Mortgage and Lending
George Souto
Mortgage Loan Originator who can assist you with all your mortgage & refinancing needs in CT, & RI, & a FL Licensed Lender.
Cell: (860) 573-1308
Office: (860) 573-1308
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Real Estate Agent
Ed Silva
I work hard to represent my selling or buying clients to get them their best deal. My primary market area is the Central Connecticut towns.
Cell: 203-206-0754
Office: 203-758-6440
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All About Connecticut Real Estate

By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
It's Showtime for College Basketball and Connecticut is ReadyIt is almost impossible for anybody to not know what the term March Madness means. If you don't know, then it is the zaniness and the competition of the best in men's and women's basketball competing over 4 weeks to determine the National Champion.The games start tonight in Las Vegas for the men, and on Friday the start for the women in Seattle. These dates are for the UConn men and women. All are competing in a win or go home to see who will play for the National Championship next weekend.This year among the 16 teams on each side, there are 4 college that can boast of having their men's and women's teams still competing. They are Miami, FL, Tennessee, UCLA and UConn.This has been done only 2 times in the sport. In 1984 Divisi...
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By Patricia Feager, MBA, CRS, GRI,MRP, Selling Homes Changing Lives
(DFW FINE PROPERTIES)
Congratulations Ed Silva! Fully completing the March to a Solution|ActiveRain 2023 Challenge has earned you the right to receive a "Virtual Handful of Gold!" Some real estate agents sell quickly and they advertise how fast they are by marketing how great and good they are. That may be true, but it really all depends. Buying a home is the most expensive purchase most buyers will ever purchase. However, experienced agents, like Ed Silva make a difference. Reading what Ed wrote, he takes extraordinary measures to listen to clients to achieve their goal to help them obtain what they perceive is something of value. During a Seller's Market, it is very challenging when there is strong competition from competing buyers locally and out of state, low inventory, a strong offer price to the seller...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
What’s My Wolcott CT Home’s Value February 20231Wolcott CT is a town bordered by Bristol and Southington in Hartford county, and Waterbury in New Haven county. It is primarily a suburban town located 80 miles from New York City with a commute of 20 miles to Hartford and 30 miles to New Haven. Only slightly greater than 50% of the towns land is developed as residential housing and commercial, light industrial businesses.Currently in Wolcott CT there are 8 active residential listings for sale. The homes for sale in Wolcott CT range from a 905 square ft, 3-bedroom cape listed at $299,900 to a 8,947 square ft, 6-bedroom colonial listed at $1,150,000.Search for Homes in Wolcott CT The average list price of the homes currently available for sale in Wolcott CT is $579,325. The average days on ...
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By Westchester Modular Homes Inc, Serving NY, NJ, PA, CT, NH, RI, MA, VT & ME
(Westchester Modular Homes Inc)
YOU ARE INVITED... Please RSVP TODAY for our IN-PERSON ON-LOCATION FACTORY & MODEL HOMES TOUR on April 1st 2023 at https://www.wmh-factory-tour.com/ if you like to explore how we can help you design and build your dream home... bring any custom home plans you may have or may be considering for a free no obligation evaluation... complimentary lunch and refreshments will be served...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
Friday Flags: Waving Proudly in Cheshire CTI was driving along Rt 10 in Cheshire and a spot of color caught my eye. I took a quick detour into the parking lot of the Big Y grocery store just for the shot.I don't know why it wasn't at full mast as other flags in town especially in front of the post office where up, just not billowing. As I started to drive away, I took a second look and as I couldn't resist, I took another.A double shot won't harm and as they were both special, I'll share both.Friday Flags: Waving Proudly in Cheshire CT 
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By Patricia Feager, MBA, CRS, GRI,MRP, Selling Homes Changing Lives
(DFW FINE PROPERTIES)
Congratulations to George Souto for fully completing the March to a Solution|ActiveRain March 2023 Challenge. I hereby present him with two virtual hands full of gold! George! You deserve it!It is always good to hear from a Mortgage Lender. Here on ActiveRain, we are very fortunate to have George Souto. A good person to build a business relationship with in the real estate industry is a trustworthy Mortgage Lender, like George. Because when you do, you have a business friend for life.There is always a reason why buyers can't get a loan approved and George has heard it all. I have a sneaky feeling, not many Lenders go home to their significant other and upon opening the door, the spouse says, how was your day honey?Until the Lender gets all the necessary documentation, which really is no...
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By George Souto, Your Connecticut Mortgage Expert
(George Souto NMLS #65149 FHA, CHFA, VA Mortgages)
This month Patricia Feager and Kathleen Daniels are hosting the March challenge titled  "March to a Solution | ActiveRain March 2023 Challenge"  Patricia and Kathleen are asking us to share issues we have encountered during our professional career in Real Estate, which may help others to avoid and hopefully resolve. My first submission into this challenge was "Easy-Peasy, Wrong!!! which was about a Borrower who made what should have been an easy loan very difficult. The second entry was about "Stupid Things Sellers Do That Cause Mortgage Loans To Fall Apart".  This third and final submission is about a Borrower who almost left me speechless.It Is Amazing The Questions We Are Asked.  The other day a Borrower I had given a pre-approval letter to about 6 months ago called me.  I had worked...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
What's My Watertown CT Home Worth? February 2023 Watertown CT is a town in Southeastern Litchfield County, Connecticut.  The ZIP codes for Watertown are 06795 (for most of the town) and 06779 (for the Oakville section). It is a suburb of Waterbury, CT.  It's population is app 23,000 and has a town manager form of government.   It occupies an area of 29.5 sq miles.  It is also a gateway to Litchfield county along the eastern end. Currently in Watertown CT there are 12 active residential listings for sale. The homes for sale in Watertown CT range from an 1,208 square ft, 3-bedroom cape listed at $179,900 to a 6,109 square ft, 7-bedroom, colonial listed at $749,000.  Search for Homes in Watertown CTThe average list price of the homes currently available for sale in Watertown CT is $528,617...
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By Jon Sigler, Sigler Sold Another! 860-306-8029
(Coldwell Banker Realty)
Welcome, pizza aficionados! If you're on the hunt for the most outstanding pizza places in New Haven, CT, you're in luck. In this article, we reveal five must-visit pizzerias that have secured spots among the best pizzas in America. Believe us, these heavenly slices are not to be missed! Having experienced all these pizzerias personally, we can attest to their exceptional quality, with Pepe's topping our list of favorites.1. Frank Pepe Pizzeria Napoletana: The Undisputed ChampionFrank Pepe Pizzeria Napoletana holds the crown for the best pizza in the United States. Established in 1925, this legendary pizzeria has delighted taste buds with its mouth-watering pies for nearly a century. Their most renowned creation is the white clam pizza, an unconventional yet delectable treat that's a mu...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
There's a Difference Between Helping and SteeringAs real estate professionals we learn to find other professionals in necessary businesses to make our client's transactions flow smoother. It could be loan officers that we trust, lawyers that can handle closing properly, as well as inspectors and even tradespeople if repairs are needed.We also need to be mindful to have a few of each to give clients options and to also keep ourselves out of trouble if a question of steering arises.SteeringIn real estate, steering refers to an agent who steers potential buyers to neighborhoods as a discriminatory measure. It also includes sending buyers or sellers to specific people, as there is some type of monetary kickback for the agent. All are illegal and could mean not only loss of license but also ...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
It's Beginning to Look a Lot Like Spring in Prospect CTSt Patrick's Day and it's festivities are over and as it is mid-March, and the clocks have made their move, all signs are pointing to spring.There is still some snow on the ground, but in some areas, it's getting close.The crocus sprouted and I almost missed them.The daffodils have started their growth and as happens they will be thicker and more plentiful than last year. They self propagate.Along our rock garden, the daffodils are also sprouting and as they get older they will eventually cover the entire area.And everyone knows that the foremost sign of spring are the robins, and I had this proud bird, puff out its breast for me to appreciate.The best sign of spring for me will be the pins being put back onto the greens. I can hard...
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By George Souto, Your Connecticut Mortgage Expert
(George Souto NMLS #65149 FHA, CHFA, VA Mortgages)
This is my weekly reminder that this Tuesday, March 21st. is our next regularly scheduled ActiveRain Weekly ZOOM Meeting at 2:00 p.m. EST.  If you have not attended one of these meetings before, then you need to make this a try to attend meeting this week.These ActiveRain Weekly ZOOM Meetings are hosted by our long time member, the lovely Debe Maxwell, CRS, and are also attend by many of the ActiveRain Ambassadors, as well as other movers and shakers of our industry.This Tuesday's ActiveRain Weekly ZOOM Meeting will be a continuation of last week's ActiveRain Weekly ZOOM Meeting on the "Impact of AI On Real Estate".  However, this week instead of having a speaker, we will have a group discussion.  Our moderator for this Tuesday's ActiveRain Weekly ZOOM Meeting will be Debe Maxwell, who ...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
Making Your Connecticut Home Purchase PrimaryThe dream of home ownership has never been stronger than it has the past couple of years.  Interest rates were at historically low levels and buyers were into bidding frenzies to get their piece of the American Dream.Amid the anxiety, it was very easy for buyers to get so emotionally involved that they would forget what they had been told by their loan officers and agents about keeping their spending under control.Loan officers will talk about debt ratios and how important they are to a credit score and also getting a more favorable loan interest rate.Buyers will be warned about not getting any new credit cards, or even dropping existing cards.This advice can get lost once the emotions of having a house under contract hit.Sadly, I have experi...
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By George Souto, Your Connecticut Mortgage Expert
(George Souto NMLS #65149 FHA, CHFA, VA Mortgages)
This month Patricia Feager and Kathleen Daniels are hosting the March challenge titled  "March to a Solution | ActiveRain March 2023 Challenge"  Patricia and Kathleen are asking us to share issues we have encountered during our professional career in Real Estate, which may help others to avoid and hopefully resolve.  I have read several excellent blogs submitted so far in this challenge by Realtors/Agents, however, as a Loan Originator my job is to help Borrowers obtain the financing they need to purchase a home.  This involves: Qualify the Buyers/Borrowers  for the price range they can purchase in.  Provide a Pre-Approval Letter for Buyers/Borrowers to submit with their offer.   Help Buyers secure financing for a mortgage loan once their offer has been accepted Advise Buyers/Borrowers ...
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By Lisa Brown-McDonald CT Real Estate Agent, Fairfield & Litchfield County Homes
(The Brokerage of New England)
Home buyers and sellers recommend Danbury CT Real Estate AgentLisa Brown-McDonald, REALTOR® 203-733-1613The Brokerage of New England"Lisa is fantastic! We highly recommend her to anyone who is looking for a realtor (buy or sell). Lisa scores the highest by far in our experiences with real estate agents. We sincerely recommend her for: -Market intelligence -Professionalism -Creative marketing -Acumen representing her clients to agents, buyers and sellers. She is off the charts in this area! Lisa has command for the details, gives accurate market perspective, and is a joy to work with. With Lisa, you get peace of mind -- that you have the best information, the best representation and the best service. We were fortunate to find Lisa - she is the best. We would happily work with her again a...
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By George Souto, Your Connecticut Mortgage Expert
(George Souto NMLS #65149 FHA, CHFA, VA Mortgages)
Happy St Patrick's Day 2023.  I hope all of you have a very special and enjoyable day today, and have an opportunity to celebrate it with family and friends.  St. Patrick's Day is one of the more festive days of the year, and we all can use a little more fun in our lives. Hope everyone keeps safe and do not partake of TO MUCH GREEN of anything!!! And May your pot always be filled with GOLD!!!
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By George Souto, Your Connecticut Mortgage Expert
(George Souto NMLS #65149 FHA, CHFA, VA Mortgages)
This month Patricia Feager and Kathleen Daniels are hosting the March challenge titled  "March to a Solution | ActiveRain March 2023 Challenge"  Patricia and Kathleen are asking us to share issues we have encountered during our professional career in Real Estate, which may help others to avoid and resolve. If there is one thing anyone in the Real Estate Industry or Lending Industry needs to get use to quickly once they become a part of either of these industries, is if something goes wrong it is always your fault no matter what.  A few years ago I Normally in the Lending Industry once a loan is conditionally approved it is just a matter of collecting a few documents which borrowers normally do not have at the time of the loan submission such as: Homeowner's insurance Appraisal Bank stat...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
What’s My Waterbury CT Home’s Value February 2023Waterbury CT is the second largest town in New Haven County with a population of app115,000. It is 33 miles southwest of Hartford, 25 miles north of New Haven and 77 miles northwest of New York City. The larger factories that once dominated the Connecticut manufacturing economy are no longer in Waterbury, essentially changing form the brass meals they used for raw materials and converting to cheaper and lighter aluminum or plastic. Currently in Waterbury CT there are 58 active residential listings for sale. The homes for sale in Waterbury CT range from a 865 square ft, 2-bedroom contemporary listed at $149,000 to a 3,238 square ft, 4-bedroom  cape listed at $825,000. These listings are within the town zip codes of 06702, 06704, 06705, 067...
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By Lisa Brown-McDonald CT Real Estate Agent, Fairfield & Litchfield County Homes
(The Brokerage of New England)
Announcing New Milford CTs restaurant week, March 13th - 27th. Each participating restaurant is sure to impress from some of my long time favorites to exciting new spots. Whether you're a foodie looking for something new or just in search of a delicious meal, there will be something for everyone. Click here for a list of participating restaurants in 2023.New Milford, Connecticut 
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By George Souto, Your Connecticut Mortgage Expert
(George Souto NMLS #65149 FHA, CHFA, VA Mortgages)
The ActiveRain Development Team announced a maintenance update they would be performing to the site late yesterday.  However, what they did not expect was the barrage of old e-mails  notifications the update would produce.  Apparently many of us had old e-mail notifications that were stuck in our pipeline.  I must of been one of the ones who was abundantly blessed with a multitude of these notifications, because all night long my e-mail inbox was going off like a machine gun.  By the time the ActiveRain Development Team was notified by members this was happening, my inbox had received 2007 e-mails.So if you woke-up this morning to an e-mail inbox overflowing with ActiveRain notifications, and have not seen the two blogs posted by the ActiveRain Development Team this is what happened.  T...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
Waterbury CT March 2023 Housing Market for Zip Code 06708The 06708 Zip code encompasses the west side of Waterbury with 4 neighborhoods known as Brooklyn, Town Plot, Lower and Upper Bunker Hill. It is also the largest zip code in Waterbury. There are currently 17 active listings in the 06708 zip code with the average value of the homes for sale in Waterbury's 06708 zip code available for sale is $376,059 with average days in market of 40. There are also currently 17 under pending/show status and 21 under hard deposit status. Through 2 months of this year, there have been 39 closed sales in this zip code with the average value of homes sold at $248,469 with average days on market of 47 days. Through the same period of 2022 there were 42 closed listings in the 06708 zip code of Waterbury ...
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By Jonathan Hall, Realtor - Danbury,CT Area Real Estate~203-417-0523
(William Pitt Sotheby's International Realty)
Danbury,CT is a mix of real estate options, from entry level apartments to townhouses. There are a lot of middle of the road options as well for both condos, single families and renting options. There are also luxury single family homes as well. As reported on the smart MLS, there were 91 sales of over $650,000 since the beginning of 2021 in Danbury to 3/2/2023.18 were located in the 06810 zip code which includes sales in the Long Ridge, Starrs Plain, Miry Brook and a portion of city center. The remaining were located on the 06811, which would include homes by Candlewood Lake, the King Street area, Aunt Hack region. Interestingly, were 21 direct waterfront homes on Candlewood Lake (average price $1,371,005).Generally speaking, you are looking in this category a price of about $342/squar...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
What Happened in The Prospect CT Real Estate Market Prospect February 2023?   Prospect CT is a town of App 10,000 residents located in New Haven County. It is bordered by Waterbury, Cheshire, Naugatuck and Bethany.  One noted by Money Magazine as one of the top 300 towns in the Nation, it has since adopted the title of Best small town in CT.It serves as a predominately residential community whose residents commute to the nearby towns.  It has a well recognized Regional school system shared with Beacon Falls CT.  It is also recognized as a well managed town with taxes under control.Search for homes in Prospect CTCurrently in Prospect CT there are 4 active residential listings for sale, with 3 new listings added in February. The homes for sale in Prospect CT range from a 1,196 square ft, ...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
Why We Enjoy Our Special Town of Prospect CTProspect CT is a town of App 10,000 residents located in New Haven County. It is as typical a small town as can be found in Connecticut.  Once given the distinction by Money Magazine as one of the top 300 towns in the Nation, it has since adopted the title of Best small town in CT. This was based on quality of life, services to residents, average income of the families and the school systems.It is predominately a residential community whose residents commute to the nearby towns.  It has a well-recognized Regional school system shared with Beacon Falls CT.  It is also recognized as a well-managed town with taxes under control.There are so many things that people take for granted in their communities, especially when it is a large city or town t...
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