We've Got The Best Deal in Easton CT. Come See it Before It's Too Late!

If we say it's a GOOD deal, then it is true. And we've got the statistics to PROVE IT.

Did you know that the average list price in Easton RIGHT NOW is over $850,000?

Did you also know that if you wanted a house between 2500-3000 square feet that on average, it would cost you almost $625,000?

So what do you think?

125 Mile Common Road is over 2800 square feet.
125 Mile Common Road is on a beautiful and level 3 acre lot
125 Mile Common Road has 4 bedrooms, 3 baths,  is fully remodeled and in move-in condition.
125 Mile Common Road is listed for ONLY $599,500.

Make an appointment with Judy Today, and make this YOUR home tomorrow.

For more details on this home click here.

Buying or Selling a Home in Easton or in Fairfield County? We'd love to represent you.

Feel free to email us here or visit our main  site at

www.CThomesAndRealEstate.com

If you have a question about buying or selling Real Estate in  Easton or in Fairfield County, and are in need of representation, I invite you to contact me. I know the market like the back of my hand, know marketing inside and out, am a skilled negotiator- and I'd love to be on your side :) - Judy

Lots of Homes Listed on One Street. What's Wrong?

Have you ever seen a number of homes pop up for sale on a street or neighborhood, and thought that there must be some type of problem  that is causing all of those homeowners to want to sell?

It seems that one house goes up for sale in a neighborhood, and then- all of a sudden, a few more pop up for sale in a short period of time. Could it be that those homeowners know something is about to happen in their neighborhood, and are selling to "get out of dodge"? Could there have been a tragic event and the residents are now afraid to live there?


Don't jump to any conclusions just yet-

The biggest reason by far that this happens is because of seller ego, and/or the thought of selling comes to the front burner because someone else decided to sell their home.

Here's a very common scenario:

Tom and Betty decide to sell their home. They list their home for sale,  and the sign goes up in the yard. Bob and Joan down the street find out how much Tom and Betty's home is listed for, and think to themselves, " They are asking HOW MUCH?  Well, if Tom and Betty are asking that price, then we can get a LOT MORE. So, Bob and Joan list their home for sale. And then it happens again.

As a note- it can be a very smart and savvy move (pardon the pun) to put your home up for sale when a neighbor has just listed theirs. That creates more opportunities to reach buyers. Think of it this way- A buyer calls in to see a home because that particular ad resonated with them somehow, while yours did not. While they are looking at that home, either the agent akes an appointment to show yours as well, (when you would not have had a showing), or the buyer sees your For Sale sign and expresses a desire to see your home. Either way, it could result in a sale.


Bottom line? If the time is right for you to sell, then do it.  If it's not the right time, then wait. Don't let anyone push you in any direction that you're not ready for.

Buying or Selling a Home in Fairfield County? We'd love to represent you.

Feel free to email us here or visit our main  site at

www.CThomesAndRealEstate.com

If you have a question about buying or selling Real Estate in  Fairfield County, and are in need of representation, I invite you to contact me. I know the market like the back of my hand, know marketing inside and out, am a skilled negotiator- and I'd love to be on your side :) - Judy

Connecticut Financing Update and Today's Mortgage Rates 7/22/12

The rates are looking good and it looks like a perfect time to purchase a home and/or refinance your existing mortgages.  Treasury prices are higher this morning as equity markets are finally taking a breather from the recent rally.  Data and headlines have been rather quiet as earnings have been the main driver in recent days.

 Today's Mortgage Rates

Conventional 30 year fixed          3.5%                      APR 3.546%

Conventional 15 year fixed          2.875%                  APR 2.956%

Conventional 5/1 ARM                  2.5%                       APR 3.117%

Conventional 7/1 ARM                  2.625%                  APR 3.076%

The above rates are based on a loan amount of $417,000 for a single family home, a borrower’s middle credit score of 740 and a 20% down payment.

This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and pricing are subject to change at any time and without notice. This is not an offer to enter into a rate lock agreement under any applicable law.

 

As a lending professional, Nima Rezvan meets a wide range of real estate lending needs, whether it be a first time purchase, second home purchase, or refinance. He welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. With his expertise and knowledge, he will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

With more than 10 years of mortgage lending experience, Nima specializes in  Conventional Mortgages,  Jumbo Loan Financing, Refinance, First Time Home Buyers and Federal Housing Administration/Veterans' Administration (FHA/VA)

 NMLS #110681

send Nima an email

Mobile: 203-913-6016
Fax: 877-804-5752

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Buying or Selling a Home in Fairfield County? We'd love to represent you.

Feel free to email us here or visit our main  site at

www.CThomesAndRealEstate.com

If you have a question about buying or selling Real Estate in  Fairfield County, and are in need of representation, I invite you to contact me. I know the market like the back of my hand, know marketing inside and out, am a skilled negotiator- and I'd love to be on your side :) - Judy

Tips on Refinancing Your Mortgage in Connecticut

Rates ARE LOW! If you’ve decided the time is right to refinance your mortgage, you’ll want to proceed wisely to make sure you secure the best loan possible – and meet the goals you’ve set for refinancing.
Refinancing involves paying off your current mortgage and creating a new one. So, the steps you take will be familiar, as will the loan terms offered.

Check Your Credit Score
Your first task is to review your credit report and credit score. You surely don’t want potential lenders finding any surprises that could affect securing a new mortgage. Plus, your credit score directly determines your interest rate, with the lowest rates earned by those with scores of 760 and above. Mortgage lenders often pull your score from all three reporting bureaus – Experian, TransUnion and Equifax – so you should, too.

Figure Out Why You’re Refinancing
Most homeowners refinance to meet a specific goal. If you’re considering refinancing, you likely want to lower your monthly mortgage payment, take cash out of your home, consolidate debt or secure a loan with better terms.
Your monthly payment will be less if interest rates have fallen since you took out your current mortgage, or if you qualify for a lower interest rate because you’ve improved your credit score. You can also lower your monthly payment by lengthening your loan term. But keep in mind that if you’re 10 years into a 30-year loan and making progress on principal, refinancing into another 30-year loan puts you back where you started 10 years ago with primarily interest-only payments.
If your down payment was large, or if you made extra payments on your principal, had a short-term mortgage originally or increased your home’s value through an improvement, you may have equity you can take out in cash when you refinance. Although this money could be useful for other purposes, such as home improvements or your child’s college education, taking cash out makes the balance of your refinanced mortgage higher than your current mortgage. Your monthly payment will likely be more, too, unless your interest rate is significantly lower. Many homeowners find a home equity loan or a home equity line of credit more favorable than taking cash out – and owning less of their home.
Refinancing can also help you out of an adjustable-rate mortgage (ARM) or dual loan. If you currently have a first and second mortgage, such as a home equity loan, you may be able to consolidate the two into one mortgage – and one payment. And while ARMs offer a low monthly payment, you may want to refinance before yours adjusts to a new rate that’s difficult to afford. You can refinance into another ARM or a fixed-rate mortgage, which offers consistent payments for the duration of the loan.
Find A Lender
There are thousands of mortgage lenders to choose from, but the best place to start is with your current mortgage holder. You may be able to avoid some of the costs of refinancing if your current loan is only a few years old, or if your lender wants to keep your business.

Remember: Look at the interest rate but don’t ignore the closing costs and fees, which can add up to as much as 5 percent of your loan amount, depending on where your property is located. These costs may include, but aren’t limited to:
·    An application fee
·    An appraisal fee
·    Survey costs
·    Hazard insurance
·    Attorney/legal fees
·    A title search
·    Mortgage insurance
·    Loan origination fees
·    Title insurance fees
·    Home inspection fees
·    Discount points
·    A credit report fee
Even if you’re happy with your lender’s offer, you should still compare loans and terms from several others.
Get A Good Faith Estimate
Lenders are required by law to give you a Good Faith Estimate, in writing, within three days of your application. This detailed worksheet is an accurate accounting of what the loan will cost you, and makes comparison-shopping for a new mortgage easy. Be sure to take into account the interest rate, monthly payment, and total interest you’ll pay over the life of the loan, as well as the closing costs and fees.

Lock-in
Once you’ve settled on a mortgage lender and loan terms, guarantee that what you’ve been quoted is what you’ll receive with a lock-in. Also known as a rate-lock or rate commitment, a lock-in ensures that the lender holds the rate and, if applicable, points, for a specified period of time while your loan is being processed. It often takes several weeks to process a mortgage; without a lock-in, the terms you were promised might not be available at closing.

Stay Diligent
On settlement day, compare the HUD-1 form that lists your actual costs with the Good Faith Estimate. Your Good Faith Estimate lists which costs can change prior to closing as well as the maximum amount by which they are allowed to change. Lenders must abide, so keep a close eye on the details, all the way to the end.

Article submitted by Brennan Purdy of State Farm Insurance

My vision is to be an insurance professional whose actions are driven by keeping the customer's best interest as my primary goal. My staff will treat all my customers in a caring, friendly, and professional manner. My office will provide warm, efficient, and seamless services to our customers at all times. I expect my business to be comprised of knowledgeable, multiple-line customers who see my office as their first and best choice for all their insurance and financial service needs

For more information on these and other home safety tips, stop by my office or visit www.brennanpurdy.com. My office is conveniently located in downtown Bethel. 203-798-7300.                   211 Greenwood Avenue , Bethel, CT 06801

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If you  want a GREAT referral for a Mortgage broker to Refinance Your Loan, contact Nima Rezvan at (203) 913-6016 or visit him online at www.NimaLoans.com

Buying or Selling a Home in Fairfield County Connecticut? We'd love to represent you.

Feel free to email us here or visit our main  site at

www.CThomesAndRealEstate.com

If you have a question about buying or selling Real Estate  in Fairfield County, and are in need of representation, I invite you to contact me. I know the market like the back of my hand, know marketing inside and out, am a skilled negotiator- and I'd love to be on your side :) - Judy

According to the Weston Voice, 125 Norton Rd in Easton CT is Affordable Elegance

Have you seen the Weston Daily Voice?

The premier digital news resource in the Weston / Easton / Redding  area thought that our listing at 125 Norton Road in Easton was worthy of an article in their online newspaper.

If you haven't seen the article, click here to read it, and make sure that you bookmark their site for the latest in local news.

For additional photos and information, visit this website dedicated ONLY to 125 Norton Road.

For more information on this listing, or your private showing, please contact Exclusive Listing agent Judy Szablak (203) 257-5892

- and a sincere Thank You to the Daily Voice Family of Digital Newspapers.

Buying or Selling a Home in Easton or in Fairfield County Connecticut? We'd love to represent you.

Feel free to email us here or visit our main  site at

www.CThomesAndRealEstate.com

If you have a question about buying or selling Real Estate  in Easton, or anywhere in Fairfield County, and are in need of representation, I invite you to contact me. I know the market like the back of my hand, know marketing inside and out, am a skilled negotiator- and I'd love to be on your side :) - Judy