THE
Real EstateBook
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COMPLETE HOME FAIRFIELD COUNTY
Volume 32, Issue 10
More Info On Cover Property: See Page 2
RealEstateBook.com
LISTING AGENT: Tonja Walker 917-902-2454 Coldwell Banker
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michelleandcompany.com michelleand company.com WILLIAM RAVEIS REAL EST ESTATE ATE | F FAIRFIELD AIRFIELD CO COUNTY, OUNTY, CT | 203.454.4663 (HOME) ME)
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Are You Prepared for Home Inspection? 1. Clean out dirty gutters or debris from the roof. 2. Trim trees, roots, and bushes back from foundation, roof, siding, and chimney. 3. Seal asphalt driveways, if cracking. 4. %NGCP QT TGRNCEG *8#% Ć&#x201A;NVGT 5. Test all smoke detectors to ensure they are in safe working condition. 6. Donâ&#x20AC;&#x2122;t do quick cheap repairs. You may raise questions that will unfairly cause great concern to buyers and inspectors.
Home inspections and appraisals are integral parts of the home selling process, so itâ&#x20AC;&#x2122;s important that youâ&#x20AC;&#x2122;re completely prepared. Before meeting with a home inspector, do your best to have everything crossed off on your checklist, most of which can be done at little to no cost!
7. Ensure that all doors and windows are in proper working condition, including repairing any cracks. 8. %JGEM CPF Ć&#x201A;Z CP[ NGCMU QP RNWODKPI Ć&#x201A;ZVWTGU #RRN[ ECWNM KH PGGFGF 9. Have clear access to attic, crawlspace, heating system, garage and other areas that will need to be inspected. 10. Make sure all utilities are turned on if the house is vacant. This includes water, electric, water heater, furnace, air conditioning, and breaks in the main panel.
As a home seller, itâ&#x20AC;&#x2122;s important to understand what you need to do as well as VJG KUUWGU VQ Ć&#x201A;Z DGHQTG IGVVKPI [QWT JQOG KPURGEVGF # RTG NKUVKPI KPURGEVKQP KU TGEQOOGPFGF HQT RQVGPVKCN UGNNGTU VQ KFGPVKH[ KVGOU VJCV VJG[ PGGF VQ DG CYCTG QH #HVGT CNN UWTRTKUGU CTG PGXGT C IQQF VJKPI YJGP KV EQOGU VQ JQOG KPURGEVKQPU CPF UGNNKPI C JQWUG Source: The National Association of Home Inspectors
10 SAFETY TIPS FOR YOUR NEXT OPEN HOUSE September marked the beginning of “REALTOR® Safety Month” hosted by the National Association of REALTORS® (NAR). The entire mission of this program is to help you, as the home seller, understand the risks you can face from the moment you place your house on the market to sell. To ensure your safety during an open house, remember these 3 core components:
Knowledge. Awareness. Empowerment. Realtor® Safety Month is here to remind us to know the dangers we face every day, to be aware of our surroundings, and empower ourselves with precautions and preparations so we can avoid any risky situations that may arise. An open house can be a great marketing tool, but it also exposes you to many unfamiliar people for the first time. Stay safe during your next open house by following these guidelines:
Source: National Association of REALTORS® Safety Week Kit
9
2 1. Inform your area’s police department. Before your open house, pick up the phone and call the local police department. Ask them to have a squad car drive by during your open house hours. 2. Check your cell phone. Make sure you have a good signal on your cell phone prior to the open house. Have emergency numbers programmed on speed dial. Additionally, make sure your cell phone is fully charged and carry a charger just in case. 3. Have an escape plan. Determine several “escape” routes that you can use in case of an emergency. Make sure all deadbolt locks are unlocked to guarantee a quick escape. 4. Let there be light. Turn on the lights and open the curtains. These are not only sound safety procedures, but also great marketing tactics. 5. Have a backyard exit. Make sure that if you were to escape through the back door, you can do so through the backyard. Remember that it’s common for high fences to surround yards that contain swimming pools or hot tubs.
1 7. Don’t lead prospective buyers. Direct them. When showing your home during the open house, always make sure you walk behind the prospective buyer. Direct them; don’t lead them. Say, for example, “The kitchen is on your left,” and then gesture for them to go ahead of you. 8. Have someone to call. Notify a friend or family member that you will be calling them every hour on the hour. And, if you don’t call, they are to notify the police right away. 9. Tell your neighbor. Let your next-door neighbor know that you will be showing your house, and ask if he or she would please keep an eye and ear open for anything out of the ordinary. 10. Hire a REALTOR®. When it comes to selling your home, remember you don’t have to do it alone. Real estate agents know how to get the job done, and your safety is their #1 priority. By hiring a trustworthy REALTOR®, you’ll get the honesty and expert advice that will take the stress out of selling.
6. Jot down their vehicle information. As prospective buyers begin to arrive, write down the type of car they have, license numbers, and physical descriptions.
6
4 WAYS TO ACHIEVE A STRESSFREE MOVE Moving can lead to new, exciting possibilities, but it also means leaving behind the people and places you love. While some sentimental items can be taken to your new place, many memories just aren’t transportable. To ensure your treasured belongings arrive safely to your new home, be prepared with these stress-free tips. 1. Make Room for New Memories Taking every item of sentimental value with you to your new home is not always possible. Moving is the perfect opportunity to organize and purge items you don’t need or won’t use in your new residence. To lessen the load on moving day, hold a garage sale or donate unwanted items to a local charity. Once you’ve determined which objects will make the move, decide where they’ll go in your new place. 2. Organize, Don’t Agonize Starting the process early can help avoid stressful last-minute packing, and give you time to be a bit nostalgic. Before you begin boxing things up, take videos and photos of each room to preserve your memories of that space. Then, make a checklist of everything you need to accomplish before moving – packing, cleaning, cancelling and restarting utilities, registering the kids for school – and set a timeline for completing each step. Once you’re ready to start packing, work room by room to make the task seem more manageable. Put together an “open me first” box with the gear you’ll need immediately, such as tools to assemble furniture, cleaning supplies and shelf liner for drawers, closets and kitchen cabinets.
3. Protect Delicate Possessions To ensure your belongings arrive safely, it’s essential to pack possessions with extra care. Safeguard breakables with wrapping materials designed to protect fragile goods, such as bubble wrap cushioning. Next, pack items in clean, sturdy containers in a variety of sizes. Use large boxes for bulky yet lighter furnishings such as pillows and blankets, and place heavier objects in smaller boxes to avoid unnecessary strain. Seal boxes securely with a durable packaging tape. Be sure to label boxes clearly, marking them on the sides of the boxes, not the top. This step makes it obvious what’s inside, even if they’re stacked. 4. Have Help on Hand There are many affordable moving companies that can make the transportation a smooth transition. Doing it yourself can be physically tough and expensive, so it’s easy to see how hiring a moving company is the right path.
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W I L L I A M R AV E I S R E A L E S TAT E | M O R T G A G E | I N S U R A N C E
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FEATURED HOME: SOUTHPORT NEW CONSTRUCTION
Enjoy the view
similar to photo
137 MEADOW RIDGE ROAD, SOUTHPORT Stunning, custom-designed, new construction in sought after Southport. Premium setting at the end of a quiet cul de sac with exquisite Long Island Sound and meadow views from every floor. Thoughtfully sited with Southern exposure, sunset views and windowed primary rooms bringing the outside in. Every inch offers exciting and sophisticated trim design, specialty flooring, gorgeous marbles, coffered ceilings. An open and creative floor plan that is inventive and yet, functional: hidden room off one of the suites, an expansive entertainment suite, 2 laundry areas, 2 family rooms. A breath of fresh air from your traditional, “Spec” built homes. Exclusively offered at $2,030,000. Call Denise Walsh directly at 203.650.1583 to preview. 5 BR/ 5 Full Baths / 3 Car Gar/ 1.19 Acres
DIRECT WATERFRONT CONSTRUCTION
LOWER GREENFIELD HILL
TRI-LEVEL BEACHSIDE TOWNHOME
LUXURY HOME ON PRIVATE PINE CREEK PENINSULA
LIFEST YLE PROPERT Y WITH GUNITE PO OL
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464 PINE CREEK AVENUE, FAIRFIELD
999 BURR STREET, FAIRFIELD
123 COLLEGE PLACE #123, FAIRFIELD
One of a kind home, thoughtfully designed to capture the
Down a private tree-lined drive in a coveted lower Greenfield Hill
Million dollar views without the price tag! Wide open floor
essence of luxury coastal living. Offered at $2,675,000
location. Chef’s kitchen & 2 Master Suites. Offered at $1,045,000
plan with updates & private roofdeck. Offered at $745,000
6,000+ SF | 1.47 ACRES | PRIVATE DOCK
3,300 SF | 4 BR | 2/1 BA | 2.42 ACRES | IG POOL
2,100 SF | 3 BR | 2/1 BA | PRIVATE BEACH ACCESS
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FastTrack PROPERTY! 613 SOUTH BENSON ROAD, FAIRFIELD
109 BALDWIN TERRACE, FAIRFIELD
Weekend, empty nester, starting out...Seaside gem with amazing location, gorgeous yard and custom features including vaulted ceilings, one floor living, a master bedroom with full bath and its own private screened porch. A sanctuary that is a block from the beach and the marina. Offered at $699,000.
Location, location, location. Walk across the street to Jennings beach & park. Stroll around the corner to the Marina and fishing pier. Enjoy the mahogany front porch and waterviews from the master suite. This is a lifestyle house! Treat yourself. Unfinished 3rd floor w/ views! Offered at $719,500.
FAIRFIELD LAND WATCH
JUST LISTED: SOUTHPORT
630 & 640 HOYDENS LANE 2.22 ACRES - $525,000 or 3.04 ACRES - $525,000 Approved building lots with septic installed, foundation , full set of building plans, rough graded, roughed in drive, and cleared. Private setting down lane in quiet residential area. Surrounded by mature trees. Enjoy the bucolic setting without giving up convenience. Walk to golf course and hiking trails, close to shopping, restaurants, and commuter routes. OWNER WANTS ALL OFFERS! ½½ Ä®Ý ã 203.650.1583
2500A HILLSIDE ROAD 4.72+ ACRES - $795,000 Set far back from the road close to Audubon Lane and abutting Audubon Open Space. Approved building plan, septic and pool site.
464 PINE CREEK AVENUE DIRECT WATERFRONT 1.47 ACRES - $1,275,000 “Serenity Park on Pine Creek Waterway” is on its own private pennisula nestled at the end of Pine Creek Ave. Surrounded by water on three sides! Approved building plan with pool site, private dock & mooring. MUST SEE
FastTrack PROPERTY! 1093 MILL HILL TERRACE, SOUTHPORT Quintessential NE colonial, down to the white picket fence! Traditional formal rooms, with open kitchen & family room. True value with deck, office, MBR with high ceilings, full bath and WIC, finished LL and good storage. Classic easy to care for home close to train, schools, shopping. Offered at $899,995.
view all fairfield county properties at
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GREEN ACRE LANE COLONIAL Westport Private/Central. Distinct with oversize windows, 5 bedrooms, 3 levels of living. Updated baths/chefs kitchen. Sweeping views of 16 acre lawned preserve. $1,859,000 Web#99106702 Mark Gilrain 917.287.2451
EVERYTHING YOU EXPECT & MORE! Westport Redone w/finest materials/details. Open floor plan, gourmet kitchen, designer tiled floor w/ radiant heat, spectacular baths. Private patio, walk to beach & playground. Geothermal heat, foam insulation & work shop. $1,495,000 Web#99091773 Pat Abagnale 203.858.1576 Bobbie Abagnale 203.240.9537
EXCEPTIONAL S. WILTON HOME Wilton Fabulous 4500SF home offers 4BRs, huge Great Room w/ vaulted ceiling, updated kitchen w/fplc open to family room, luxurious MBR suite. Double-tiered deck overlooks large, level yard. This home has it all! $1,299,000 Web#99105256 Anne Oliver 203.762.8118
GREAT HOME, GREAT LAND Westport Great opportunity to own a piece of Westport history. Four bedroom home on 1.09 acre in the center of town. 2,679 square feet of charm and character. $915,000 Web#99058627 Jean Coleman 203.858.5185
COUNTRY SERENITY Weston 4000+ SF, 4BRs, 3 baths contemporary! Open floor plan, gourmet kit w/stone fplc, breakfast/sitting area, multi-level decks overlooking koi pond & private yard. LL incl FR w/fplc. $825,000 Web#99115007 Barbara Reynolds 203.216.2591 Bobbie Abagnale 203.240.9537
TRADITIONAL W/ CONTEMP FLAIR Wilton Bright & beautiful home has easy colonial-style flow & is flooded w/light from all rooms w/wrap-around decks & porches. Sited on property across from Aspetuck Country Club. $799,000 Web#99099425 Mark Basile 203.246.0771
QUIET, QUAINT & CONVENIENT Stamford 3BR, 2 full bath Cape is convenient to all! Located on a cul-de-sac with city water & sewer, hardwood flrs, new windows, updated kit, SS appliances & more! $385,000 Web#99115570 Lisa Raymond Grabisch 516.884.9624
BATHED IN SUNLIGHT Norwalk End unit Townhouse in terrific condition at end of cul-de-sac. Hardwood floors, kitchen w/granite & SS appliances. Walk to train. $309,900 Web#99087731 Michael Manzino 914.391.8885
LINDEN HOUSE Stamford Fabulous 3BR 2nd floor end unit with updated kitchen and new hardwood flooring. Spacious, light & bright open floorplan, MBR w/bath. Common charges include heat, how water & cooking gas. $279,500 Web#99111118 Dave Johnson 203.253.5670
Halstead Connecticut, LLC. We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status or national origin.
Darien & Rowayton: 203.655.1418
Greenwich: 203.869.8100
New Canaan 203.966.7800
halstead.com Connecticut
New York City
Hamptons
New Jersey
Hudson Valley
GRACIOUS CONTEMPORY COLONIAL Wilton At the end of a cul-de-sac, this 4BR, 3.5 bath home offers over 4200SF of fantastic living space, 3 fplcs, huge deck and level backyard. $1,135,000 Web#99092488 Anne Oliver 203.762.8118
MID-CENTURY ONE-LEVEL LIVING Greenwich Ranch-style 4 BR, 3.5 bath home set on 2.3 park-like acres. Great Room w/vaulted ceiling, beams & stone fplc opens to expansive stone patio & gardens. First time on market in 21 years! $1,050,000 Web#99109748 Nancy Gioielli-Wong 203.762.8118
ESTATE-LIKE RENOVATED HOME (CKTſGNF Newly renovated Farm House on 2 acres bordering Conservation land offering an estate-like quality. LR/DR open concept, huge kitchen, 3.5 baths. $1,050,000 Web#99096993 Carol Ann Decker 203.856.4131
REMARKABLE ANTIQUE HOME Redding Built c.1760 in Old Lyme, this home was moved to Redding in 1954. Sited on 1.67 acres, it features wide plank flrs, 5 fplcs, kit/brkfst rm addition w/reclaimed materials, barn w/garage & loft, and English gardens. Must see! $649,000 Web#99117096 Ellen Garcia & Bozena Jablonski 203.762.8118
CHARM! CHARM! CHARM! Wilton Enjoy the ambiance of this lovely 3BR antique home with newer vaulted ceiling FR w/fplc – perfect blend of old and new! Spacious MBR w/wide plank flrs. Large level yard. Great commuting location. Just reduced! $609,000 Web#99107159 Helen Whitten 203.762.8118
LOWER WESTON OPPORTUNITY Weston 4BR Cape on 2.7 level acres w/Saugatuck River frontage, just 10 mins to Pkwy, downtown Westport & Weston’s award-winning schools. Reduced! $589,000 Web#99078161 Ellen Garcia 203.762.8118
DELIGHTFUL SPRINGDALE Stamford Move in and enjoy the four season view from your balcony in this lovely and spacious 1BR, 1BA unit. Full size W/D, and many updates. Minutes to train, restaurants, movie theatre and more! $245,000 Web#99116999 Dave Johnson 203.253.5670
WALK TO STAMFORD HOSPITAL Stamford Convenient to Stamford Hospital and downtown Stamford from this 3BR condo. Galley kitchen, large living room/dining area, and 2 parking spaces. $225,000 Web#99115328 Diane Longo 203.273.8050 Richard Rosum 203.912.6556
LOVELY SYLVAN KNOLL Stamford Freshly painted, redone original maple floors, EIK, & updated bath w/ walk-in shower (bathfitter). Gracious backyard. Pet friendly community w/ park-like setting near beaches, I-95 & bus line. $149,950 Web#99116912 Nancy Rondano 203.223.6769
Stamford: 203.329.8801
Westport: 203.221.0666
Wilton: 203.762.8118
CONNECTICUT
NEW YORK CITY
HAMPTONS
ROWAYTON TRIFECTA - WATERFRONT…POOL…DOCK Rowayton Transform your life! Walk to Bailey Beach & tennis courts. Ride your bike to town. Launch a kayak from your own dock and be on LI Sound in minutes. $2,998,000 Web#99119695
NEW JERSEY
HUDSON VALLEY
INCREDIBLE VALUE Darien Spacious 5BR Colonial with the added bonus of an additional 2BR guest suite w/separate entrance. Updated kitchen. Close to train, shops, park & school. $995,000 Web#99115240
JOANNE SHAKLEY 203.858.6352 | jshakley@halstead.com
LYNNE SOMERVILLE 203.984.9040 | lsomerville@halstead.com
WEST NORWALK CHARMER West Norwalk Desirable 4BR French Provencial Colonial situated on an acre on a picturesque cul-de-sac with circular drive. Featured in 1970 House Beautiful! $749,000 Web#99116264
EASY ONE FLOOR LIVING Norwalk Attractive 3 bedroom move-in condition Ranch situated on .64 acre located on Darien/Rowayton border. Less than a mile to Rowayton train. $415,000 Web#99117730
JOAN GALLAGHER 203.536.3737 | joangallagher@halstead.com
JOAN GALLAGHER 203.536.3737 | joangallagher@halstead.com
Darien & Rowayton: 203.655.1418 Greenwich: 203.869.8100 New Canaan 203.966.7800 Wilton: 203.762.8118 Stamford: 203.329.8801 Westport: 203.221.0666 Halstead Connecticut, LLC. We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status or national origin.
halstead.com
CONNECTICUT C ONNE C TI C UT
NEW N E W YORK YORK CIT CITY Y
HAMPTONS HA MPTONS
NEW N W JER NE JERSEY SE Y
HUDSON HUDSO N V VA VALLEY ALLE EY
EILEEN E I L EE EN B. HANFORD HANFORD | 203.253.0995 995 | ehanford@halstead.com
LUXURIOUS LUXU RIOUS LIVING L luxury xury waterfront association Rowayton Nestled in a unique lux with boat house, dock & access to moorings, this spectacular townhouse offers 3BRs, 2-car garage, gaarage, elevator & fabulous water views. $1,675,000 0 Web99046755 Web99046755
MOVE RIG RIGHT HT IN! IN! R owayton Sparkling colonial close to train, beach and a Rowayton restaurants w 5,000+SF F,, 5 ensuite BRs, custom kitchen kitch hen with 5,000+SF, room, lower with great roo om, mudroom, bonus room, huge finished low wer level aand more. $1,295,000 Web#99102918 Web#99102918
N NANTUCKET-STYLE ANTUCKET-STY YLE CAPE Darien expect D arien Everything y g yyou'd expec p ct in this 4BR Cape…and p more. Chef's eat-in kitchen opens to the deck. Spacious living room w/fplc. Family room overloo overlooks ks the 1.1 acre & Selleck's Woods W oods nature preserve beyond. All A this on a cul-de-sac close to train, town & shops. Price Upon n Request W Web#99118380 eb#99118380
HOME H OME S SWEET WEET H HOME OME Adorable neighborhood Rowayton y Ad dorable 2BR bungalow g in a prime p neighborho g ood near village, restaurants r & parks. Loads of possibilities to live l in as is or exp expand pand & renovate on a street that's recently had haad a makeover. m akeover. $649,000 Web#99095886 Web#99095886
Darien & Rowayton: 203.655.1418 Gre Greenwich: eenwich: 203.869.8100 New Canaan 203.966.7800 Stamford: 203.329.8801 W Westport: estport: 203.221.0666 2033.221.0666 Wilton: 203.762.8118 Halstead Connecticut, LLC. We are pledged to the letter and spirit of U.S. We U.S. policy for the achievement of equal housing opportunity opportunitty throughthroughout the Nation. W e encourage and support an a affirmative advertising and marketing program in which h there are We no barriers to obtaining housing because of race, color onal origin. color,, religion, sex, handicap, familial status or natio national
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IMM MMACULATE ACULA AT TE TRI-LE LEVEL VEL TOWNHOUSE Beautiful complex in the he heart eart of Byram, 4 Brs, Large LR, Fireplace, EIK, LL & Attic, Attic, Att. garage $599,000
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FIGHT FOR A CURE DURING BREAST CANCER AWARENESS MONTH All across the world, with the help of countless foundations devoted to the cause, just about everyone is taking part in October’s Breast Cancer Awareness Month, an annual international health campaign organized by major breast cancer charities to increase awareness and raise research funds. The campaign encourages women to be “breast cancer aware” for detecting any early signs or symptoms. It all began when a partnership formed between the American Cancer Society and the pharmaceutical division of Imperial Chemical Industries, which produces many antibreast cancer drugs. As a result, National Breast Cancer Awareness Month (NBCAM) was founded in 1985. Their original aim was to promote mammograms, the most effective weapon against breast cancer.
Have you ever wondered where that pink ribbon, the famous symbol for breast cancer awareness, actually came from? The history of the pink ribbon goes back to 1991 when the Susan G. Komen Foundation was handing out pink ribbons in New York City during its race honoring breast cancer survivors. 2 years later in 1993, Alexandra Penney, editor-in-chief of Self, a women’s health magazine, teamed up with Evelyn Lauder, who was a breast cancer survivor and Senior Vice President of the Estée Lauder Companies. Together, they founded the Breast Cancer Research Foundation and made the pink ribbon their official symbol. Ever since, it has been used as a symbol of support for breast cancer awareness. We have come such a long way in breast cancer awareness and continue to do so, as you can see through the worldwide “pink” movement. It has gained great power as a marketing tool and has also transformed into a strong symbol of goodwill and compassion toward women in even the most general sense. Breast Cancer Awareness Month has even made a big enough impact to be recognized on professional NFL players’ pink uniforms and all different types of clothes and accessories. In addition, many famous buildings and landmarks have publicized their support by surrounding itself with a glowing pink light. Just some of these landmarks include the Eiffel Tower, the Empire State Building, Niagara Falls, the Harbour Bridge in Sidney, Constantine’s Arch in Rome, and basically all of Atlanta’s downtown area. Here at The Real Estate Book, we’re doing our part, too. From October 1st to the end of the month, we will donate $1 to breast cancer research and awareness for each new “Like” on our Facebook page until we reach $5,000. Fight for a cure now by “Liking” us at www.Facebook.com/RealEstateBook. Breast Cancer is one of the leading health problems in women. One in eight women will be diagnosed with breast cancer in their lifetime, and breast cancer is the second leading cause of death among women. Every “Like” on The Real Estate Book Facebook page counts toward a better tomorrow for those affected by breast cancer. Are you ready to do your part?
PREPARING YOUR FINANCES FOR HOMEOWNERSHIP Are you considering buying a new home? Now is the perfect time to get organized. Buying a home is one of the largest investments you will make, so itâ&#x20AC;&#x2122;s important to be well prepared before taking the leap. Follow these tips to RTGRCTG [QWT Ć&#x201A;PCPEGU HQT JQOGQYPGTUJKR 1.
GET YOUR CREDIT IN ORDER. Your credit is a large factor in determining whether or not you qualify for a mortgage, so Ć&#x201A;PF QWV [QWT ETGFKV UEQTG CV NGCUV VJTGG OQPVJU before buying. The higher the score, the easier it will be to qualify for a mortgage. To access your scores, either purchase them as you get your free reports from Annual Credit Report Request Service, or pay for them when you buy your reports from the credit bureaus: EQUIFAX www.equifax.com / 800-685-1111 EXPERIAN www.experian.com / 888-397-3742
costs should be no more than 30% of your net pay. Also, remember that a larger down payment of about 20% or more can save you hundreds and even give you more buying power. 4.
HAVE TRADE LINES. Did you know that most lenders prefer if you have three of more trade lines that have been open for at least a year? These can range from credit cards and students loans to a car loan. You should also avoid closing them because it can hurt your credit score.
5.
DO YOUR RESEARCH. Did you know that most lenders prefer if you have three of more trade lines that have been open for at least a year? These can range from credit cards and students loans to a car loan. You should also avoid closing them because it can hurt your credit score.
6.
CONSULT A REAL ESTATE PROFESSIONAL. The right real estate professional can walk you through all the steps. Whether youâ&#x20AC;&#x2122;re DW[KPI [QWT Ć&#x201A;TUV JQOG HQTGXGT JQOG QT C vacation retreat, the right RealtorÂŽ can not only help you get ready, but they can also negotiate the best deal and help you navigate VJTQWIJ Ć&#x201A;PCPEKPI EQPVKPIGPEKGU CPF ENQUKPI Choosing the right real estate partner is the best investment you can make when buying a home.
TRANSUNION www.transunion.com / 800-916-8800 2.
3.
PREPARE FOR EXPENSES BEFORE YOU BUY. Understand and plan for what you will need to spend before the actual purchase. Youâ&#x20AC;&#x2122;ll need enough cash for a down payment, closing costs, and a few monthsâ&#x20AC;&#x2122; worth of mortgage RC[OGPVU )Q CJGCF CPF Ć&#x201A;IWTG QWV QVJGT expenses like moving costs, furniture, and repairs. KNOW HOW MUCH YOU CAN AFFORD. Before you jump into a contract, make sure itâ&#x20AC;&#x2122;s something you can actually afford. List and total your monthly expenses, then subtract that from your monthly net income. Hereâ&#x20AC;&#x2122;s a good rule to keep in mind: your total housing
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Top aagents advertise in The Real Estate Â&#x153;Â&#x153;Â&#x17D;° 6Â&#x2C6;Ă&#x192;Â&#x2C6;Ă&#x152; ,i>Â? Ă&#x192;Ă&#x152;>Ă&#x152;i Â&#x153;Â&#x153;Â&#x17D;°VÂ&#x153;Â&#x201C; Ă&#x152;Â&#x153; wÂ&#x2DC;` >Â&#x2DC; agent in your area.
BE AT HOME WITH MCCULLOUGH AND COMPANY Carol McCullough 203.521.2781 cmccullough@bhhsNE.com
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UNINSURED Motorist (UM) UNDERINSURED Motorist (UIM)
What You Don’t Know
CAN HURT YOU...
Statistics show that over 50% of the driving public is uninsured or underinsured. UM/UIM coverage is critically important protection included in your personal auto insurance policy. UM/UIM coverage may be a life line when a member of your household suffers bodily injury resulting from an automobile accident anywhere in the world and will apply whether the injured party is a driver, passenger or pedestrian – but you need to make sure you have the right coverage.
PROTECT YOUR FAMILY! Let Tooher-Ferraris Insurance Group design a personal insurance program including Homeowners, Automobile and Umbrella that will maximize your protection and guarantee your financial security.
Because you need the solution before you have the problem!
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The Kent Building • 43 Danbury Road • Wilton, CT 06897 • www.toofer.com 28
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beauty.UNIQUE.serenity.ENJOY LIFE IN YOUR HOME
7 Bentagrass Lane, Newtown Stunning custom home!
$1,375,000
10 Butternut Ridge, Newtown $1,059,000
88 Hattertown Road, Newtown
Fabulous + wonderful neighborhood!
Private setting, entertainers dream!
20 Silver Brook Lane, Newtown $769,000
101 Hattertown Road, Newtown
Deer Run Estates,
Beauty at the end of the cul-de-sac!
Great down county commute
New Construction starting at $695,000
$689,000
$819,000
Bethel
119 Poverty Hollow Rd, Newtown $670,000
1 Sweet Meadow, Newtown
Fabulous home - wonderful neighborhood!
Victorian with spectacular views & property
Light, breezy, spacious with views and pool
11 Kelly Court, Newtown
7 Tory Lane, Newtown
36 Walnut Tree Hill Rd, Newtonwn $299,000
29 Whitewood Drive, Newtown
$579,000
$499,000
Public Open House on September 20, 1-3pm
$499,000
An abundance of space, barn and garages.
$585,000
Meticulously kept, great yard and location.
CONNIE WIDMANN â&#x20AC;˘ 203 856-6491
conniewidmann.raveis.com â&#x20AC;˘ connie.widmann@raveis.com
raveis.com
"The best website in real estate"
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