20 Cobtail Way, Simsbury, CT 06070-2529

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The Manter Realty Group Welcomes you to 20 Cobtail Way, Simsbury

Contact Michelle Manter 860-716-2227

or Carmelo Fichera 860-424-7861 for more details

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287 Hills St, East Hartford, Connecticut, MLS: G663460

Thlogo-lightback-pnge Manter Realty Group is proud to present 287 Hills St, located on the Glastonbury line in East Hartford. This gorgeous home sits on a usable .53 acres of land and has an array of updates from mechanical’s to cosmetics. Priced at 149,900 this home is a steal attracting first time home buyers and people looking to downsize alike.

 For a private showing or questions about the Home Please inquire with Michelle Manter @ 860-716-2227.

We're sorry, but we couldn't find MLS # g663460 in our database. This property may be a new listing or possibly taken off the market. Please check back again.

 

 

 

Consider Buying a House in Connecticut as Fun as Buying a Pair of Shoes

 

buying-shoesYour heart races and your palms grow sweaty.  You dream of this purchase day and night.  You have worked hard and saved a penny here and there just for this opportunity and it has finally arrived.  It’s time to buy that new pair of shoes!  No; really, it is bigger than that.  Much bigger.  Buying a home can cause you to be as excited and giddy as purchasing the latest fashion accent for your wardrobe.

You are now at a point where buying a home in Connecticut is a reality.  You have window-shopped and even “tried on” several homes for size.  Buying shoes is fun and so can buying your home.  However, before you take the plunge and spend your life savings on this new and appealing investment, just like purchasing that new pair of shoes, you want to shop around and ensure it fits and it’s comfortable.  No need to down play your giddiness or excitement, because it is warranted.

Before you purchase a great new pair of shoes, you first identify what you want.  This is essential.  Most shoppers don’t buy on impulse, but rather do a little bit of research so they know where to go, when, and about how much they will spend on this new pair.  This concept can easily translate into purchasing a new home as well.  You must ask yourself, “What do I want?  Does it fit?  Is it comfortable?”

What do I want? Questions to ask yourself

You are investing a substantial amount of money into this home.  You should research what options are available.  Create a check list for yourself of the necessary items the potential home should include.  This can be anything from the location, the bathrooms, the type of carpet, as well as how much more investment could be had at the hands of previous neglect or hardships. (Be prepared to compromise.)  The bottom line is, know exactly what you want so you have a great starting point.  Window-shopping and educating yourself is a great way to create your list of must-haves.

Does it fit?

does it fitIn the case of buying a material item, this is a must.  Obviously, it would literally be a pain if the item did not fit.  So, how does this translate into buying a home?  The potential home needs to fit with the demands of your life, the children, and career as well as leisure-time activities.  It can mean a huge pain in the bank for you, as the owner, if the home does not fit.  You really want it to fit with a little bit of “wiggle room”.  It’s important the financial strings do not have to be tied too tightly.  This is your home after all.

Is it comfortable?

Let’s face it, shoes must be comfortable or the investment is a loss.  Why would you buy a pair of shoes if the comfort is something to be desired?  Purchasing a home should be comfortable and leave nothing to be desired.  This may seem a little redundant from the previous point; however, the fit may be perfect, but is it comfortable when the day grows long?  Try it out.  Trying it on for size may only be a little more than window-shopping.  When you try it out for comfort you should seriously step into the home and feel it out for the long days ahead.  Buying for comfort should eliminate impulse buying. Picture yourself in the home not only in the now, but 3,5,even 10 years down the road.

Before you purchase a new home, try on your favorite pair of shoes.  While you wear said shoes, think about how nicely they fit and how comfortable they are.  Translate this good feeling into home shopping.

Get educated on finding and buying the perfect home for you and your family. Visit our Home Buyers page for questions you should ask yourself, first time home buyer info, Home buyers checklist, and many more tools that can help guide you through the buying process.

Contact Michelle Manter Giglietti  to help you realize your real estate goals.

Don’t Drench Your Home Sale by Ignoring Plumbing Issues

A plumbing checkup should be among your top priorities when preparing your home for sale. Your buying prospects might flush toilets, turns on faucets and inspect the showerheads, while more seasoned “experts” will look under the cabinets for leaks and check for water spots around key areas. The last thing you want is to drench a buyer’s enthusiasm because you didn’t fix a simple plumbing issue.
Major plumbing renovations may be huge selling points, but many homeowners can get as much credit by simply fixing leaks and changing out a few faucets. If you can’t make repairs yourself invest in a reputable plumber.
Before allowing prospective buyers into your home, make sure you have strong water pressure and that there are no stains on any of the porcelain. Hire a local housecleaning company to remove difficult stains.
If you do nothing else, take care of any leaks in your plumbing system, as these will be instant deterrents for buyers. Check as much of your plumbing as possible for corrosion or rust. If your house has more than one story, a smart buyer will look at ceilings for water stains from leaking pipes. Make sure to paint the ceiling following repairs.
Prospective homeowners tend to focus on places where they can use their hands, so make sure that all the hot and cold water knobs are easy to turn, and that the faucets do not leak. Also ensure that sinks and tubs drain easily.
Finally, updated fixtures catch the eye of prospective buyers. A relatively small investment for new faucets can pay off when prospects walk through.
No buyer wants problems. Take care of simple plumbing issues and keep your sale from going down the drain.

Michelle Manter can be reached at (860)716-2227. Prudential Connecticut Realty is an independently owned and operated broker member of BRER Affiliates Inc. Prudential, the Prudential logo and the Rock symbol are registered service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. Used under license with no other affiliation with Prudential. Equal Housing Opportunity.

 

HAMP Program Extended

President Obama in a recent State of the Union address spoke about homeownership and how the American Dream has dissipated for many due to lingering challenges in housing and mortgage lending.

The President offered hope to more homeowners by extending the Homes Affordable Modification Program (HAMP) until Dec. 31, 2013, and widening the program’s eligibility criteria.

HAMP allows qualifying homeowners with Fannie Mae or Freddie Mac mortgages made prior to June 1, 2009 to refinance to a better rate and more favorable terms. It also provides incentives to participating mortgage lenders that reduce principle for qualifying borrowers.

Millions of additional homeowners may be eligible for HAMP to reduce their homeownership costs and avoid foreclosure. Originally, the program was designed to reduce mortgage borrowers’ debt ratio to 31% of their incomes, and those below that threshold were not eligible. These borrowers may now apply for HAMP consideration, as can borrowers struggling under the weight of other liabilities, such as medical bills.

Eligibility also has been extended to owners of rental properties – as many as 700,000 landlords may qualify for loan modification under HAMP.

Moreover, borrowers who were approved for a HAMP trial period, but did not make the payments as scheduled, would now be eligible for consideration under new guidelines. Also, homeowners who missed payments under an approved HAMP modification would be eligible to reapply under the new rules.

The Obama administration announced it would triple balance-reduction incentives to lenders, paying up to 63 cents for every dollar lenders take off mortgage principal. The administration also said it would offer incentives to Fannie Mae and Freddie Mac to reduce principal on loans. Previously, the government had only offered incentives to private lenders and banks.

If your mortgage is owned, insured or guaranteed by Fannie Mae, Freddie Mac, FHA, VA or USDA you may be eligible for HAMP consideration. Contact your mortgage servicer for details.

Michelle Manter can be reached at (860)716-2227. Prudential Connecticut Realty is an independently owned and operated broker member of BRER Affiliates Inc. Prudential, the Prudential logo and the Rock symbol are registered service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. Used under license with no other affiliation with Prudential. Equal Housing Opportunity.

Down Payment Tips

 

Many people dream of owning a home but don’t think it’s possible because they lack the resources for a down payment and closing costs. Here are tips for securing that down payment.

1) Borrow from your retirement account: Many people have been investing in a 401(k) plan or traditional IRA for years and first-time homebuyers may borrow up to $10,000 for their down payment without incurring a penalty. For those self-employed or if your employer allows it, you also can borrow up to $50,000 from your current 401(k) and pay yourself back over five years at a low interest rate.

2) Ask family: Sure, you may be too proud to ask for money, but if relatives can help you and your family move into that dream home, isn’t it worth it? If you do get help from a family member, the lender will ask you to sign a gift-letter form, attesting to the relationship. The lender may also require your relatives to explain where they got the money and prove that they are financially able to make such a gift.

3) Look for down payment assistance grants: Down payment assistance and community redevelopment programs offer affordable housing opportunities to first-time homebuyers, low-income and moderate-income individuals and families who wish to own a home.

4) Come to a lease/purchase agreement: Homeowners who can’t sell their homes in this market may consider a lease/purchase agreement, where you rent the home you want to buy and a percentage of your rent is applied toward the down payment. If you go this route, make sure you get a contract outlining all the details so both parties are protected.

5) Add it to the wedding registry: Several mortgage companies allow those getting married to set up a down payment registry. This is a great way to celebrate the joining of two people in matrimony.

6) Cut back and save: If none of the other ways will work for you, there’s always the old fashioned “saving for a rainy day.” Try putting aside 10% of each paycheck and make your meals instead of going out for them. If you’re married, save the money you would spend on birthday, anniversary and Christmas presents and put it toward your house. You also may need to forget that vacation this year.

These sacrifices may seem significant but they will be worth it once you’re inside your own home.

Michelle Manter can be reached at (860)716-2227. Prudential CT Realty is an independently owned and operated broker member of BRER Affiliates Inc. Prudential, the Prudential logo and the Rock symbol are registered service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. Used under license with no other affiliation with Prudential. Equal Housing Opportunity.

Listing information is deemed reliable, but not guaranteed. This IDX solution is (c) Diverse Solutions 2013.
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