It is 5:30 PM and the first snow fall in Middletown Connecticut for the 2009-2010 Winter Season has arrived, and I am sure that this will be the first of many.  We are suppose to get 1-3 inches so I might not have to break out the snow shovels, hopefully the morning sun will melt it a way.  My wife loves the snow, but has never shoveled it, maybe I will get her, her first snow shovel this Christmas since she like the white flaky stuff so much.  Good thing she does not read my blogs so it can be a surprise ........ LOL   ***************************************************************************************************************** Info about the author: George Souto is a Loan Officer who can assist you with all your FHA, CHFA, and Conventional mortgage needs in Connecticut. George r... 12/05/2009

There were three people stranded on an island, a brunette, a redhead, and a former blonde Olympic swimmer. The brunette looked over the water to the mainland and estimated about 20 miles to shore. So she announced, "I'm going to try to swim to shore." The blonde Olympic Swimmer said "No way - it's 20 miles you'll never make it!"  The brunette decided it was better than starving so she decided to try it.  She swam out five miles, and got really tired. After ten miles from the island, she was too tired to go on, so she drowned.The second one, the redhead, said, "I wonder if she made it. I guess it's better to try to get to the mainland than stay here and starve." The blonde again replied, "It's too far you'll never make it!"  But there was no changing the mind of a redhead!  So she attemp... 12/04/2009

BLONDE: "Excuse me, what time is it right now?"WOMAN: "It's 8:25PM."BLONDE: (confused look on face) "You know, it's the weirdest thing, I've asked that question thirty times today, and every time someone gives me a different answer." ☺ MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181330 Roberts Street 4th FloorEast Hartford, CT 06108 credit repair company  12/03/2009

  The Perfect Joke Once upon a time, a perfect man and a perfect woman met.  After a perfect courtship, they had a perfect wedding. Their life together was of course, perfect. One snowy, stormy Christmas Eve, this perfect couple was driving their perfect car along a winding road, when they noticed someone at the side of the road in distress. Being the perfect couple, they stopped to help. There stood Santa Claus with a huge bundle of toys.  Not wanting to disappoint any children on the eve of Christmas, the perfect couple loaded Santa and his toys into their vehicle. Soon, they were driving along delivering the toys.  Unfortunately, the driving conditions deteriorated and the perfect couple and Santa Clause had an accident. Only one of them survived the accident! Question: Who was the s... 12/02/2009

Once a blonde went to the library to get a book. A few days later, she returns and says to librarian at the counter, "This book was very boring. It had too many characters and too many numbers, so i would like to return it." The librarian turned and said to the other librarian, "I told you the phone book would turn up!" ☺ MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181330 Roberts Street 4th FloorEast Hartford, CT 06108 credit repair company  12/01/2009

Credit Repair in Connecticut National Credit Fixers: 330 Roberts Street Suite 402 East Hartford CT 06108 phone: 860-282-6181. National Credit Fixers boasts of 13 years experience repairing low FICO scores. Whether your credit has been damaged by a foreclosure, bankruptcy, slow credit, collections, judgments, repossessions, etc. we can help. We are the experts in credit restoration and credit repair. We have helped numerous residents of Connecticut. We are experts in Connecticut Credit Repair.  Don't wait any longer to get that new car or house! Call us today and speak with one of our credit repair specialist today!  Let us show why we're the BEST! ☺ MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181330 Roberts Street 4th FloorEast Hartford, CT... 12/01/2009

I am Thankful for 200,000 ActiveRain Points   On July 31st I hit 100,000 points and on Thanksgiving less than 4 months later, I broke the 200,000 point milestone!  That's an average of over 25,000 points per month.  It's time to celebrate and be thankful - Cheers! ☺ MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181330 Roberts Street 4th FloorEast Hartford, CT 06108 credit repair company  11/28/2009

Here is my Movie review for The Blind Side starring: Sandra Bullock, Tim McGraw, Quinton Aaron, Lily Collins, Ray McKinnon. I give this movie 3 thumbs up.  It is in my opinion a must see.  In my movie reviews, I do not like to discuss the particulars of a movie so as not to ruin your own movie going experience, so I will just say this one was worth the $10 admission price.  I found the movie to be enjoyable from the start to the finish! ☺ MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181330 Roberts Street 4th FloorEast Hartford, CT 06108 credit repair company       11/25/2009

A blonde was standing in front of a soda machine in the casino food court. After putting in sixty cents, a root beer pops out of the machine. She set it on the ground, puts sixty more cents into the machine, and pushes another button; suddenly, a coke comes out the machine!She continued to do this until a man waiting to use the machine became impatient. "Excuse me, can I get my soda and then you can go back to whatever stupid thing you are doing?"The blonde turns around and says, "Yeah right! I'm not giving up this machine while I'm still winning!" ☺ MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181330 Roberts Street 4th FloorEast Hartford, CT 06108 credit repair company   11/23/2009

This conversation was heard between a blond and her boyfriend just before they broke up: Boyfreind: "Why do you never scream my name when you have an orgasm?"Blonde: "Because you are never there." ☺ MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181330 Roberts Street 4th FloorEast Hartford, CT 06108 credit repair company 11/21/2009

  The seasons in New England are very distinct and very different from one another.  Spring is filled with crisp air, blooming flowers, budding trees, and grass that is beginning to grow.  Summer is warm, with a couple of weeks that gets very hot and humid.  The flowers are in full bloom, trees are thick with green leaves, and cutting the grass is a weekly chore.  Fall is a canopy of colors, as the leaves on trees begin to turn bright shades of orange, yellow, and red, and different shades of green.  The weather is also cooler and crisp, but different from Spring.  Winter is cold and snow is plentiful.  The grass has stopped growing, and is usually covered with snow, as well as are the trees. But there is a fifth season, one that is not talked about, but equally distinct as the other f... 11/14/2009

LADIES AID, HOLIDAY BAZAAR  THIRD CONGREGATIONAL CHURCH 94 MINER STREET MIDDLETOWN, CT  06457 NOVEMBER 14, 2009 FROM 10:00AM TO 2:00 PM Are you getting into the holiday spirit.. or want to?  If so, the ladies Aid of the Third Congregational Church in Middletown Connecticut is holding their annual Holiday Bazaar tomorrow, November 14th, 2009 from 10:00am to 2:00pm. Start your Christmas shopping early by purchasing handcrafted gifts and/or homemade cookies and baked goods.  Come with friends and meet some there.  You can even enjoy lunch of Corn chowder and homemade sandwiches and desserts. So, come on by and enjoy warm fellowship, great food and get a jump start on your Christmas shopping. On a side note, I'll be making two dozen cookies for this event.  Come on over and see if you can f... 11/13/2009

I just was made aware of this and wanted to get the word out to our Military Service Men and Women, as well as all our Veterans.  Applebee's is offering all our Veterans and Active Duty Military Members a free meal today to honor all our Military Personal and Veterans on Veterans Day. Applebee's will be offering six entrees on their menu to choose from, all that a Veteran or Military Service Man or Women needs to do is to provide one of following as proof of service: U.S. Uniform Services identification card U.S. Uniform Services Retired ID card Current leave and earnings statement Veterans organization card A photograph in uniform Service members may also wear their uniforms as proof of military service. A free meal always sounds good to me, and as a Vietnam Veteran I might just take A... 11/11/2009

Credit Repair in Middlesex County Connecticut National Credit Fixers: 330 Roberts Street Suite 402 East Hartford CT 06108 phone: 860-282-6181. National Credit Fixers boasts of 13 years experience repairing low FICO scores. Whether your credit has been damaged by a foreclosure, bankruptcy, slow credit, collections, judgments, repossessions, etc. we can help. We are the experts in credit restoration and credit repair. We have helped numerous residents of Middlesex County CT. We are experts in Credit Repair.  Do you want to speak to a real person and have one person working on your credit repair?  At National Credit Fixers each client is assigned a credit repair specialist that makes sure you get personalized credit repair plan. Call us today to see why we're the BEST! ☺ MattToll Free: 888... 11/09/2009

  This is a picture that my brother just took in his back yard in Arizona.  It is almost as if the Hawk was posing for him :)   ***************************************************************************************************************** Info about the author: George Souto is a Loan Officer who can assist you with all your FHA, CHFA, and Conventional mortgage needs in Connecticut. George resides in Middlesex County which includes Middletown, Middlefield, Durham, Cromwell, Portland, Higganum, Haddam, East Haddam, Chester, Deep River, and Essex. George can be contacted at (860) 573-1308 or gsouto@mccuemortgage.com 11/08/2009

It's been a busy day in credit repair world.  I thought I'd take a moment to post some more blonde jokes!  Did you hear about the blonde who took an hour to cook Minute Rice?Did you hear about the blonde who got into the taxi, and the driver kept the "Vacant" sign up?Did you hear about the blonde who was an M.D.--Mentally Deficient?Did you hear about the blonde who thought nitrates was cheaper than day rates?Did you hear about the blonde who after watching the ballerinas, wondered why they didn't get taller girls?Did you hear about the blonde who went to a nudist camp for a game of strip poker?Did you hear about the blonde who brought her cosmetics with her for a make-up exam? ☺ MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181330 Roberts Str... 11/03/2009

  Not often that I get to see an almost full moon while it is still day light.  Who knows maybe we will have a full moon for halloween.   ****************************************************************************************************************** Info about the author: George Souto is a Loan Officer who can assist you with all your FHA, CHFA, and Conventional mortgage needs in Connecticut. George resides in Middlesex County which includes Middletown, Middlefield, Durham, Cromwell, Portland, Higganum, Haddam, East Haddam, Chester, Deep River, and Essex. George can be contacted at (860) 573-1308 or gsouto@mccuemortgage.com 10/30/2009

The third and last change that we have been notified of this week is a change to FHA Appraisal Expiration.  FHA Appraisals use to be good for six month, this was both good and bad.  Good because if an appraisal was done on a property, and the deal fell apart, the appraisal would still be applicable for a six month period, and the new Buyers/Borrowers would continue to use the same appraisal, because it was attached to the FHA Case Number.  Therefore, they were able to save money on an appraisal.  The Bad part is that if the reason for the deal falling apart was because of appraisal issues, or the house under appraised, those issues would continue to be a problem for six months, and you could not get away from them by doing a new appraisal. With this change FHA has reduced the appraisal ... 10/28/2009

The second up coming change that Kim Neilson our Senior Vice President at McCue Mortgage recently made us aware of, are changes to FHA Streamline Refinancing.  Unlike the up coming change that I wrote about yesterday, this change will only affect existing FHA Borrowers, but given the number of FHA Loans that have been done over the last few years, this change will still an impact on a significant number of homeowners. The up coming changes to the FHA Streamline refinance guidelines will become effective with FHA case numbers assigned on or after 11/18/09, and are as follows: Borrower must be receiving a net tangible benefit as the result of the streamline refinance in one of the following ways: 5% reduction in total mortgage payment. Adjustable Rate (ARM) to Fixed Rate. Reducing the ter... 10/27/2009

Kim Neilson our Senior Vice President just released some information to all our Loan Officer about Industry Changes that will be happening over the next two to three months.  These are changed that will affect many of us in the Real Estate Industry, especially the change that I am writing about in this blog, Fannie Mae Automated Underwriting (DU) Eligibility Changes.  If all of us are up to date on the up coming changes, than we can all better serve and advice our Borrowers and Buyers.   This first change, Fannie Mae Automated Underwriting (DU) Eligibility Changes, is going to have a major impact on 2 Unit Multi-Family Properties, and the sooner the word gets out about it the better.  Fannie Mae will be releasing Automated Underwriting (DU) Version 8.0 on December 12.  Changes included ... 10/26/2009