Buying foreclosure or REO property in Manchester, Connecticut can sometimes provide you with a great bargain. Not all foreclosure or REO properties are great bargains. How can you make sure your offer is great and more likely to be accepted by the bank or owner of the property? Use these six tips for a successful offer:
What did the current owner pay for the property and what kind of loan did they use. This matters so you can see what the bank may need to receive in selling the property. If the original loan was an FHA loan there is insurance that will cover 100% of the shortfall (if there is one). Getting this answer usually requires going to town hall and that can also provide you with information about the status of the property.
The market value of the property. You want to know what that is today and if the property needs work what it will be with that work completed. You care about what the property is worth repaired since you will need to pay for those repairs. You don't want to "over pay" for the property so at minimum the cost of the repairs should be subtracted from the after repaired value in determining your offer. Considering there are great unknowns in renovating properties you should subtract some extra to give yourself room for error.
Scrutinize the REO and foreclosure listings. – Look at the value of other foreclosure or REO homes andnormal "arms length" transactions. What kind of "discount" do foreclosure or REO properties receive in Manchester? This takes a little detective work since know the condition of they were in is difficult.
Cash offer. – The banks usually prefer cash offers. But we know there is little possibility that you will make a true cash offer, nice idea right?. What can you do to make your offer stronger? Ask about an FHA 203k loan, it will allow you to have the money to buy and fix up the property in one loan. A bank will respect that loan option as having more likelihood of closing. Make sure to not only talk with but show your loan officer your pay stubs, bank statements and make sure that your credit has been pulled BEFORE writing your offer. How you calculate your income and how an underwriter do may be two different things, one may not qualify you for the home you want. Make sure your loan officer knows the property is in need of work, or is a foreclosure. This may limit the loan programs that can be used.
Take into account the number of offers. – Your offer should also be dependent upon the number of offers that have been made for the property. If the house has been on the market for many, many months with no takers it might be possible to offer less, but likewise don't expect a low-ball offer to be accepted on a clean ready to move in foreclosure with heavy showing traffic 2 days after going on the market.
Inspection – Banks don't like inspections, so do them BEFORE making your offer, or understand most banks will sell "as-is". An "as-is" contract might allow you to inspect after going to contract it might not allow you to exit the contract for inspection issues. Might as well inspect before making the offer and becoming obligated to purchase the property.
These six tips will help you to successfully make an offer on a foreclosure or REO property in Manchester, CT. Are you looking to purchase a foreclosure or REO property in Manchester, CT or the surrounding towns? Ask about an FHA 203k loan. A 203k loan will allow you the finds to both purchase a home in need of repair, but also the money you need to pay for those repairs. Thanks to http://www.flickr.com/photos/jbhill/ for a great photo.
If you or someone you know is thinking of buying or selling property in Connecticut or is looking to refinance their home in Connecticut -Please give Jon Sigler, Mortgage Banker with Franklin American Mortgage Company, a call! Call Jon at 860-306-8029 or e-mail at jsigler@franklinamerican.com. Be sure to check out Jon's website www.franklinamerican.com/jonsigler and blog at www.activerain.com/jonsigler.
It is now official, the President has signed the extention of the home buyer tax credit. Yeah. If you had not found a house or were worried about being able to close by the end of the month you have time once again.
The much-anticipated extension to the home buyer tax credit has finally been approved. The Senate's vote yesterday resulted in a 98-0 win and today it was passed in the house. The bill now moves to the President's desk for a final signature.
First-time home buyers have been eligible for tax credits of up to $8,000 since last January as part of this year's economic stimulus package. The newly backed program will expand the credit to include existing home owners.
Under the revised program, those who have owned a home for at least five years will be able to apply for tax credits of up to $6,500 when they purchase their next home. To qualify, buyers will have to sign a purchase agreement by April 30, 2010 and close by June 30.
The maximum purchase price on a home will be $800,000 with vacation homes not eligible. Income limitations are $125,000 for single tax payers and $225,000 for joint filers.
The National Association of Realtors (NAR) and the National Association of Home Builders (NAHB) have been lobbying hard for the extension and expansion of the tax credit. NAR claims that so far, about 1.4 million first-time homebuyers have qualified for the program and they estimated that 350,000 of these buyers would not have otherwise purchased.
The tax credit is also set to be extended for another year for military personnel serving outside of the United States until June 30, 2011.
Senator Johnny Isakson, who heavily pushed for the extension, along with his own version that would have increased the credit to $15,000 stated, "This is probably the last extension."
But, is this really true? When April 2010 comes around and the housing market is still not in full recovery mode, will the politicians be able to let this go and actually come to an end, or could it possibly become a more permanent subsidy?
If you or someone you know is thinking of buying or selling property in Connecticut or is looking to refinance their home in Connecticut -Please give Jon Sigler, Mortgage Banker with Franklin American Mortgage Company, a call! Call Jon at 860-306-8029 or e-mail at jsigler@franklinamerican.com. Be sure to check out Jon's website www.franklinamerican.com/jonsigler and blog at www.activerain.com/jonsigler.
Connecticut Lowest Interest Rate Mortgage Refinance Loans - 3 Ways to Get a Low Rate Refinance
Getting the lowest rate possible when refinancing is very important. If you are looking to refinance to lower your monthly payment the lowest rate will give you the lowest payment. If you are looking to get cash back when refinancing the lower your interest rate the lower your monthly payment. Since not all refinance loans are created equal your should follow these three tips when applying for your loan to get the lowest interest rate mortgage refinance loan here in Connecticut.
1. Refinance It All
If you have a 2nd mortgage or home equity line of credit you may look to refinance both loans together into your new loan. Leaving a 2nd mortgage in place increases the risk of your new loan and can increase the cost of your new loan. Combining the two loans may also reduce your monthly payment compared with the 2 payments. Lets explore both options and find out which is better for you.
2. Don’t Cash Out All Your Equity
Receiving cash back at closing, or "cashing out" can also raise your interest rate. The more equity in your home at closing the lower your interest rate could be, the less equity you have in your home the greater the risk to the lender and in turn the interest rate for your loan. If you plan on "cashing out" we should explore the amount of money you need and if different amount could impact your final cost of your new loan.
3. Lower Your Rate With Points
No one likes points and considering the common thought is that they just pad lenders pockets it is no wonder no one likes them. In reality they will get you a lower interest rate for the life of your loan. Planning in being in your home long enough that they make sense, a doubling or tripling your "investment", we should explore if they make sense. If they will not provide enough return they should be avoided. Before simply saying "No" we need to talk and find out what the options are with and without points and which option is best for you. If your goal is to save money picking the option that saves you the most money is the right option.
Just remember that the lowest interest rate will not always be the cheapest loan. Factor in the cost of closing costs when comparing your options. I look forward to helping you get the lowest interest rate mortgage refinance loan here in Connecticut.
If you or someone you know is thinking of buying or selling property in Connecticut or is looking to refinance their home in Connecticut -Please give Jon Sigler, Mortgage Banker with Franklin American Mortgage Company, a call! Call Jon at 860-306-8029 or e-mail at jsigler@franklinamerican.com. Be sure to check out Jon's website www.franklinamerican.com/jonsigler and blog at www.activerain.com/jonsigler.
How To Request Your Credit Report Checking your credit report regularly is a good move and can help protect you from identity theft, find and correct errors or unauthorized access. The Fair Credit Reporting Act guarantees you access to a free credit report from each of the three nationwide reporting agencies Experian, Equifax, and TransUnion every year. There are some other times you are entitled to your report for free such as, if you have been denied credit or insurance and your credit was a part of that decision; you are unemployed and plan to look for a job in the next 60 days; you are on welfare, or if you live in certain states (Connecticut is not one of them). You can always obtain your report by paying for it (currently no more than $10.50) from each of the bureaus at any time, but hey if it is free that is much better. Why spend money if you do not have to?
How to request your credit report, select in one of the three ways:
Online. Make sure that you visit AnnualCreditReport.com. It is the only authorized source of your free annual credit report. Do not be fooled by impostor sites, or come-on's like "FREE" this or that. You need to be prepared to confirm your identity, that will include the usual name/address/social security number as well as if you have a bill with this or that company and about what the monthly payment is. You also need to make sure you follow the onscreen prompts to make sure you end up back at the AnnualCreditReport.com site so you can request each of your three reports, it is not a one request get all three at one time set up.
By Phone. The phone number to call is 1-877-322-8228.
By Mail. Use this credit report request formto obtain credit report by mail. The link will open a pdf document in a new window. Print the form, complete and mail to: Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The address will also be on the form.
The Federal Trade Commission has a a great website dedicated to obtaining your free annual credit report. Check it out, there is lots of great information there. They remind you anyone Anyone can write a catchy jingle, but only AnnualCreditReport.com provides you with a truly free credit report. AnnualCreditReport.comrequires no hidden fees or trial memberships.
How to request your credit report, there are 3 easy ways to make your request. Pick the option you feel most comfortable with and start protecting your identity, and fixing any errors that you may have on your report. A hint on adding identity theft protection, request one report at a time. Spread your requests out throughout the year (say Experian in February, Equifax in July and TransUnion in September) and be able to check your credit three times a year, not just once.
If you or someone you know is thinking of buying or selling property in Connecticut or is looking to refinance their home in Connecticut -Please give Jon Sigler, Mortgage Banker with Franklin American Mortgage Company, a call! Call Jon at 860-306-8029 or e-mail at jsigler@franklinamerican.com. Be sure to check out Jon's website www.franklinamerican.com/jonsigler and blog at www.activerain.com/jonsigler.
Manchester FHA Mortgage Loan - How to Pick a Lender in Manchester, Connecticut
Picking the right lender can have a large impact on the success of your real estate transaction. Selecting the right lender can help you to ensure you have selected the right mortgage loan for your situation as well as made sure you got a smart economic deal. Remember a great price on the wrong loan is often thousands of dollars more expensive than the right loan, and a great price that never closes is not a great price.
Tip #1- It is best to consult a real estate professional in the Manchester when picking a lender. Real estate professionals will recommend only the best local lenders as they constantly appraise lenders’ ability to deliver loans and contract terms. They will never suggest untrustworthy lenders to their client as the failure of the lender will cause them to lose their clients and good reputation. Hence they usually suggest only extremely well known lenders that they would use for their own mortgages. Ask Brian Burke, Manchester Real Estate Professional who he would recommend for an FHA Mortgage Loan in Manchester, CT. 860-798-3272.
Tip #2- It is better to use a local lender company in Connecticut than opt for online lenders. Local lenders are well versed in the local laws of the Connecticut. They can solve your mortgage problems better when they arise. Online lenders may entice you with paltry savings; however they may not have loan officers capable of evaluating your situation and selecting the best loan for your situation. They may provide you with Good Faith Estimates which are not complete or have errors leaving you with a closing surprise where you needed hundreds or thousands of extra dollars at closing. They are likely not trained to help you to select the right time to lock, it might be RIGHT NOW, and it might closer to your closing, but are simply call center order takes. Ask them what drives mortgage rates, if they say T-Bills, close your browser and call Jon Sigler 860-306-8029. (Hint the right answer is mortgage backed securities)
Tip #3- You must have a face to face meeting with the lender to sign the application, not because it is required with an FHA Mortgage Loan in Manchester but because it makes you feel comfortable. Will they meet you at your home or another location where you feel comfortable? Are they available in the evening when you are out of work? In general do you feel comfortable? A mortgage is not a time to be hustled, or have a beginner handle things. We are working with your largest asset and your largest monthly bill.
Tip #4- Choose only a lender who makes complete disclosure of all aspects of the loan and puts everything in writing. The lender should reveal all fees, payments and if you choose a broker the commission calculations of the loan. As the broker to specify exactly how much they will be making, not a range of 0-2%, or even a round number. Yield Spread or “YSP” is rarely if ever a round number. Costs like property taxes, credit report inspection costs, escrow fees and pest examination fees should also be disclosed upfront. Your lender must furnish you his GFE-good faith estimate within three days of applying for the loan. He must also enlighten you on prepayment penalties that he will impose for loss of profits due to refinancing and rate slashing when you pay earlier than expected. Make sure that the good faith estimate has enough money for being set aside escrows. It is an easy way for one lender to look better than another, but in reality at closing all lenders will collect the same amount regardless of what your loan officer or broker said or showed you upfront. Ask for a written rate lock agreement, that simple document can eliminate a great deal of transaction frustrations. Your rate is not locked at what it shows on the application, it is locked to what shows on your rate lock.
Following these simple tips can help you to select a great lender to help you with your mortgage needs.Are you looking to buy a home in Manchester or the surrounding area? Call Jon Sigler Manchester FHA Mortgage Loan expert at 860-306-8029. He will be glad to meet with you at your home and will put everything in writing to eliminate surprises.
If you or someone you know is thinking of buying or selling property in Connecticut or is looking to refinance their home in Connecticut -Please give Jon Sigler, Mortgage Banker with Franklin American Mortgage Company, a call! Call Jon at 860-306-8029 or e-mail at jsigler@franklinamerican.com. Be sure to check out Jon's website www.franklinamerican.com/jonsigler and blog at www.activerain.com/jonsigler.
Enfield FHA Mortgage Loans - Top 5 Questions About FHA Mortgage Loans
FHA Mortgage Loans are now one of the hottest loans available and considered as one the best ways to fix the housing crisis currently in the US. Started during the Great Depression of the 1930s, the Federal Housing Administration since then secured loans for millions of Americans who want to own a home.
What makes an FHA mortgage loan so great? Here are answers for 5 common questions about Enfield FHA mortgage loans:
1. What are its prime benefits? The ability to purchase a home with less than a 20% down payment along with guidelines which are understanding of first time buyers and those who have had issues in their past. Because the loan is guaranteed by the government lenders are more willing to accept the greater risk presented by a low down payment FHA mortgage loan. Currently the cost of the FHA mortgage insurance is less expensive than PMI or "Private Mortgage Insurance" which has gotten more expensive since the "meltdown". Also PMI requires a down payment of 10% (this could change in the future but was accurate in October 2009 for loans here in Connecticut) where FHA only requires a borrower to put down 3.5%.
2. Who can qualify for this loan? In general terms a borrower can qualify if they have stable employment, good credit (currently a 620 score or greater will indicate good credit), and have the small 3.5% down payment ($3500 per $100,000 of the loan) available. You must also not own another property which has a government guaranteed mortgage on it (FHA, VA or Rural Housing). To confirm you are eligible for an FHA mortgage, please call me. You DO NOT have to be a first time buyer to get an FHA mortgage, and you may get an FHA mortgage again if you have had one in the past.
3. Can someone with blemished credit history qualify? You may have had credit troubles in the past and still qualify for an FHA mortgage. A bankruptcy, a foreclosure, collection accounts, or judgments. You should be able to demonstrate that your troubles are in the past. Each situation is different so if you have blemished credit, please call me. You may be surprised to find out you are able to buy a home right now, if not we can create a plan for you so you can buy a house in the future. It is possible, call me.
4. What information do I need to give you when I apply? We will want to know where you have lived for the past 2 years, your landlords contact information is helpful to have available. We need to know about all the jobs you have had in the past 2 years, including company name, address, phone number, job title and dates of employment. For your current employment we will want a months worth of pay stubs, and your last 2 years W2's. For your down payment we will need your last 2 months bank statements, or last quarters statement. This is a quick overview for a list that applies to you and your situation please call me.
5. Is there a pre-payment penalty? FHA loans do not have pre-payment penalties. You can pay any amount extra from a few extra dollars with each payment or the entire balance in advance.
As you can see an FHA Mortgage Loan is a great way to finance your new home. It could allow you to make a minimum down payment, have just okay credit with troubles in your past and be able to pay the loan off early should the opportunity present itself. A great combination for anyone looking to buy a home. Call me to find out if an Enfield FHA mortgage loan is right for you. 860-306-8029
If you or someone you know is thinking of buying or selling property in Connecticut or is looking to refinance their home in Connecticut -Please give Jon Sigler, Mortgage Banker with Franklin American Mortgage Company, a call! Call Jon at 860-306-8029 or e-mail at jsigler@franklinamerican.com. Be sure to check out Jon's website www.franklinamerican.com/jonsigler and blog at www.activerain.com/jonsigler.
Bristol FHA Mortgage - The Benefits of Prequalifying for a Home Mortgage in Bristol, Connecticut
Getting prequalified for your mortgage loan is a measurement of your commitment and dedication to making an actual purchase of a property in Bristol. This also gives benefits to all three players in the purchase of a home: the buyer, the seller and the real estate agent. Here are a few benefits of getting prequalified for a mortgage before you actually take the time to look for a Bristol home.
Benefits to the seller
Knowing that you are able to purchase their home will bring credibility to your offer.A prequalification letter is a big step in proving that point to the seller.When that letter comes from a company that is local, or the agents have experience can bring more value to that offer as well.Far too often everyone has been left hanging when the processes started with an internet lender who didn’t properly pre-qualify the borrower, or maybe they don’t offer FHA Mortgage Loans in Bristol.
The Benefits to the Real Estate Agent
Any real estate agent in Bristol will tell you that it takes a lot of time and energy to help his clients find their perfect home. If the bank does not approve their buyers loan that Real Estate Agent has lost those hours and revenue.By taking the time to get pre-qualified before looking at homes shows your Real Estate Agent that you are serious and also able to buy a home.
Your own benefits
You will find that your Bristol real estate agent is much more dedicated to giving you the time and energy necessary to help you find a great home. Also, the seller will take you much more seriously when you place an offer, because he can assume that you are able to purchase their home, because you took the time to get prequalified for your mortgage.
There is a lot of free information available to you about buying, selling or investing in Bristol real estate. For complete information about the Bristol real estate market including current homes for sale, property values and mortgage options including Bristol FHA Mortgage Loans more please call me on my cell at 860-306-8029.
If you or someone you know is thinking of buying or selling property in Connecticut or is looking to refinance their home in Connecticut -Please give Jon Sigler, Mortgage Banker with Franklin American Mortgage Company, a call! Call Jon at 860-306-8029 or e-mail at jsigler@franklinamerican.com. Be sure to check out Jon's website www.franklinamerican.com/jonsigler and blog at www.activerain.com/jonsigler.
When buying a home there are things a buyer can do to help the process and things they can do to hinder the process. This excellent post by Dr. Chantal Saucier of Keller Williams Realty Acadiana is an excellent list of do's and don'ts.
For the Mel Brooks fans out there we know that in History of the World Part 1, Moses originally had 15 commandments and he drops one of the tablets, giving us just the 10 commandments. (I like comedies!) So I'd like to add a few additional "Commandments" that I also find valuable and hope that when buying your house you don't drop the 3rd tablet.
1. Keep copies of your pay stubs. 2. Keep copies of your bank statements. 3. If you are going to get a gift, or take money from your 401k talk with me BEFORE taking the money out, or making the deposit. 4. Tell your loan officer what they need to hear, not what you think they want to hear or only what you want to tell them. 5. Find a house you really love, and can afford.
These 10 Commandments home buyers must follow may seem like common sense to many. Buyers, however, can sometimes forget with all the excitement surrounding the buying of their new home. In the past couple of weeks, I have heard of two separate buyers who saw their home loan turned down, and their dream shattered, a few days before closing because they had bought furniture for their new home before it actually became their home. Both of them now have beautiful furniture with no home to put them in.
These two buyers were not my clients but it always hurts when I hear of transactions falling apart for reasons that could have been avoided. These 10 commandments are part of the buyer packet I give all my clients when we first meet and I always stress that once they get pre-approved and the process is started, they can't do anything that might affect their credit.
1. Thou shalt not change jobs, become self-employed or quit your job.
2. Thou shalt not buy a car, truck or van (or you may be living in it)!
3. Thou shalt not use credit cards excessively or let your accounts fall behind.
4. Thou shalt not spend money you have set aside for closing.
5. Thou shalt not omit debts or liabilities from your loan application.
6. Thou shalt not buy furniture.
7. Thou shalt not originate any inquiries into your credit.
8. Thou shalt not make large deposits without first checking with your loan officer.
9. Thou shalt not change bank accounts.
10. Thou shalt not co-sign a loan for anyone.
If you are in the process of buying a home, remember that your credit must not change or be affected in any way until you actually sign the paperwork and get possession of your new home. Lenders will not only look into your credit when you first get pre-approved, they will check it again (and sometimes again and again) before they let you sign the mortgage. If you want to buy new furniture for your home or change jobs, just be patient. There will always be time to do it after the closing.
If you or someone you know is thinking of buying or selling property in Connecticut or is looking to refinance their home in Connecticut -Please give Jon Sigler, Mortgage Banker with Franklin American Mortgage Company, a call! Call Jon at 860-306-8029 or e-mail at jsigler@franklinamerican.com. Be sure to check out Jon's website www.franklinamerican.com/jonsigler and blog at www.activerain.com/jonsigler.
Getting a Fixer Upper in West Hartford - What to Look for in a West Hartford Fixer-Upper
Have you been thinking about getting a fixer upper in West Hartford as an investment that you can repair and sell later? Maybe you want to buy it to live in it. Either way, finding a good one can be a real money-maker. Here are a few ideas of what to look for when you are searching for a Fixer Upper in West Hartford as your next home.
1. Simple Problems -You need to find a West Hartford house that looks incredibly ugly, yet has very simple problems. Painting, flooring and other superficial problems can be a gold mine in an old house. They can prevent a sale even when the West Hartford home is full of potential. Many buyers are scared by even simple repairs, or they can't see through the "ugly" and see the "beautiful" it can be.
2. No Structural Problems - Structural problems in a home are usually too costly to repair, at least they bring great unknowns to the total costs. Some structural difficulties can be difficult to spot, and you may need to call in a professional for a home assessment in order to find them.
3. A Good Neighborhood - Although it is more difficult to find a fixer-upper in a good West Hartford neighborhood versus a bad one, you can spot some hidden gems that can equate to thousands of dollars in the long run. Are you planning on living in the home after it is fixed up, then you will care about the location of the parks, or proximity to your work, and more. Going to Rent the property after think about access to the bus line, and remember the more bedrooms the greater the rental income.
Financing a West Hartford Fixer Upper can be easy if you plan to live in the property afterward. There is a great program that will provide you with the money to purchase the property as well as the money you need to fix up the property. All with an incredibly low down payment! Let me give you all the details of this awesome loan program.
If you need more free information about selling, buying or investing in West Hartford real estate, feel free to contact me. For complete information about the West Hartford real estate market, including the most recent homes for sale including Fixer Uppers, current property values and more please call me on my cell at 860-306-8029.
If you or someone you know is thinking of buying or selling property in Connecticut or is looking to refinance their home in Connecticut -Please give Jon Sigler, Mortgage Banker with Franklin American Mortgage Company, a call! Call Jon at 860-306-8029 or e-mail at jsigler@franklinamerican.com. Be sure to check out Jon's website www.franklinamerican.com/jonsigler and blog at www.activerain.com/jonsigler.
West Hartford Green Home - So you want to buy a green home in West Hartford, but don’t know where to start? There are many points to consider when evaluating if a home is environmentally friendly. Being green is more than just using eco-friendly products. Other items to look at include sustainability and efficiency.
Of course using products that were produced with the environment in mind is important. However, sometime it can be green to use an older product. Recycling vintage products such as antique flooring or decorative hardware is eco-friendly because new materials and energy are not being consumed to create the product and the previously used items are not going to the landfill. New homes and newly remodeled homes are using this practice more and more. A great source in the West Hartford area is The ReCONNstruction Center.
When new items are purchased for a West Hartford green home there are several points to consider. Water and energy consumption are big factors. A green home can appear to be the same as a traditional home. Both homes have toilets, water heaters, showers, clothes washers, and garden irrigation systems. The difference between the two houses is the green home chooses environmentally conscious designed appliances to do the job. A tankless water heater uses less energy to heat because the water is heated only when called for. Traditional water heaters use energy to keep the water in the tank hot 24/7. Showerheads in the bathroom and faucets on all of the sinks can be installed with flow restrictors. This will use less water. A front load washing machine uses much less water than a top load machine, in fact the University of Leeds has designed a machine that uses just one cup of water per wash!
The landscape of a home can tell a lot about how efficient and sustainable it is. The orientation of a home on the land should be eco-friendly. When looking at homes in the West Hartford area notice how the home sits on the property. It should make the most out of daylight. This will reduce the need for heating and lighting. Landscaping is important too. Plants that are native to New England have many benefits over other landscaping. Native plants use less water, need less maintenance, and generally are less susceptible to pests. Other green landscaping practices include a system for gathering rain water and grey water to use as irrigation. Well placed trees can make the property look good and also help shield the home from the summer sun thereby reducing your cooling needs and costs.
Green homes help the homeowner’s budget as well as the environment. Looking at a home which needs renovation, consider a “green” renovation and an FHA 203k loan that allows you to finance both the cost to purchase the property but also the renovations. Get the money to install that super efficient furnace, insulation, energy star appliances and more. Ask me for information about how you can finance your “green” renovations.
There is a lot of free information available to you about buying a green home in West Hartford. For complete information about the West Hartford real estate market including current homes for sale, property values and more please call me on my cell at 860-306-8029 or email me.
If you or someone you know is thinking of buying or selling property in Connecticut or is looking to refinance their home in Connecticut -Please give Jon Sigler, Mortgage Banker with Franklin American Mortgage Company, a call! Call Jon at 860-306-8029 or e-mail at jsigler@franklinamerican.com. Be sure to check out Jon's website www.franklinamerican.com/jonsigler and blog at www.activerain.com/jonsigler.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
The much-anticipated extension to the home buyer tax credit has finally been approved. The Senate's vote yesterday resulted in a 98-0 win and today it was passed in the house. The bill now moves to the President's desk for a final signature. 
These 10 Commandments home buyers must follow may seem like common sense to many. Buyers, however, can sometimes forget with all the excitement surrounding the buying of their new home. In the past couple of weeks, I have heard of two separate buyers who saw their home loan turned down, and their dream shattered, a few days before closing because they had bought furniture for their new home before it actually became their home. Both of them now have beautiful furniture with no home to put them in.
problems. Painting, flooring and other superficial problems can be a gold mine in an old house. They can prevent a sale even when the West Hartford home is full of potential. Many buyers are scared by even simple repairs, or they can't see through the "ugly" and see the "beautiful" it can be.
West Hartford Green Home - So you want to buy a green home in West Hartford, but don’t know where to start? There are many points to consider when evaluating if a home is environmentally friendly. Being green is more than just using eco-friendly products. Other items to look at include sustainability and efficiency.
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