Water Freeze Damage Disclosed! Now What? - 02/28/09 07:58 PM
When showing a buyer a couple of foreclosed properties recently, the listing agent disclosed that there was prior "freeze damage" - read - burst water pipes due to water freezing.  
This is often common in unoccupied homes and during the foreclosure period where the owner is not only unable to pay the mortgage but also, unable to pay utility costs - no electricity: no power to the furnace or to the baseboard heating system. 
So when the temperature goes below 32 degrees for an extended time - pipes burst - even when the water has been turned off and "drained" - … (2 comments)

Need More Money for a Downpayment? Try your 401K!! - 02/25/09 07:22 PM
Recently, a buyer made an offer on one of my listings and a day before the mortgage commitment date, it was reported that the buyer needed more cash for the down payment.  Seems the loan program he signed up for went away!  In today's tough financing environment, I'm sure that this is not the first time that this has happened.  
Where to get some cash?  Borrowing from friends or relatives? (risky); Getting someone to co-sign? (may end a long term friendship); Borrowing from  your 401K retirement account?  (Maybe not a bad idea!!)   
Yes, the IRS does allow a "hardship distribution" from … (2 comments)

Essex Winter Series - A Jazz Delight - 02/17/09 07:38 PM
It's been a week or so since I attended the second of five concerts in the 31st annual Essex Winter Series.  Even though living in Essex for 8 years, I just never heard about the Winter Series and didn't know anyone who attended
When I first received complimentary tickets (my company is a sponsor) to the "great jazz" concert, I was apprehensive - who are the musicians?  What is the program?  What a surprise!
I quickly found out (after reading the program briefly before the program) that is was no ordinary concert: Jeff Barnhart, piano, Scott Philbrick, Trumpet, Dan Levinson, Clarinet … (1 comments)

Essex Ed: Realtor or Ground Hog? - 02/02/09 07:42 PM
When I first moved into town and got into real estate, I thought it would be good to have a catchy screen name that would be easy to remember.  Since my name is Ed and I live in Essex, why not "Essex Ed".  I even bought the domain name which is still active and directs people to my web site.  
Then at the first Saturday in February, I learned that "EssexEd" was the name that the town gave to a 15 foot high fiberglass image of the town mascot:  a groundhog.
So every year, the town sponsors a parade in honor … (2 comments)

 
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Edward McCaffrey, ABR, GRI, e-PRO

Essex, CT

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