"Christmas, children, is not a date. It is a state of mind." Mary Ellen Chase. What better way to get the children in the Christmas state of mind that a visit to Santa at the Enfield Square Mall?
Santa will be arriving at the Enfield Square Mall (Target entrance) on November 21st at noon on a bright red fire truck. From November 21st until Decmeber 24th kids of all ages can visit Santa in the Center Court of the mall. Have pictures taken with Santa. Tell him what you want for Christmas, maybe it is your two front teeth, maybe you need to lobby with him to not get coal this year, or you want to ask for what might be the hottest, hard to get gift this year the Zhu Zhu Pet Hamster. Who knew?
Not to leave out the four legged members of the family, Thursday December 10th from 4:00 - 7:00 pm bring your dogs to the mall and have their pictures taken with Santa.
When will Santa be there each day? Call the Mall office at (860) 745-7000 or email them.
The Enfield Square Mall is located at 90 Elm St. in Enfield, CT. You can visit Enfield Square by taking Interstate 91 and exiting on Exit 47E or Exit 48.
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 purchasing a HUD home, there are misconceptions to replace with facts and advantages to consider. The following is information about the purchase of Arizona HUD homes.
First, exactly what is a HUD home? When a home is purchased with a FHA (Federal Housing Administration which is a sub-agency of HUD) insured loan and the borrower defaults on the loan, the lender may file a claim against the FHA insurance fund and convey ownership to HUD who then sells the home at market value to get back some of the loss from the foreclosure.
One misconception I have heard is that HUD homes are always in poor condition. I find that just like bank owned or short sales, HUD homes can be very clean and well taken care of or a disaster or anywhere in between. One of the advantages to a HUD home is that before HUD homes are listed, HUD orders an appraisal and property/pest inspection of the home. Anyone can go to the HUD website http://www.mcbreo.com/and read the report to see the condition of the property before viewing it.
If the property inspection determined that the property needs repairs but less than $5,000 and the buyer is using an FHA insured loan, for the home to be eligible for the FHA loan an escrow repair is established to cover the costs of the repairs to the home. The costs of the repairs are included in the loan amount and repaid by the borrower as part of the house payment.
It is advised that a potential buyer conduct their own home inspection by hiring a competent inspector. HUD homes are sold in "as-is "condition and HUD makes no warranties or quarantees about the condition of the home and will make no repairs. This is also the case in the purchase of a lender owned foreclosure property.
Another advantage for owner occupants (person that will live in the home as his or her primary residence within 30 days of the close of escrow) who are interested in purchasing a HUD home is that during the first 10 days a HUD property is listed to the general public, there is no competition from investors. Bids from Owner Occupant Purchasers only are accepted. All bids placed by Owner Occupants that are submitted during those ten days are opened on the 11th day and are considered as though they were received simultaneously. If there is no winning bid during those ten days the bidding is opened to include investors.
Another misconception is that HUD provides loans to persons who would not under other circumstances qualify for a loan. HUD does not provide financing for its properties. Before a person can place a bid on a HUD home they must be pre-approved for a real estate loan or have proof of sufficent cash to purchase.
A great advantage for those who do not have the downpayment required for a typical loan is that a buyer can purchase a HUD home for as little as $100 down. It is important to discuss the costs with an experienced lender and the price to bid with a HUD approved agent. Before a bid can be submitted, the buyer must have on deposit with the real estate broker an earnest deposit check. If the purchase price is $50,000 or less the required check amount is $500. If the purchase price is more than $50,000 the check amount is $1,000. Any unused portion will be reimbursed to the buyer at close of escrow.
The advantage of the sealed bid process is it eliminates many of the hassles associated with the typical lender owned or preforeclosure transaction where bidding wars and long waits are common. If during the first ten days of owner occupant bidding, no offer is accepted, bids are reviewed daily and the bidder with the winning bid is notified the following day. If more than one acceptable bid is placed, the bid with the highest net amount to HUD wins the sale.
If you have hesitated about considering purchasing a HUD home, realize that these properties open up another opportunity for purchasing a home at an afforadable price. With the assistance of an experienced HUD approved agent and a lender who understands the process, replace the misconceptions with facts and consider the advantages of purchasing a HUD home.
The process for buying a HUD home is different from a normal home purchase. Access to view HUD homes and place bids is restricted to a HUD approved real estate agent. For a partial list of AZ HUD homes http://www.eastvalleyphoenixhomes.com/hudhomes.html).
To get a list of all HUD homes that meet your criteria or to discuss if a HUD home purchase would be in your best interest, call Deanne Olivas, an approved HUD agent, at American Allstar Realty 480 452-5567.
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.
As builders draw up blueprints for the house of the post-recession future, builders are struggling to distinguish among what home buyers need, what they want and what they can live without!
Most builders say the post-crash buyers of new homes want smaller and simpler. I'm seeing they are attracted to quality not quantity. Some of the things the home buyer appears not willing to give up is 4 bedrooms, a powder room down, at least a 2 car garage, a master bedroom with its own bath (with separate shower and tub) and granite countertops!
For the first time in almost four decades in the luxury-home market executives of many builders are thinking the unthinkable: Maybe houses don't need 4,700 square feet of living area, or fireplaces or private theaters with 100-inch screens or supersized foyers!
The American housing market continues to drag, with the Mortgage Bankers Association reporting last week that applications for home-purchase loans have hit a nine-year low. U.S. home sales of newly built homes have fallen sharply as well, from 1.3 million in 2005 to 485,000 in 2008. But, people will always need to move...some to new jobs across the country, some into smaller homes now that the kids are off to college and some to larger homes with expanding family.
The main ingredient changed in the buying decision is the "impression factor". We had an ego-driven market where "bigger" was considered better and now "conservative" translates to "smarter". Resale has just become the "key" in home sales. Sometimes less is more.
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.
Thanks to Xerox sending out a Thank You card to our soldiers is simple, fast and free.
At this time of the year we can take some time out to teach our children about giving thanks and living in gratitude. The best way of course to teach gratitude is by being a good example of being in a thankful state of mind.
You can gather your children around your computer right now and go to this site:
All you do is click on the card you want to send and then click on what you want the words on the text side of the card to say. You don't even have to think to do this because it is all done for you. You just have to choose the card and the text out of the ones on the site. Then you just click send.
Xerox prints out the postcards and then these cards go into the care packages that Givetothetroops® sends to our soldiers. What a gift Xerox is giving to the troops. I really appreciate a company setting a great example like this. The cards have all been designed by children and are patriotic. There are many patriotic symbols and messages to choose from.
Here are some of the comments sent back by different servicemen and women:
To all who have supported us,
I would like to take this opportunity to say thank you from myself and my fellow Marines. Your packages and well wishes have lifted our spirits at a time when we are so far away from our friends and family. I wish you could have seen the bright eyed looks and utter excitement from the Marines when opening the boxes. It was a true blessing that you made happen. It makes us proud to know that our fellow Americans care as much as we do. It makes the sacrifices we and our families make worth every minute we spend here. We Americans can stand shoulder to shoulder in unison on one thing - we're all proud of our country and we're all proud of each other. The effort you make on behalf of the troops is just as important as the work we are doing here and around the world.
- A Gunnery Sergeant
As I was leaving an un-eventful Valentine's Day today, one of the mail clerks yelled "Adams!! You have a package!!" A package, I thought to myself. I'm not expecting anything. What could this be? I took the box into my office and closed the door. As I opened the box, a flood of joy came over me as I looked over the cards from you and the young ones, one of my co-workers walked in to see tears rolling down my eyes. I had never received a gift with this much love, packed into one little place from someone that I've never known.
As I thought about what the cards talked about with soldiers giving their lives and privileges up to ensure the freedom of Americans, it was nice to know that someone out there does not take it for granted. I don't know who you are, but you are truly a gift from God. The gift that gives me the drive to serve my country proudly. As you pray that the Lord keeps the soldiers here safe and brings us home, I pray to the Lord that people like you do not die off from this world. Your contributions are nowhere near inadequate. Please never forget what this means to a soldier. Thank you for your love and thoughts.
Please be kind- take a moment out of your day to send a card for free to a soldier today. Please Reblog!
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.
The current real estate and foreclosure crisis began two or three years ago. Since then homeowners have been trying to modify their home loans. As a result, banks are overwhelmed with loan modification requests and short sale requests. Many banks were unprepared for the number of requests received. All of this equals up to homeowners who qualify for home loan modifications being left in limbo while they wait for answers. Often this process comes at the worst time... in the middle of a foreclosure proceeding.
The government did come through to help with this problem, which was President Obama's Home Affordable Plan. HAMP (Home Affordable Modification Program) is a $75 billion program designed to help people afford their mortgages and stay in their homes. One program it funds is a home loan modification program. Lenders are encouraged to assist borrowers who are having trouble keeping up with their monthly mortgage payments. The banks are rewarded $1000 for each home loan modification that they complete, so they are more than willing to help. Also, they are more than likely to make more from the renegotiated loan than they are from the foreclosure.
A home loan modification is a renegotiation of your mortgage. This modification can reduce your interest rate; change your rate from variable to fixed, or even both. It can extend the duration of the loan (usually up to between 30 and 40 years). It can even lower the principal for borrowers whose homes have lost their value. It can also take a mortgage arrearage and put it at the end of the mortgage, sometimes called a balloon. Any one of these changes can mean the difference between the homeowner keeping their house or losing their house. Fortunately for borrowers in Connecticut, mediation is mandatory in most foreclosure cases, and the banks must participate in good faith in the process. So there will be an opportunity to attempt a mortgage modification during the foreclosure process.
If the lender doesn't renegotiate, then the other alternatives could be a Chapter 13 Bankruptcy (see my recent article on bankruptcy) or a short sale.
A short sale is when the homeowner sells the house for less than what is owed to the bank, and the bank accepts the money and erases the rest of the debt. Banks will sometimes do this because it is preferable to them owning a house it may take months to sell under in the current housing market. Often a short sale is negotiated by an attorney with bank or its representatives (often their attorneys). But realtors are critical to this process. Often the bank will want to know how aggressively the property was marketed. The bank will want to know how long it has been on the market, how many showings, how many open houses and how many offers the owners have received. It is critical that the realtor maintain this information accurately and be able to deliver it quickly. The bank wants to be assured that the house is being sold for the highest possible price before it releases its mortgage.
I hope that this information has been helpful. If you have any questions, please fee free to contact me at garcaro@bpslawyers.com.
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.
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.
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.
children in the 
As builders draw up blueprints for the house of the post-recession future, builders are struggling to distinguish among what home buyers need, what they want and what they can live without! 
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. 
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