Fairfield and Westport CT Real Estate Guide

Local insights on buying, selling, and living in Fairfield County


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My Most Cherished Walking Trail in Fairfield CT’s Beach Area!

tidal-marsh-with-creek

Everyone who walks this trail, especially my dogs, agrees that this is one of the most wonderful places to go to decompress and gain inspiration in Fairfield Connecticut’s beach area.   You may find yourself alone with the wildlife (and your dogs), or you may see other people dog-walking, jogging or bicycling. marsh-trail

There is convenient access from several beach area neighborhoods.  One entrance is on Old Dam Road.  You can jump on the trail from the Meadows condo complex off South Pine Creek Road, or you can enter at Mona Terrace by the soccer field and senior center. The latter is my favorite because there is a cut-through from an additional neighborhood near me at the Veres Park cul-de-sac.  A parking lot is also available at the senior center, next to the soccer field.

marsh-trail6

When entering from Mona Terrace, I like the fact that you have options. You can choose to go for a short and sweet stroll along the marsh-side path that leads out to Oldfield Road.  Or for a bigger commitment, you can jump onto the wide trail and go through the woods, across the bridge, and past the Meadows condos and Old Dam Road to the end of the trail and back. marsh-trail3

The woods are always peaceful and pretty, but in my view, the vistas along the tidal marsh are where I find my “Zen”.  When it’s high tide, the water winds through the tall grasses, and when the sun hits the water just right, it sparkles through the reeds and tree branches like diamonds! In the summer, the seaside greenery boasts flowers of vivid colors, and a vast variety of birds are busy doing what they do!

marsh-trail5

Last, but not least, if you take the full route to the end, you will get the prize.  What makes this my favorite trail is that it narrows along a little strip of raised land, where you start to wonder where you will end up.  But it leads you to the sweetest of surprises.  The tail takes you to a final destination, where (spoiler alert) you are surrounded on three sides by the water of a tranquil lagoon.  Beyond the edge of the lagoon, to the right, you can see two more waterways.  Old Dam Road flanks the lagoon with Pine Creek behind it.  And behind that, you see Fairfield Beach Road and the Long Island Sound.  Three different waterway views all at once, what a rare treat!   Your dogs can go for a swim, you can take some photos as I’ve done here, and then, you can head back to reality feeling renewed.

tidal-marsh-trail-end

If you have any questions about the rich local amenities in this area and what it means for you, please reach out to me at 203.912.4440, visit my website, or send a note below.  I’m here to help!  Feel free to set up your own search in the meantime to get a feel for what’s available!

-Linda

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Can Someone Recommend a Professional Moving Company?

There are plenty of tough decisions to make when buying and selling a home, and choosing good movers is one of them.  I often hear people ask for professional moving company recommendations.  This post may provide some helpful information!DecisionsTo provide some insight on the options, I’m sharing ratings from some recent Connecticut area moves as well as a national moving company comparison.  The Connecticut input comes from a few people who completed an informal survey about four movers that handled local moves in the Fairfield County area. You can search for more reviews and pricing information at mymovingreviews.com.

I asked a handful of people who recently moved for feedback about the moving companies they chose.   A 10-question survey asked respondents to rate their moving company on a scale of 1 to 5, with one being terrible and five being excellent. They were asked to score based on their opinions of the quote process, price, range of services, scheduling process, efficiency and timeliness of the move, and care in handling their belongings.  I received four responses, each rating a different mover. Keep in mind that every move is different with unique circumstances, but here is some feedback about one move with each company.

Braun
The customer moved from a condo in Stamford to another condo in Southport for the price of $3,500. The company received a low overall rating of 2.2.  Aside from satisfaction with the process of obtaining the quote (score of 4),  the available services (score of 3), the customer was not pleased with the movers, giving the company a 2 for the scheduling process and timeliness and 1s for price and handling of belongings. Their comment was, “The movers just wanted to get it done quickly and they did damage to some of my furniture. They also did not pack the items as they had indicated they would in their estimate.”

Lippincott Van Lines
This move was from a house in Seymour to another house in Fairfield. The cost was $2,000.  The overall score was 3.7 with ratings of 4 on price, quote process, their range of services, and timeliness/efficiency, and 3 for the scheduling process and handling of belongings.  They said they would recommend this mover, and their comment was, “Actual movers were good, sales staff could be more responsive”.

Lippincot Van Lines

All My Sons
This company was used for a move within Connecticut from a condo to a house for $750.  The customer gave them an overall rating of 3.7 with ratings of 4 on all aspects except for price and care in handling belongings for which they gave a 3.  They did not share a comment.

Junkluggers
The highest rating of the four went to Junkluggers with an overall score of 4.5.  They handled a move from one house to another within Fairfield for $800. Although they received a 3 for their range of services and a 4 on their quote process, they received 5’s in all other categories.  The customer said, “Junkluggers only does close moves, but they also will haul your junk away and give you a receipt for things that they bring to Goodwill. We used them for our move – you pay by the amount of things you have (how much space it takes in the truck). They were super quick and handled everything great!”

And now for the comprehensive report comparing national movers- Here is the scoop on national movers from Reviews.com with a shout out to Atlas Van Lines and Bekins Moving and Storage.

I hope this article provides some insight for readers getting ready to attempt a big move!

For questions and info regarding your future moving plans, send me a note on the form below.  I’m here to help!

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Get a Realtor on Board!


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Home Buying Tips In A Tight Market – What can a buyer can do to combat tight inventory?

If you are a home buyer and don’t see many options during your initial search online, make sure you get a Realtor on board to help you.  Get a Realtor on Board!

Even though inventory may be low and declining, there are at least three key actions your agent can take for you.  Make sure your agent knows what you are looking for, the location you want and your ideal timing.

  1. Armed with this insight, the first thing your agent will do is set up a search for you in the MLS. This allows other agents to conduct a ‘reverse search’ for your wish list items that could match a new listing they plan to put on the market.  They can call your agent who will then be among the first to know about the new listing that could be perfect for you!
  2. The next action your Realtor can take is to send an email to fellow agents in the offices around the town where you are looking that asks if they have a possible match coming to the market.  This can encourage sellers to expedite their plans and make their property available sooner than they had originally planned.  It also gets you first dibs on these homes!

Sample letter to homeowners

3. Last, but not least, your agent can write a letter or design a postcard describing your dream home and mail it directly to the homeowners on your favorite street or in the area you are focused on.

 

Sample Postcard

 

 

 

If you are a seller dealing with buyers that are circling and taking no action or facing a complete lack of buyers altogether, there are key action steps you can take too.

So don’t give into a slowing market, surge ahead, get the market to work for you, and make your move!

For questions or help in this market, send me a note using the form below.

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Wasted time costs you money


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Choosing the Right Real Estate Attorney: 10 Questions to Ask

If you already have an attorney in mind before you connect with your Realtor®, read this post to make sure this attorney is the best choice for your home purchase or sale. You might think your attorney is of no concern to your agent, that if you know the attorney or have dealt with them before, they are your best option. You may feel a recommendation from a friend covers all the bases. If you’re like many others, you might not have considered the critical factors below about the attorney you hire to successfully close your real estate transaction.

Here’s a Top 10 List of questions you should know the answer to before bringing your attorney on board.

  1. Does he play well with others?  There are real estate attorneys that give their egos priority over their fiduciary responsibility to their clients.  These lawyers may decide they don’t like the lawyer on the other side of the transaction and deliberately try to kill your purchase or sale as an assault on that attorney. Play well with others?Your Realtor may have worked patiently and tirelessly to successfully negotiate optimal terms for you thus far only to then work triple-time behind the scenes to keep your purchase or sale together because the attorneys are butting heads. You may know nothing about this unless your sale falls through because of it. You want to work with a lawyer that relates professionally with all parties in the transaction at all times. Otherwise, they are being counter-productive and are doing you (and everyone else involved) a disservice.
  2. Does she know the TRID lending regulations? There are lending regulations that require a three-day period before closing for the buyer to review all the final numbers compiled by the attorneys. This requires attorneys to be well organized and proactive in compiling the credits, debits, and allocations of taxes, insurance, oil deliveries, etc. earlier than in the past. There are also new forms they need to be familiar with.  If your lawyer is not up to speed with the new regulations, your closing can be significantly delayed at the last minute as a result.
  3. Is he overly chatty or verbose, adding to your bill? I have worked with attorneys that have kept me on the phone for almost half an hour every time they called and then complained about all the extra time they are spending on the case, stating that they will have to bill for it. I’m sure this is not what you want.Wasted time costs you money
  4. Does he communicate effectively with you, your agent, the lender, and the other attorney? There are attorneys that act like it’s beyond their scope of work to communicate effectively with the other parties in the transaction.  Some barely respond to calls or emails at all! Communication is a critical component in your purchase and sale because the lender, the two Realtors, and the two attorneys have a huge amount of detail to coordinate in order to keep your sale on track. entrepreneur-1001611__180 If any of the players are “missing in action” it prevents the process from progressing efficiently, and critical information can fall through the cracks.
  5. Does she specialize in real estate?  If your attorney focuses more on criminal law, divorce, or other areas besides real estate, you can end up with an attorney that is in court or unavailable when you need them at a critical time. Specialized in real estate
  6. Is she familiar with the local regulations and practices? You want to be sure your attorney is knowledgeable about the local area of the home you are buying or selling. The process and attorney responsibilities can vary from county to county.  There may also be issues that arise about boundaries, zoning regulations, permits or other things specific to your town that your attorney will need to know about.
  7. Does she have a paralegal?  Many attorneys diversify their workload to include more lucrative endeavors than real estate closings.  This is fine for you as long as they have a paralegal and/or partner in her practice to keep everything on track when she is focused elsewhere.  Otherwise, you and everyone else involved in the transaction can be stuck ‘dead on the vine’ waiting for a critical response or document.Paralegal or partner?
  8. Is he efficient? Some attorneys are content with creating delays and taking their time to get things done. Efficient?Ask any lender or real estate agent what’s important about an attorney, and they will tell you efficiency (second to good communication)!  The entire transaction is on the clock from the moment an offer is accepted.  The attorney must send and receive the contract in the allotted timeframe and then get it to the lender. They must complete a title search and address questions and concerns in a timely fashion, and they need to prepare all the closing documents on time, or your closing could be postponed.
  9. Is she versed in your areas of specific concern? If you know your transaction will involve added elements of complexity, you want to be sure your attorney can still handle it with ease. For example, if you are moving out of state, coordinating a purchase and sale or pursuing a short sale, run this past your agent and potential attorney up-front to assess their experience and comfort level.
  10. Has your agent recommended him or her? Last, but not least, the most thorough insight you can get on your would-be attorney is from your Realtor.  Thumbs upMany of the questions above are not ones you can easily get answers to by interviewing the attorney directly or even from a friend who’s used him or her. If your agent hasn’t worked with the lawyer directly, he or she can ask other agents how well that attorney as served his client and worked as a team player for a successful transaction in the past. Your agent’s only interest in the attorney you hire is to get a solid team member on board to help ensure a smooth move for you!

Is there an attorney you are considering that you would like feedback about?  Have you had a good or bad experience you would like to share?  Is there something you would add to the list above? Your questions and comments are welcome below.

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Nothing Like a Great Back Yard on a Holiday Weekend!

My own backyard in the Fairfield beach area is one commonly referred to as a ‘postage stamp’, though it still manages to accommodate our trampoline and numerous get-togethers.  However, some good friends of mine in Westport have a much more spacious backyard with abundant space for fun, games and big-time bashes.  We’ve been to quite a few, with the latest one being Memorial Day weekend 2016!

Hillandale Back Yard and Patio

It turns out, these friends have just moved their social agenda to another gorgeous yard (and home) nearby.

New Home, New Back Yard!

The good news for all of you readers out there is that the wonderful backyard my friends have left now has a brand new house on it that will be ready to support a new source of festivities!

Tucked away just off Turkey Hill South, a new home sits on a quiet country lane cul-de-sac. Carefully designed and finished on four levels, this home will feature elegant transitional style with open flow and ethereal light. Romantic landscaping and plantings surround the level property making it super for entertaining, fun in the sun, and peaceful relaxation.  It is the Hillandale House.

6 Hillandale Lane, Westport CT

6 Hillandale Lane, Westport CT

The builder, Coastal Construction Group, has fine-tuned the art of quality home construction by providing careful attention to site design, layout, architecture, craftsmanship and the right property location. As we all know, a home is more than just the place we live, it’s the foundation for everyday living.  Added bonus?  This home is located four minutes from Green’s Farms station and under an hour from Manhattan!

Take a look at the sneak peek video, and visit the listing online and check out a snapshot of the progress!  Perhaps you know someone who has been weighing the options of renovation versus new construction and this may be a consideration?  If you or a friend may be interested, reach out to me at 203-912-4440 or send a note below.

In the meantime, whether it’s Memorial Day, Father’s Day, a graduation party, or just plain summer fun, here’s to a great backyard barbecue!

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Save Money, Have Fun, Do a 1031!

If you own an investment property and are thinking of selling it to buy a different one (or two), you can do a 1031 Exchange and enjoy great benefits!  What’s so great about it, and how do you do it?

Here’s how it works-

  1. With IRS code 1031, owners can defer paying all capital gains on investment
    property. This means that if you own property used for business or investment, you can sell it and use the proceeds from the sale to reinvest in another investment property of greater or equal value to defer paying taxes on your profit.
  2. You have to declare that you are doing a 1031 Exchange before you close on the sale.
  3. You have to meet the 180-day rule: Investors have 180 calendar days to complete the exchange and close on all intended purchases.
  4. You have to meet the 45-day rule:  Identify up to three possible replacement properties within the first 45 days of the 180 day period. You can also sell multiple properties and buy one big property.   If you identify more than three properties, the total cost of the identified properties can’t be more than twice the value of what you are selling.  If you identify more than three properties and they end up totaling more than 200 percent of what you are selling, then you have to buy 95 percent- worth of the properties you identified in order to complete the exchange. Your replacement property must cost more than the net sale price of your existing investment property for full tax deferral. 
  5. You Must use a Qualified Intermediary (QI) to facilitate the 1031 exchange.  The QI takes care of everything for you including preparing the exchange agreement, handling escrow, and coordinating with the closing agents.  The QI must be a third party to the transaction.  He or she can’t just be an attorney or a Realtor® in the transaction that puts the sale proceeds and funds in an escrow account, nor can the QI be a relative. These are IRS regulations. 
  6. You cannot have access to the proceeds from your sale. It must be held by a qualified third party until it can go directly toward your purchase(s).

And here are six amazing benefits of doing 1031 Exchanges-

  1. You enjoy huge savings on taxes.
  2. You can shelter your earnings in real estate, legally!
  3. You can diversify or consolidate your investment property.
  4. You can gain buying power by reinvesting.
  5. You can create more income to build your wealth.
  6. There’s no limit to the frequency or quantity of 1031 exchanges you can do.
  7. You can have the property(ies) you want to have.

Consider an “equity build strategy” suggested by the Midland company (referenced below) that looks like this:

  • Defer paying up to 25 percent in taxes on your gains.
  • Sell a moderately producing property to buy a higher income-producing property and increase your monthly income.
  • Pay no federal, state, capital gain, or income taxes on the sale of the property.
  • Do 1031 exchanges over and over for a lifetime, and the tax liability will never be passed on to your heirs.
  • Base your strategy on cash flow, and you will have success in any market. The key is to get the highest percentage income on your purchase.  Even if the dollar amount is small, it will grow over time.  For example, if you can sell a property making seven percent cash-on-cash and buy a property that makes 23 percent cash-on-cash, you are well on your way to implementing an excellent equity build strategy!  Equity bulid strategy

It’s a good idea to use a QI that is local or that works in many states and is familiar with the varying regulations and taxes in different states. You want a QI that has experience and is bonded and insured. You also want to look for one that is a member of the National Federation of Exchange Accommodators and that is a Certified Exchange Specialist (CEC).

Here are some resources to get you started:

IPX1031

1031 Exchange Made Simple

Midland Self-Directed IRAs & 1031s

For help selling and locating properties, please reach out to yours truly!

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Didn’t Feel Like It, But I Went to Last Night’s Meeting Anyway

Okay truth be told, I really really didn’t feel like going to last night’s Fairfield Ludlowe High School PTA meeting that had been on my calendar since the date was emailed out to all of us.  I was tired, and it was freezing out, and dark, and we just finished dinner after a long day, and the meeting would be long…  In fact, I succeeded in talking myself out of going and finally resolved to skip it- literally the minute before I threw my coat on and pushed my butt out the door!

FLHS-PTA-LogoStar parent, right?  Unfortunately, the reality was that I did not stand alone in these sentiments.  When I got there, only about 10 others were present, including the PTA President, Jim Accomando, Past President, Christine Vitale, Headmaster, Greg Hatzis, VP of Programs, Laura Lawlor, two teachers and a few others!

The meeting was in the comfortable lecture room at the back of the Library, and Greg Hatzis was going to give an overview of the school’s 2016 Improvement Plan.  He had a PowerPoint presentation and handouts prepared for everyone.
joint library picture

As I listened, I was more and more impressed by the comprehensiveness of the plan and ambitious goals as well as the energy and passion expressed by the presenter.  There were so many focus areas to cover, but the determined Headmaster nailed the key points and even gave us a short Parent Beliefs survey to complete, all inside the span of one hour!

I thought the meeting and information were so valuable that the least I could do was share what I could about it.  So I’ve included the three handouts (via the linked text in bold below) and listed what I thought were the main takeaways.  Here are five points that I thought were key from the meeting,

  1. FLHS Improvement Plan 2015-2016 is completely aligned with the District Plan.  It focuses on four core strategy areas and includes a feedback loop of action, evaluation, and continuous improvement.
    1. Instructional Program
    2. Teams/School Improvement Plans
    3. Leadership Capacity
    4. Resources
  2. There are four important Academic Expectations including,
    1. Critical Thinking
    2. Creative Thinking
    3. Communicating
    4. Collaborating
  3. The Marzano FLHS Teacher Evaluation Model is used.  A valuable element of the model is that it focuses on a progression of teaching new knowledge, in-depth use and understanding of this knowledge and then advancing kids to use the knowledge and skills to generate original thinking such as developing one’s own hypothesis.
  4. The new Block Schedule with longer class times is working out great! Although it required teachers to start lesson planning from scratch, it has been instrumental to enabling more in-depth teaching and student understanding of the subjects.
  5. Teachers conduct Curriculum Focus Groups about twice per month. No longer do teachers work in isolation. Now they also learn from and inspire one another- just like doctors and surgeons have been doing for a long time.  Teacher feedback is that they find it exceptionally valuable.

All of this funnels down from the overarching mission of the Fairfield Public Schools:

The mission of the Fairfield Public Schools, in partnership with families and the community, is to ensure that every student acquires the knowledge and skills to be a lifelong learner, responsible citizen, and successful participant in an ever-changing global society through a comprehensive educational program.

In the end, I was so glad I made it to this meeting.  I gained valuable insights about my child’s education as well as the overall the quality of Fairfield’s education system and got to meet some very nice people. Having been so impressed, I’ve since hoped that more parents will come to future PTA meetings.

In the meantime, I’ve been convinced that our kids are in excellent hands! Go Falcons!

Go FLHS Falcons!

Fellowship
Acceptance
Learning
Commitment
Opportunity
Niche
Success

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Winter Open House Tips: Excite, Delight & Invite!

Many people believe that winter is the hardest time of year to try and sell their house. While it’s true that sellers can’t showcase their colorful warm-weather landscaping, there are plenty of other things you can highlight.

The good news about selling in the winter is that the people out looking are typically very serious buyers with a clear timeline in mind for purchasing a home.  Add to this the benefit of less competition to deal with as other sellers wait for the crowded spring market.

One key marketing activity is to hold an open house.  What can you do to make an endearing impression of your fabulous house that offsets any winter doldrums?

Make prospective buyers feel like welcome guests and present your house as though you are hosting a special gathering for family and friends. While your agent highlights all the selling points, the special effort you make will give an enchanting edge toward a special intangible attraction you want buyers to feel that I like to call chemistry!

Start by planning ahead as you would for a big party.

Excite with Winter Curb Appeal
Let buyers see from the street what a warm, charming, romantic and inviting place this will be when they come in.

Consider ideas like a planter or two with colorful evergreen plants and branches, window boxes or hanging baskets.

Winter window box

Image credit: Lea-Ann Vernig

Elegant winter planters

Image credit: settingforfour.com

 

 

 

 

 

 

Charming winter porch display

Image Credit: HGTV

A bench or trellis can add a nice focal point and polished look to an otherwise bare area.  A brightly colored chair and new welcome mat can go a long way toward creating a fresh look. Here are some photos of welcoming winter homes and a historic winter home for further inspiration.

Romantic winter home

Image credit: insidearciform.com

If there’s snow on the ground, a well-shoveled driveway and path are an absolute must. The last thing you want to do is make visitors feel like it’s a treacherous hardship to get to your house, or worse, let them risk injury.  If parking is tight, clearing some space along the street is also a good idea.

Of course, an adorable snowman fully adorned with your most innovative accessories, and maybe an open house sign can help to set the tone!  Consider leaving some outdoor lights on for an added welcoming glow on an overcast day.  On a practical note, you may want to have a basket of booties inside the front door to keep your house clean.

Make it Delightful and Warm Inside
Think about what makes you feel warm and fuzzy when you visit a friend’s house for a winter get together and aim to delight all the senses.

Light a fire in the fireplace or light candles (real or artificial) on a dining room table and in the bathrooms, simmer apple cider with cinnamon on the stove. play some nostalgic music.

Festive fireplace with candles

Image credit: HGTV

Implement some whimsical touches, such as displaying a card game, a recipe book for creative holiday drinks or hanging brightly colored winter scarves or hats on hooks in a mudroom.

If it’s the holiday season, display festive touches with glass, silver, and natural materials for an elegant, romantic look that will have the broadest appeal. Avoid commercial decorations and religious symbols that may distract, turn off or offend some people.

Use photos to showcase key features of the home that may be hidden during the winter such as colorful gardens, scenic views, a furnished deck or patio or beautiful pool.  Show pictures of the house across all seasons.  This can be done with an open photo album or by framing and hanging a few beautiful photos around the house.

Invite the Guests!
Last, but not least, with your preparations under way, your agent can feel confident about promoting your wonderful open house.  They can get the word out near and far with an ad in the paper, special door-hanger invites to the neighbors to come for the first hour, posts to all the social media platforms like Facebook, Twitter, Google+, Instagram, LinkedIn, a published Event on Facebook to which guests can be invited, the date published on all the real estate websites and the MLS, a bulletin in your town’s local Patch.com and on your agent’s blog, and of course, plenty of  signs leading the way!

If you wonder about the benefits of having an open house, take a look at the discussion of “Open House Pros and Cons” and feel free to leave a comment on the page.

If you have more ideas for hosting a magical open house, please share them below!

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Home Buying Lessons Learned: Power Couple’s First Time!

Home Buyers Race to Buy House

Wait! Remember Your Pre-Approval!

Ronald and Sara were a happy young couple ready to jump into home buying and get their first home together. When they called me, they knew what they wanted, a four-bedroom home with nice property and a pool in the million dollar range. There was a house, in particular, they had seen online that they were very excited to see right away. They thought this could be it, and they would be buying their first home.

I was excited for them too! I asked if they had spoken to a mortgage professional yet. They had not, so I gave them a few reputable contacts to reach out to and told them they should have a mortgage pre-approval before they started looking. They asked why, and I told them that the pre-approval serves three critical purposes, one, it confirms that they are eligible for a loan, two, it lets them know what their spending limit is and what the associated monthly payments will be, and three, it positions them as strong and qualified buyers when presenting an offer for the home they want to buy.

So they forged ahead, chose a lender, and sought their pre-approval. But they were soon shocked and disappointed to learn that they would not be eligible for a mortgage for at least another year.

Ronald and Sara were a power couple with great jobs and ample income. Sara had a Ph.D. and was the director of a graduate school. Ronald was an emergency room physician.

But, what they didn’t realize was that all the student loans they were paying off gave them a ratio of debt to income that was too high to get a mortgage. So we found a nice home for them to rent for a year. In the meantime, they worked hard with the credit expert company, North Shore Advisory to ensure they were on the fast track for managing their debt and raising their credit scores within the one-year timeline they had set as a goal.

Couple gets engaged

“I do!”

Fairfield University Home

This is the one!

Honeymoon in Africa

Honeymoon in Africa

 

 

 

 

 

 

 

Fast forward a year later, and they sailed through the pre-approval process to obtain a Certified Pre-Approval from William Raveis Mortgage, got engaged, and found and closed on a gorgeous new home in the university area of Fairfield, Connecticut!

Ronald and Sara also managed to jet-set off to Africa for a pre-honeymoon celebration on safari before returning to their new home to plan their wedding!  Clearly they were perfectly situated to live happily ever after, but what were the lessons learned along the way?

Always get a pre-approval before you start shopping for a home so that you know where you stand, avoid unexpected setbacks, and can position yourself as a competitive buyer.   Besides, an offer to purchase a property is not complete or acceptable without a pre-approval letter from your lender or proof of cash.

Be sure your pre-approval is of the utmost quality, as they are not all created equal. Recent changes to national lending regulations add extra time sensitivity and make this more important than ever. There are a number of new technology enhancements available that can make the whole mortgage process faster, easier, and more transparent for consumers.

Mortgage Technology Enhancements

New Tech Enhancements Simplify Mortgage Process

William Raveis Mortgage is the only mortgage banker to provide a Certified Pre-Approval.  This means that when they present a Certified Pre-Approval to a buyer, they have completed a full review of credit, income, and assets, reviewed supporting documentation and double-checked it all via an automated underwriting system to ensure that when the big day comes, the buyers get their loan and the sale goes through.

Playing with Credit Cards

Play with Your Credit Cards AFTER You Close!

Last, but not least, it’s important to be aware of all the factors that can impact your credit score because, the lower your score, the more you will pay for your mortgage, (as well as insurance and other things). In fact, it’s a good idea to check your credit well in advance of applying for a loan so that you have time to work on it if need be.  Visit North Shore Advisory, Inc. for an expert resource about credit tips and strategy.  Once you have your good credit and Certified Pre-Approval in place, make sure you don’t do anything that can change your credit score before you close!  Even a tiny negative change to your credit can bump up your interest rate and suddenly put your dream home out of reach.  So check with your lender or Realtor about things you should or should not do during your home purchase process.

Then you are ready to make your dream home come true! Welcome Home!

For questions about the process of buying or selling a home, or if you’re thinking about a move this season, send me a note below!

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Home at Okemo!

Exciting news-

For the first time in a decade, a brand new enclave of homes is being built on the sunny side of Okemo Mountain Resort!

In 2014, Okemo Mountain Resort was named the “Best Family Resort in North America” by onthesnow.com.  The last two seasons, it’s been tagged with three more top honors. “Top 10 Resorts” in the East (SKI Magazine), Six Best Places to Buy a Winter Home, (Investopedia), and 10  Best Places for Family Vacations, (familyvacationcritic.com). Okemo’s snowmaking expansion now includes White Lightning and Rolling Thunder at Jackson Gore. This increases Okemo’s snowmaking coverage to 98 percent of its trails. With 655 skiable acres, 120 trails, and “New England’s Best Snowmaking” to ensure fantastic ski vacations, Okemo is the place to be!

Okemo Mountain added the amazing Sunburst Six chairlift providing a quick and comfy trip to the summit with cushy heated seats and a wind-shielding bubble.  The new up-and-running Sunshine Quad is ready to bring snow lovers from the heart of SouthFace Village to the SouthFace Express Quad.

Now Okemo Resort is building the new SouthFace Village!

Here’s a Top 10 List of Impressive Features-

1. LOCATION – Located on the south face of the mountain, residents enjoy first dibs on all the trails with maximum sunshine all day!
2. GATED – The village will be an exclusive gated community.
3. NEW LODGE – It will have its own new lodge with a gourmet eatery, fitness center, indoor-outdoor heated pools and more.
4. SKI-IN & SKI-OUT – With seven new access trails, the residents will enjoy ski-in/ski-out access.
5. 4-SEASONS – SouthFace Village homeowners enjoy nature and the great outdoors year-round while playing golf, hiking, biking, and skiing.

Okemo_summer_golf_72dpi-1030x515
6. SMART – Homeowners will enjoy the perfect setting, every convenience, energy efficiency, top quality craftsmanship and construction, and the best of New England Nordic design by renowned eco-conscious architect/builder, Bensonwood.
7. VALUE – Exceptional value, location, amenities, efficiency, and quality for the price.  Follow the link at the end of this post for more information.
8. AMENITIES – The fully furnished homes make excellent use of space to accommodate the most guests and also feature excellent energy efficiency, covered parking, convenient gear storage, and much more.
9. OKEMO COMMUNITY – Planned by a proven Okemo developer, this enclave will integrate the exceptional new homes with all the bustling programs and services of Okemo Mountain Resort.
10. BRAND NEW! Need I say more?

Sugar Maple, their first residential offering is sold out, but don’t worry, it is the first of nine ski-in/ski-out townhome buildings to be constructed.  Happy homeowners of Sugar Maple will be moving in for the 2017 ski season.  The next offering consists of luxury ski-in/ski-out townhomes, single family homes and two exclusive penthouse residences with private elevator access that will be constructed on top of The Lodge at SouthFace Village.

Click the link below for fresh facts on the exciting upcoming offerings including Tamarack, the single family homes, and The Penthouse. To stay abreast of  SouthFace Village development with updates and photos, follow the link below. Feel free to forward this article to anyone else who may also want to be in the know, or send their contact info when you click the link.
Happy Ski Season!

Ski Okemo

Fun for everyone!

To submit a comment or ask a question about your moving or vacation home plans, send me a note below!

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Thank you for your response. ✨

Okemo Resort Realty, LLC is the Exclusive Marketing Agent for SouthFace Village at Okemo. The photographs and representations included are for informational purposes only and are subject to change, or, may be withdrawn by the developer at the developer’s discretion. This is not intended to be an offer to sell nor a solicitation of offers to buy real estate in any state.  A Consolidated Public Offering Statement for SouthFace Village At Okemo is available from the developer. The developer of this project is SouthFace Village at Okemo Development Company, LLC and is not affiliated with Okemo Mountain Resort or any other entity that is involved with the operation of the ski area.