cromwell: Cromwell, CT Summer Outdoor Concerts 2014 - 07/12/14 09:57 AM


 
Cromwell, CT Summer Outdoor Concerts 2014 start this Wednesday July 16th.  All Concerts held outdoor at Pierson Park, in Cromwell, CT., and will start at 7:00 pm.  In case of rain the Concerts will be move indoor to Town Hall.
If you are going to attend one of the Cromwell, CT Summer Outdoor Concerts 2014, make a whole evening of it, arrive early and picnic before the concert beginnings.  Make sure you bring your lawn chairs, or blank so that you are comfortable.
Pierson Park is very easy to find, it is off West Street, near the corner … (0 comments)

cromwell: Cromwell, CT Youth Football & Cheerleading 2014 - 07/12/14 09:50 AM
 

 
Cromwell, CT Youth Football & Cheerleading 2014.  Registration for the 2014 Season is now open. If you live in Cromwell, Connecticut, and have a child between the ages of 6 - 13, you can start signing them up for Football and Cheerleading. This is an opportunity to get your son or daughter involved in a community sports program, and make some new friends.  And who knows may be it is your son that wants to Cheer, and your daughter who wants to play Football.
You can register you child for the Cromwell, CT Youth Football & Cheerleading 2014 … (0 comments)

cromwell: 2013 Middlesex Chamber of Commerce Business to Business Expo In Cromwell, CT. - 10/28/13 04:50 AM

  Tomorrow is the 2013 Middlesex Chamber of Commerce Business to Business Expo In Cromwell, CT.  This event only comes around once a year, and it is not only a great time to checkout many of the area business, but it is also an excellent time to network.  The 2013 Middlesex Chamber of Commerce Business to Business Expo In Cromwell, CT is also a great way for area business to show off what they have to offer.    I have attend this Middlesex Chamber Of Commerce Event for the last 8 years, and have always found it to be well … (3 comments)

cromwell: Cromwell, CT Summer Concerts - 07/09/13 11:22 AM


 
Cromwell, CT Summer Concerts starts this Wednesday July 10th and runs through Wednesday August 6th.  All Concerts held outdoor at Pierson Park, in Cromwell, CT., and will start at 7:00 pm.  In case of rain the Concerts will be move indoor to Town Hall.
If you are going to attend one of the Cromwell, CT Summer Concerts, make a whole evening of it, arrive early and picnic before the concert beginnings.  Below is a list of dates and performers for the month of July.
July 10, 2013 Island Girl - Nelson Rivera Lead (Calypso & Raggae July 17, … (4 comments)

cromwell: Middlesex County Chamber Business After Work Courtyard Marriott, Cromwell, CT - 06/19/13 12:18 PM

 
Middlesex County Chamber Business After Work Courtyard Marriott, Cromwell, CT.  The Middlesex County Chamber of Commerce will be holding one of my top two favorite Business After Work Events of the year next Monday June 24.  The Courtyard By Marriott in Cromwell, Connecticut does an absolute fantastic job on the Business After Work Events that they have hosted in the past, and as a result draw a large number of attendees.  What that all means is great food, and even better networking opportunities. 
This is a Business After Work Event that I looks forward to every year, and … (6 comments)

cromwell: Touch a Truck, In Cromwell, CT 2013 - 06/05/13 12:41 PM

 
If you have not taken your kids to a Touch a Truck event, then you need to gather up the family and head to Pierson Park in Cromwell, Connecticut, to the Touch a Truck, In Cromwell, CT 2013 event this Friday, June 7th from 4-8 pm.  These events were not around when my kids were younger, but if they were I would have taken them every time one was being held close by.  Kids love big trucks, especially big Fire Trucks.  How excited do you think they will be when they will not only have a opportunity to be … (5 comments)

cromwell: FHA Condominium Expiration Dates Extended - 12/10/10 05:57 AM
FHA must be hearing the outcry because this week FHA Condominium Expiration Dates Were Extended.  This is a much needed and positive move on the part of FHA in my opinion. 
The reality of what was going to happen once Condominium Complexes started to come off the FHA Approved Condo List did not begin to hit home until the dead line was upon us, and Condo's that had been FHA Approved no longer were.  Condominium Owners that were trying to sell their Condo's were not happy with their Condo Management Firms that they had not Re-Certified the Complex, and now the number … (32 comments)

cromwell: Assuming A Mortgage - 11/13/10 06:32 AM

 
This past week William Walton asked me if I would post a blog on Assuming A Mortgage.  William has been getting some questions on what is involved in  Assuming A Mortgage and wanted to see what is involved in doing that.
First of all an Assumption of a Mortgage is in the simplest terms:
An agreement between the buyer and seller where a buyer takes over a seller's mortgage and becomes responsible for making the monthly payments.
This can be a big advantage to both the Buyer and the Seller.  The Buyer purchases the house without incurring some of the … (27 comments)

cromwell: Decline In The Number Of Mortgage Loan Officers In Connecticut. - 11/01/10 10:29 AM
As of today ALL Mortgage Loan Officers who do not work for a depository institution (Banks, Credit Unions, etc.) need to be licensed in Connecticut.  This will have in my opinion a major impact and Decline In The Number of Mortgage Loan Officers In Connecticut.
As I wrote back on August 11th of this year "Make Sure Your Mortgage Loan Officer Is Licensed" as of yesterday Mortgage Loan Officers and Brokers who do not work for a depository institution, needed to have taken a National Test and Connecticut Licensing Test, and past them with a score of 75 or higher in order to obtain … (20 comments)

cromwell: Strategic Defaults Are A Contributor To Guideline Changes - 08/28/10 12:36 PM
I posted a blog yesterday "Strategic Defaults are a big part of the problem" giving my reasons why I feel that Strategic Defaults Are A Contributor To Guideline Changes, and that i would post another blog to point out some of the Guideline changes that have come about because of Foreclosures and Shortsales. I feel very strongly about this issue, because I see firsthand every day the impact that Foreclosures are have on the ability of others to purchase a home, that anything that voluntarily further contributes to that is inexcusable in my opinion.  Strategic Defaults are completely voluntary and a CHOICE … (72 comments)

cromwell: Strategic Defaults Big Part Of The Problem. - 08/27/10 06:16 AM
Lending guidelines have been tightening and will continue to tighten for the foreseeable future, and Strategic Defaults are a big part of the problem why this is happening.  Before I go any further I want to give my definition of what I understand a Strategic Default to be:
Strategic Default: A foreclosure that results NOT from the Homeowners inability to make his/her mortgage payment, but as a result of the Homeowners CHOICE to not make the mortgage payment, because the property has decreased in value and presently is no longer worth what they paid for it.
This blog is written based … (27 comments)

cromwell: Newest Pre-Approval Letter Myth - 07/20/10 01:26 PM
Lenn Harley wrote a blog on Sunday in which she rightfully questioned the accuracy of what was being stated on another blog about Pre-Approval Letter. The writer of the blog that Lenn was questioning, stated that her Loan Officer had informed her that he would no longer be able to provide her with a Pre-Approval Letter for her Buyers because of restrictions imposed by RESPA. This information was incorrect, Pre-Approval Letters are very much alive and well. But before I go any further let me give three very quick definitions of what I consider a Pre-Qualification Letter, Pre-Approval Letter, and a … (59 comments)

cromwell: Washington DC Cathedral - 06/07/10 10:54 AM
Yesterday I posted a blog with a picture that I took on my recent trip to Washington DC of the exterior Washington DC Cathedral.  Ann Hayden in one of her comments asked where the pictures were of the inside of the Cathedral.  So for my friend Ann, here are four of the pictures that my wife took.  Hope you all enjoy the pictures.

 
 
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Info about the author:
George Souto is a Loan Officer who can assist you with all your FHA, CHFA, and Conventional mortgage needs in Connecticut. George resides in Middlesex County which includes Middletown, … (23 comments)

cromwell: Almost Speechless Sunday - 06/06/10 02:56 PM
Last week I spent Memorial Day Weekend in Washington DC.  I have lots of pictures that I need to take the time to post and share, but this one I felt could not wait.  It is of the Washington DC Cathedral and it is an incredible structure.  Many of you might have seen it or have been to it when in Washington, but for those of you that have not it is truly a must see when in Washington DC.

 
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Info about the author:
George Souto is a Loan Officer who can assist you with all your … (35 comments)

cromwell: Connecticut Housing Finance Authority (CHFA) 4.375% 30 Year Fixed - 12/17/09 04:32 AM

 
The Connecticut Housing Finance Authority (CHFA) is at 4.375% for a 30 Year Fixed for the forth consecutive week.  This is the lowest that I can remember the CHFA Interest Rate being at, and the fact that it is at that rate for a forth consecutive week is amazing.
The rate gets even better if the Borrower is a Teacher, Military Veteran, Buyer purchasing in a Targeted Area, or a Police Officer in a participating town.  If a Borrower is in one of these special categories they will receive and additional .125% to .250% off the rate.
The CHFA … (12 comments)

cromwell: We Lucked Out - 12/06/09 11:28 AM

 
Well we lucked out.  I wrote a post yesterday as our first snow fall for the 2009-1010 Winter Season was arriving.  We were expecting 1-3 inches here in Middletown, Connecticut, and we lucked out in being on the lower end of that range.
I love New England and one of the things that I love most is our unpredictable weather, and this past week was an excellent example of that.  During the beginning of the week the temperature was mild and in the 40's and 50's, on Friday it was about 70 degrees depending on where you were in … (26 comments)

cromwell: First Snow Fall Middletown Connecticut 2009-2010 Winter - 12/05/09 12:20 PM

 
It is 5:30 PM and the first snow fall in Middletown Connecticut for the 2009-2010 Winter Season has arrived, and I am sure that this will be the first of many.  We are suppose to get 1-3 inches so I might not have to break out the snow shovels, hopefully the morning sun will melt it a way. 
My wife loves the snow, but has never shoveled it, maybe I will get her, her first snow shovel this Christmas since she like the white flaky stuff so much.  Good thing she does not read my blogs so it can … (20 comments)

cromwell: Foto Friday - 10/30/09 12:27 PM

 
Not often that I get to see an almost full moon while it is still day light.  Who knows maybe we will have a full moon for halloween.
 
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Info about the author:
George Souto is a Loan Officer who can assist you with all your FHA, CHFA, and Conventional mortgage needs in Connecticut. George resides in Middlesex County which includes Middletown, Middlefield, Durham, Cromwell, Portland, Higganum, Haddam, East Haddam, Chester, Deep River, and Essex. George can be contacted at (860) 573-1308 or gsouto@mccuemortgage.com
(28 comments)

cromwell: FHA Appraisal Expiration ........... Change - 10/28/09 07:15 AM
The third and last change that we have been notified of this week is a change to FHA Appraisal Expiration.  FHA Appraisals use to be good for six month, this was both good and bad.  Good because if an appraisal was done on a property, and the deal fell apart, the appraisal would still be applicable for a six month period, and the new Buyers/Borrowers would continue to use the same appraisal, because it was attached to the FHA Case Number.  Therefore, they were able to save money on an appraisal.  The Bad part is that if the reason for the … (21 comments)

cromwell: FHA Streamline Refinance .......... Change - 10/27/09 12:51 PM
The second up coming change that Kim Neilson our Senior Vice President at McCue Mortgage recently made us aware of, are changes to FHA Streamline Refinancing.  Unlike the up coming change that I wrote about yesterday, this change will only affect existing FHA Borrowers, but given the number of FHA Loans that have been done over the last few years, this change will still an impact on a significant number of homeowners.
The up coming changes to the FHA Streamline refinance guidelines will become effective with FHA case numbers assigned on or after 11/18/09, and are as follows:
Borrower must be receiving a net tangible … (15 comments)

 
George Souto, Your Connecticut Mortgage Expert (George Souto NMLS #65149 FHA, CHFA, VA Mortgages) Ambassador large

George Souto

Your Connecticut Mortgage Expert

Middletown, CT

More about me…

George Souto NMLS #65149 FHA, CHFA, VA Mortgages

Address: One Liberty Sq., PO Box 1000, New Britain, Ct, 06050

Office: (860) 573-1308

Mobile: (860) 573-1308

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