Real estate blog entries tagged with middletown by George Souto, Your Connecticut Mortgage Expert (George Souto NMLS #65149 FHA, CHFA, VA Mortgages)

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middletown: 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)

middletown: Almost Speechless Sunday - 11/08/09 01:05 PM

This is a picture that my brother just took in his back yard in Arizona. It is almost as if the Hawk was posing for him :)

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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
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middletown: 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
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middletown: 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)

middletown: Wordless Wednesday - 08/26/09 07:02 AM

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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
… (27 comments)

middletown: Are We Taking Advantage Of Our Seasons??? - 08/22/09 12:41 PM

The last few days have been really hot sticky humid days here in Connecticut, so I have been having to water the grass and flower more so than usual. As I was watering the flowers in front of the house I started to notice that they were beginning to show signs that summer is coming to an end and that fall is around the corner.
It is amazing how mother nature knows what time of the season it is, no matter what the weather is like it knows its time. It knows when it is time to bloom and when … (16 comments)

middletown: Are You Ready For This Weekend!!! - 08/20/09 06:53 AM

This is a huge weekend for Yankee and Red Sox Fans. This weekend will determine if the Red Sox stand a chance to compete for the American League East Division Championship, or have to fight for their life for a Wild Card spot.
The Red Sox started out the first half of the season with a bang, by sweeping the Yankees 8 straight games. But the second half of the season has not been kind to the Red Sox, and the last time the two teams faced each other the Yankees swept the Red Sox 4 straight games.
This weekend they … (20 comments)

middletown: Mortgage/Loan Programs with Low or No Downpayment Still Available In Connecticut .... Introduction - 08/13/09 01:11 PM

Over the next two weeks I will be writing a series of blogs about Mortgage/Loan Programs with Low or No Downpayment Still Available In Connecticut. The series of Blogs will cover Connecticut Housing Finance Authority (CHFA) Mortgages, USDA Mortgages, VA Mortgages, and FHA Mortgages. I will be concluding the series with two blogs that will cover what a Borrower should do to prepare themselves for the Home Buying Process, and help them determine which Loan is best for you for them.
I decided to write this series Mortgage/Loan Programs with Low or No Downpayment Still Available In Connecticut, because of the … (9 comments)

middletown: Wordless Wednesday - 08/12/09 12:20 PM

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Info about the author:
George Souto is a Loan Officer who can assist you with all your FHA, CHFA, andConventional 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
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middletown: Roofing Company Of Choice In Middletown, Connecticut. - 07/23/09 04:01 AM

After 32 years I finally had to replace my roof, and when that time came to find Roofers in Middletown, CT., there was no question in my mind as to who the "Roofing Company Of Choice In Middletown, Connecticut" would be, Turner & Sons. Turner & Sons have been replacing roofs windows, and siding in the Middletown Connecticut area since 1956. Hayden Turner, the father and owner, is not only a professional in the way he runs his business, but has also been a tremendous asset to the community out the years through his involvement in civic, charitable, sports … (10 comments)

middletown: Wordless Wednesday ....... On The Look Out. - 07/22/09 05:17 AM

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Info about the author:
George Souto is a Loan Officer who can assist you with all your FHA, CHFA, andConventional 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
… (13 comments)

middletown: Do You Have A Purpose??? - 07/21/09 06:27 AM

Most Sales People have goals, whether they are put in writing or not. But how many of us know what our purpose is, or even ashed ourselves what our purpose is. You might ask what is the difference, aren't goals and purpose the same? I would say they are not.
We can have a purpose in life or in business without any particular goals attached to that purpose. But I do not think that we can have goals with out a purpose, and if we do, then that might be the reason why we fail to meet our goals.
Purpose in … (17 comments)

middletown: Things Get Done When We All Cooperate. - 07/20/09 12:27 PM

Three weeks ago I got a call from the local William Raveis Real Estate in house Loan Officer. She had a loan that met FHA Guidelines, but she could not get an approval on it, because their investor did not like the limited number of credit lines that the Borrower had. I wanted to make sure that I would not have the same problem so I went over to my Underwriter and ran the scenario by her. She told me that we would not have a problem with that and to bring the loan in. I called the other Loan Officer … (8 comments)

middletown: Speechless Sunday - 07/19/09 12:55 PM

middletown: New Truth In Lending Guideline Changes Will Have A Major Impact On Closings #2 - 07/18/09 09:33 AM

Yesterday I wrote the first of two blogs introducing the New Truth In Lending (TIL) Guideline changes. In this second blog I will go into more detail as to why I feel that these changes will create significant delays in the Loan Closing Process.
First let me recap the four major changes that will go into affect at the end of the month:
As of July 31 ALL Loan transactions will require that the initial Truth In Lending (TIL) statement be issued within 3 days of the Loan Application, and no Loan Transaction will be allowed to Close before the 7th … (12 comments)

middletown: New Truth In Lending Guideline Changes Will Have A Major Impact On Closings #1 - 07/17/09 12:57 PM

For those of you that have not heard yet, there are New Truth In Lending Guideline changes that will take affect at the end of the month, which will have a major impact on Closing Dates for ALL transactions. We will also be seeing RESPA changes by the end of the year, but I do not have any details on those yet.
The purpose and motivation behind the New Truth In Lending Guideline changes is to provide an upfront disclosure to consumers so they will know their fees & charges on the mortgage and have an opportunity to shop before the … (10 comments)

middletown: Change To The Connecticut Housing Finance Authority (CHFA) Connecticut Families Program. - 07/16/09 11:36 AM

On April 18th of this year, I wrote a blog "Connecticut Housing Finance Authority (CHFA) CT Families New Refinance Program" on a new Connecticut Housing Finance Authority (CHFA) program called CT Families.
On July 10th Governor Rell signed a bill which expands the eligibility for the CT FAMLIES program. The new legislation now allows for delinquent homeowners with any type of mortgage (fixed rate mortgages, adjustable rate mortgages, interest only mortgages, etc) to be eligible to refinance under this program. Previously, only delinquent homeowners with Adjustable Rate Mortgages were eligible.
This should provide additional help to families who have fallen … (10 comments)

middletown: Wordless Wednesday - 07/15/09 02:42 PM

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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
… (13 comments)

middletown: Food For Thought #2 - 07/14/09 09:20 AM

As I stated in my blog yesterday, I have been in Sales for over 34 years, and there are two things that are closely related, and seem to be a constant regardless of what type of Sales Field a sales person is in. I covered the first one yesterday which focused on continuing to do the things that work for you, and build upon them with new ones. I particularly questioned why new sales people seem to stop doing the things that are working for them, in hopes of some new gimmick that has not produced any results for them yet.
… (34 comments)

middletown: Food For Thought #1 - 07/13/09 07:12 AM

I have been in Sales for over 34 years, and there are two things that are closely related, and seem to be a constant regardless of what type of Sales Field you are in. I will cover the first one in this blog and the other hopefully tomorrow.
The first one is, and this never stops amazing me, is that Sales People are always looking for new ways to do things, or that will generate more business. Now before you say what is wrong with that, there is nothing wrong with that, but what amazes me is that when they find … (18 comments)

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