.

If you are considering listing, please let me know and I would love to go over the numbers and help you put your best foot forward. 😁🏠👍💲

Happy Friday to ya! Here is a quick check‑in on the market, before the weekend hits...Late May is usually when spring i...
05/29/2026

Happy Friday to ya!

Here is a quick check‑in on the market, before the weekend hits...

Late May is usually when spring inventory peaks and more buyers start paying attention as summer gets closer. That means there’s still good selection right now, but competition typically increases from here. Rates are choppy, but leverage today is coming more from inventory and seller flexibility than rate movement.

This isn’t about rushing — it’s about being prepared. If the right home shows up in the next few weeks, having a plan makes a big difference.

Sellers should not lose heart, as there are areas or pockets of homes that are in an inventory shortage and that is good news for sellers. Sellers do need to be flexible though and make sure they are putting their best foot forward with their listing.

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