The Mortgage Messenger

2751 Dixwell Avenue Hamden, CT. 06518  Dear Valued Clients & Referral Partners, I hope this finds you well.  I am writing to let you know about my new firm, Atlantic Home Loans.   As a major East Coast  mortgage banking firm, Atlantic Home Loans offers all the advantages of  a mortgage broker plu...

As of Tuesday, August 9th, the Federal Reserve has decided that the current economic climate justifies keeping the federal funds rate at nearly zero through mid-2013. What does this mean for homeowners?The Fed’s prognosis means that homebuyers who qualify for a loan can lock in at rock bottom rat...

When buying a starter home, the first big step in home ownership might mean that your purchase may remain your residence longer that you intended. You could spend up to a decade in your first home so when shopping look toward the future. With the current market you should get as much house as you...

Conveyances of property held in trust, things you should know. First you have to know who the seller is. Conveyances should be from the trustee of a trust, not the trust itself. This is because a trust is not a legal entity recognized in the law as having the capacity to hold title of real proper...

If you are currently listing a condo for sale or are selling a condo that you own you have to make sure that you are familiar with lender guidelines unless you are lucky enough to have a cash buyer.In the last two years the condominium questionnaire required, if you are purchasing a condo that wi...

If you had a credit card with an interest rate of 4.5% over 30 years and could shop to buy something that you wanted such as the newest electronic fad you would think it was a bargain. But would it be something that you would always remember?Memories are made in homes and right now you can obtain...

According to Bankrate’s annual survey of closing costs nationwide, the average origination and title fees on a $200,000 purchase mortgage totaled $4,070. For the second year in a row, the states with the highest closing costs are New York, where costs average $6,183; Texas at $4,944; followed by ...

How lucky are those of us that live in this beautiful State of Connecticut in the summer. There are so many things to take advantage of from beautiful beaches, lakes, museums, train and boat rides. With the economy the way it is having all of these things to do so close to home is special.You can...

Sales have been delayed in New England due to lack of funds to pay for services associated with closing the loan. The Department of Housing and Urban Development (HUD) has delayed the sale of several of hundred foreclosed properties in New England because of lack of funds to pay closing fees to a...

The interest rate on your home loan can be a make or break factor for the affordability of a home loan for many homebuyers. Ever wonder what criteria determine an interest rate quote? Rate affected if any of these are required or altered: Points Origination Fee Required Escrow vs. Waiving Escrow ...