All About Connecticut Real Estate

By Joe Petrowsky, Your Mortgage Consultant for Life
(Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709)
“Homeowners are taking Advantage of Increased Home Values” Hi Joe.  My wife and I worked with you a while ago on our mortgage.  We to redo our kitchen, bathroom and deck.  We are wondering what that is out there that could suit our needs.  Could you provide us some options? When I originally did their mortgage a few years ago, the value of the property was 50% of what it is today. New values are allowing many to do home improvements, like bathrooms, kitchens, additions, garages, painting, a new roof, the list is endless. Don’t forget about paying off credit cards, short term loans and vehicle loans.   
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By Westchester Modular Homes Construction Corp, Westchester, Putnam, Rockland, Dutchess, Orange
(Westchester Modular Homes Construction Corp)
JOIN OUR LIVE GUIDED INTERACTIVE VIRTUAL TOURSRegister for the Live Virtual Factory Tour: Wednesday, June 1st, 2022 @ 5:30 PM EST.... sign up at www.vt-sign-up.comExperience a live virtual tour of our actual factory & models located at the factory, as well as custom homes that our customers have allowed us to shoot in 3D and share with you.What will you learn by attending the Live Virtual Factory Tour? The Benefits & Advantages of Modular Construction The Design Software & how you can take a 3D walkthrough of your home before its built 3D Tour of our Factory & Sample Homes Q & A Session after Presentation
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By Joe Petrowsky, Your Mortgage Consultant for Life
(Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709)
“Buyers Taking Advantage of Higher Interest Rates” I can’t believe it; they accepted our offer. Since interest rates have been climbing, we decided to offer the asking price rather than going over. We’re not sure if there were any other offer, but we are delighted with the purchase price. A couple of months ago, we sent you all the documents you requested, I am assuming you need updated pay stubs and bank statements, anything else? We should have the signed purchase agreement tomorrow, we’ll forward all to you tomorrow. Thank you for all your help! Beth For sure interest rates have risen and will continue to move up, many buyers are recalculating their numbers are now not offering above the listing price in other to offset higher interest rates. Will this trend continue, most buyers tha...
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By Joe Petrowsky, Your Mortgage Consultant for Life
(Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709)
“Different Opinions on Healthcare”  The American Medical Association has weighed in on new health care proposals.The Allergists voted to scratch it, but the Dermatologists advised not to make any rash moves.The Gastroenterologists had a sort of a gut feeling about it, but the neurologists thought the Administration had a lot of nerve.The Obstetricians felt they were all laboring under a misconception. Ophthalmologists considered the idea short-sighted.Pathologists yelled, "Over my dead body!" while the Pediatricians said, "Oh, Grow up!"The Psychiatrists thought the whole idea was madness, while the Radiologists could see right through it.Surgeons decided to wash their hands of the whole thing. The ENT specialists wouldn’t hear of it.The Internists thought it was a bitter pill to swallow...
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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 April 2022Waterbury 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 76 active residential listings for sale, with 30 new listings being added in April. The homes for sale in Waterbury CT range from a 616 square ft, 1-bedroom ranch listed at $100,000 to a 3,260 square ft, 4-bedroom  ranch listed at $829,900. These listings are within the town zip...
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By Joe Petrowsky, Your Mortgage Consultant for Life
(Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709)
“Thank You for the Kind Words!” Amazing company awesome group . Would recommend anyone who is looking to feel like they are a priority and that you’re ready to be in your own home. I thank God for putting Right Trac Financial Group in my path. Five stars for sure! Thank you.  It isn’t possible to get tired of clients sharing their “Thank You”. It is our scoreboard for a job well done. It is also great when our entire office is appreciated for a job well done.  
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
Sunset in Prospect CTOur town doesn't have a lot of vistas that offer clear views of sunsets, but I had an opportunity earlier this week to get a shot through the trees.  In a couple of weeks, with full foliage this would not be possible,It was a pretty sunset even if we didn't get to see the final splash of colors.Sunset in Prospect CT 
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
Friday Flags in Prospect CTBeing a proud American as well as a veteran, I so appreciate seeing or flag waving proudly. Thanks to Mark Don McInnes, Sandpoint-Idaho  and his inspirational Friday Flags posts, I try to do the same in our area,This week, I stopped to take a flag that flies daily in front of the Prospect Veterinary Hospital on Waterbury Rd in Prospect CT, which shares a building with PAWS, a dog training facility.And after picking up your friend, what could be better than a special personal reward at the adjacent Big Dipper. It's a family owned, old fashioned homemade ice cream parlor with too much to please the eyes and the taste buds.Friday Flags in Prospect CT
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By Joe Petrowsky, Your Mortgage Consultant for Life
(Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709)
“There’s a Rental Epidemic”   I have been asking every client that we’ve done mortgage for over the last 12 months that was a first-time home buyer what they were paying for rent. We the average for apartments was $1594 and the average for a single-family home was $2340 and even more frightening was that in all cases, the rents were due to go up.OK, I’m sure I not sharing anything that is rocket science, indulge me for a moment. Many folks want to buy, but for one reason or another don’t believe they can. Issues, like down payment, low credit scores, not enough income—especially for the self-employed, properties that need repairs and there are other reasons. So, many of these prospective home buyers can actually buy if they were shown a path forward.USDA and VA require NO money down, C...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
Prospect CT Town Wide Tag Sale Sat 5.14.22It will be a day for driving cautiously and not getting upset at the way they park alongside the road. It's the annual town sponsored tag sale and many a front yard and driveways will be open with treasures from the owners looking to clear out the basement and garage with the treasures someone else wants.While many were urged to register in advance, there will be many just taking the advantage of added traffic to sell a few items as well.It is often said that one person's trash is another person's treasure so maybe that special items is waiting 2 streets over.If you like what you see while driving around the town, then maybe I can help you find a yard of your own, here in Prospect, CT.Prospect CT Town Wide Tag Sale Sat 5.14.22
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By Joseph Orabona, Your defense against the IRS
(Vector Tax & Accounting LLC)
 If you owe back taxes to the IRS, some amount of panic is understandable. After all, the Internal Revenue Service has the power of the federal government in its corner, something no other debt collector can claim. They are considered the most brutal collection agency on the planet. It is easy to freeze up and just do nothing when you owe back taxes to the IRS, but hiding from, or doing nothing about your tax debt will not make it go away. In fact, ignoring the taxes you owe will only make the situation worse, since interest and penalties can really add up. You also risk having your paycheck garnished (the IRS does not need a court order to do this) or your bank account levied. The IRS can also file a Notice of Federal Tax Lien making it all but impossible to obtain financing for a car ...
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By Joe Petrowsky, Your Mortgage Consultant for Life
(Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709)
“Dumb Bartender for Sure” A gorilla walks into a bar and, to the amazement of the bartender, orders a martini. When the bartender gives the gorilla the martini, he is further surprised to see that the ape is holding a $20 bill.The bartender takes the $20 bill, then he decides to see just how smart the gorilla is, so he hands the gorilla $1 change. The gorilla quietly sips the martini until the bartender breaks the silence."We don't get too many apes in here," he says.The gorilla replies, "At $19 a drink, I'm not surprised."  
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By Joe Petrowsky, Your Mortgage Consultant for Life
(Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709)
“I Am a Homeowner, Thanks to You!” I did really believe you, truly I didn’t. I never would have called you if it wasn’t for my brother, but he kept pushing me. He told me if you could get him and his wife a mortgage then “Petrowsky” can get you a mortgage. During my divorce and even after, my credit went to hell and had no clue how to start fixing it. Prior to contacting I was planning on hiring a company to fix my credit, they wanted $1200 and $100 per month. You must have thought I was crazy, but you ran my credit and coached me on how to clean up the issues. Sure, it took me almost a year to get my scores over 650, not bad after starting at 525. There were times I thought I will never own a home, but you never let me quit and keep encouraged. I am a homeowner, thanks to you! For sure...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
Happy Mother's Day 2022It’s a simple request and a few choice words will certainly bring joy to their hearts. Mom, Happy Mother’s Day, and I Love you.Mothers nurture, care, love.They feed us, and clothe us, wipe our running noseStay up with us when we are sick.They try to make us good people by teaching us right from wrong.They help us to understand how telling the truth is always the right thing to do.Mothers never judge and always carry hope.Today was a day to pay back just a bit by giving them a special day.I am blessed that my mom, Laura is still able to be at my table at 99 years young. Things aren’t what they used to be but taking care of herself is a plus.Dad passed this past January but Mom is still going strong.Happy Mother's Day 2022
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By George Souto, Your Connecticut Mortgage Expert
(George Souto NMLS #65149 FHA, CHFA, VA Mortgages)
Tomorrow is Mother's Day, and l would like to wish all mothers a very Happy 2022 Mother's Day.  On Mother's Day we always try to do something special for the Mother's at our Church.  So several years ago we started what has become a tradition of serving breakfast to our mother's and expecting mother's to be on Mother's Day.My youngest youngest son Brandon and his wife have coordinated the breakfast, and done most of the cooking the last few years.  Brandon loves to cook, and he and his wife Leah do an excellent job hosting this event, and will probably be in charge of the Mother's Day Breakfast for several more years to come. After breakfast all the men pitch in cleaning up, and preparing for our Sunday morning Worship Service.  After service my wife and I, and my son and his wife head ...
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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 April 2022?   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 12 active residential listings for sale, with 8 new listings added in April . The homes for sale in Prospect CT range from a 2,320 square ft, 4-...
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By Joe Petrowsky, Your Mortgage Consultant for Life
(Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709)
“Our Offer was Higher than the Offer that was Accepted” Hi Joe!After putting in an offer on a 3-unit multi-family home and not getting our bid accepted we wanted to further understand why it wasn't accepted. There was one other bid. They accepted this offer on the basis that it was a Conventional Loan. Our agent told us the other offer was more appealing to the seller because they believed the turnaround time to close the loan would be quicker on a conventional loan and no inspection would be required. The other offer went in at asking price...we went higher than asking price. Help me understand? How is it in the sellers’ best interest to accept an offer for thousands less that what another buyer would pay? There are so many misconceptions about FHA mortgages. There is no such thing as ...
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By Joe Petrowsky, Your Mortgage Consultant for Life
(Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709)
“Glad these Categories were Not Around When I was Dating”   You see a gorgeous girl at a party.You go up to her and say, "I am very rich. Marry me!" That's Direct Marketing. You’re at a party with a bunch of friends and see a gorgeous girl.One of your friends goes up to her and pointing at you and says, "He's very rich. Marry him." That's Advertising. You see a gorgeous girl at a party.You go up to her and get her telephone number.The next day you call and say, "Hi, I’m very rich. Marry me." That's Telemarketing. You're at a party and see a gorgeous girl.You get up and straighten your tie; you walk up to her and pour her a drink.You open the door for her; pick up her bag after she drops it, offer her a ride, and then say, "By the way, I'm very rich. Will you marry me?" That's Public Rel...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
Spring Lake Village, Southington CT Active Adult Condos Spring Lake Village in Southington CT is a complex of 640 condos designed for adults that want the comforts of a home but without the maintenance.The condos at Spring Lake Village are designed with many different styles, all built with quality and comfort in mind. Almost all have first floor master bedroom suites with walk-in closets and spacious full baths. There are 1, 2 or 3 bedroom units, with at least 1 full bath and many have 2 full baths.Full basements for extra storage and first floor laundry are common in many of the nits. The condos are laid out in clusters of homes with walking trails, and large landscaped grass areas to give the feel of privacy and space. There are private decks for the barbeque or to just sit and relax...
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By Joseph Orabona, Your defense against the IRS
(Vector Tax & Accounting LLC)
 Tax returns can be complicated and tricky to understand. Even for a professional, it can be surprisingly difficult to get every number and detail right. Often, you only notice the mistakes when you take a casual look at your return days after you submit it online or drop it in the mailbox. Or worse, the IRS sends you a letter telling you something is off.So, is there anything that you can do after your return is in?Actually, there's a lot that you can do. But if you don’t know where to start, it’s best to leave it to a professional. Our tax resolution specialists can navigate the IRS maze so that you have nothing to worry about. We help people who owe back taxes or have back tax debt. Call us today for a free consultation. 3 Major Types Of MistakesThere are many red flags the IRS looks...
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Connecticut Real Estate Agents and Real Estate Professionals