Greenwich, CT

SUSTAINABLE BUILDING PRODUCTS: FROM THE FARM TO YOUR JOBSITE

Our Compressed Agricultural Fiber Panel (CAFP) otherwise known as a Structurally Insulated Panel System (SIPS), is US GREEN BUILDING COUNCIL and Department of Energy and Department of Defense approved, while being one of THE sustainable building material of the future.

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Not only is this GREEN, 13 LEEDS CREDITS product a marvelous tool for the design of the structures for many of our projects, it simplifies the structural design and allows the reduction of the number of trades and suppliers on the job.

The plenum space is freed for duct work and electrical/data distribution, which cuts time from the project schedule.

Turtle Clan is a one stop, turnkey firm that delivers a superior structural wall system to your site that is sustainable, insulated, air tight, noise resistant, mold-insect-fire-blast-hurricaine-earthquake resistant and made from agricultural by-products.

Plus, it goes up 8x faster than conventional methods which saves our clients money

In high wind load zones and seismic areas the product allows less detailing and calculations to meet the structural demands.

Because of the fire rating of the panels, less material and concerns of fire proofing is eliminated. In the interior fit-out, we are able to wall mount furniture and equipment without the necessity of blocking or plywood.

For our clients, whether a single occupant or a multi-tenant building, the long term energy savings and the sustainable material is a huge benefit in tax credit, LEED certification and the speed to market.

Agricultural fiber panels manufactured from compressed wheat straw that replaces structural steel and reduces overall project cost.

These sustainable panels have several key benefits:

• Installs 8x faster than conventional methods saving clients thousands
• On site within 4 weeks of plans being approved.
• Negative carbon footprint
• Tested safe up to F5 wind conditions - Miami Dade County approved
• Fire rating of 2.5 hours for dramatic insurance savings
• Delivers up to 13 LEEDS points - halfway to USGBC LEEDS accredited status
• Thermal envelope that is 7x tighter than traditional construction
• Mold and Insect Resistant
• F 5 Category Hurricaine and Tornado Proof
• Classifies as Department of Defense Approved Blast Proof Bomb Shelter
• -Earthquake Proof
• No jobsite waste.
• Save thousands on energy bills and insurance costs on the jobs site as well as home front
• Currently the choice for Wells Fargo, Wachovia, Ft. Hood, US Postal Service, Cutting Edge Architects, Builders and many more discerning forward thinking clients wanting to become better stewards of the planet.

Ideal for:
Hotels, Resorts, Military Installations, Banks, Restaurants, Nursing Homes, Hospitals, Schools, Commercial Retail Spaces, High End Housing, Low Income Housing.

From the farmland to your jobsite, this product feeds and houses people and is the sustainable building material of the future.

Why use anything else?

TURTLE CLAN ENVIRONMENT TESTING INC. is comprised of a team of EXPERTS with over 100 years intellectual capital to bring to our clients.

We are A CERTIFIED 3RD PARTY MOLD TESTING COMPANY, MOLD TESTERS, MOLD TESTING WITH OFFICES IN CONNECTICUT and NEW YORK serving the Greater Tri State Area and all of Fairfield County Connecticut, Litchfield County Connecticut, New Haven County Connecticut, Middlesex County Connecticut, Hartford County Connecticut, Westchester County New York , Duchess County New York, Putnam County New York, Orange County New York

For MOLD TESTERS, MOLD TESTING, MOLD TESTING COMPANIES, AIR FILTRATION, AIR PURIFICATION, SUSTAINABLE BUILDING PRODUCTS near Greenwich CT ,Stamford CT, New Caanan CT, Darien CT, Norwalk CT, Wilton CT, Weston CT, Southport CT, Westport CT, Fairfield CT, Easton CT, Stratford CT, Redding CT, Ridgefield CT, Bridgeport CT, Newtown CT, Trumbull CT, Shelton CT, Danbury CT, Milford,CT, Fairfield CT, Southport CT, Westport CT, Greenwich CT, Monroe CT, Lakeville CT, Sharon CT, Washington CT, Brookfield CT, Roxbury CT, Warren CT, Sherman CT, Kent CT, Salsbury CT, Torrington CT, Goshen CT, Litchfield CT, Thomaston CT, Watertown CT, Winsted CT, New Milford CT, Bethal CT, Cos Cob CT, Ridgefield CT, Oxford CT, Seymore CT, Naugatuck CT, Derby CT, Ansonia CT, Shelton CT, Orange CT, Devon CT, New Haven CT, North Haven CT, East Haven CT, Branford CT, CALL 203-380-8009 or 860-364-4694 TODAY

For MOLD TESTERS, MOLD TESTING, MOLD TESTING COMPANIES, AIR PURIFICATION, AIR FILTRATION, SUSTAINABLE BUILDING PRODUCTS near Scarsdale NY, Eastchester NY, Armonk NY, Bedford NY, Rye NY, Ryebrook NY, Mamaroneck NY, Larchmont NY, Dobbs Ferry NY, Hastings NY, Irvington NY, Terrytown NY, Greenburg NY, Whiteplains NY, New Rochelle NY, Portchester NY, Mount Vernon NY, Yonkers NY, Tuckahoe NY , Bronxville NY, Ossening NY, Sleepy Holow NY, Poundridge NY, Chappaqua NY, Katonah NY, Mount Kisco NY, Purchas NY, Pawling NY, Patterson NY, Millbrook NY, Millerton NY, Amenia NY, Dover Plains NY, Poughkeepskie NY, Fishkill NY, Putnam NY, Croton on the Hudson NY, Peekskill NY, Cold Springs NY, Mahopac NY, New City NY, Pearl River NY, Nyack NY, - Ardsley, NY - Ardsley on Hudson, NY - Armonk, NY - Baldwin Place, NY - Bedford, NY - Bedford Hills, NY - Briarcliff Manor, NY - Bronxville, NY - Buchanan, NY - Chappaqua, NY - Cortlandt Manor, NY - Crompond, NY - Cross River, NY - Croton Falls, NY - Croton on Hudson, NY - Dobbs Ferry, NY - Eastchester, NY - Elmsford, NY - Goldens Bridge, NY - Granite Springs, NY - Harrison, NY - Hartsdale, NY - Hastings on Hudson, NY - Hawthorne, NY - Irvington, NY - Jefferson Valley, NY - Katonah, NY - Larchmont, NY - Lincolndale, NY - Mamaroneck, NY - Maryknoll, NY - Millwood, NY - Mohegan Lake, NY - Montrose, NY - Mount Kisco, NY - Mount Vernon, NY - New Rochelle, NY - North Salem, NY - Ossining, NY - Peekskill, NY - Pelham, NY - Pleasantville, NY, Port Chester, NY - Pound Ridge, NY - Purchase, NY - Purdys, NY - Rye, NY - Scarsdale, NY - Shenorock, NY - Shrub Oak, NY - Somers, NY - South Salem, NY - Tarrytown, NY - Thornwood, NY - Tuckahoe, NY - Valhalla, NY - Verplanck, NY - Waccabuc, NY - West Harrison, NY - White Plains, NY - Yonkers, NY - Yorktown Heights, NY
CALL TURTLE CLAN ENVIRONMENT TESTING, INC. TODAY! 914-361-9703

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CT Stated Income Mortgage: Despite the contraction of the secondary markets, there are still CT Stated Income Mortgage (w/ full asset verification) programs available (currently in NJ, CT, and certain counties of NY only) to those who qualify for this type of financing in the vein of which it was originally intended: allowing for self-employed consumers who cannot prove their actual true income via their tax returns. We offer this program on a brokered basis and the terms, rates, and guidelines are subject to change without notice, just like everything else in this world we live in today. Mortgage Brokers: This program is offered by my company direct to consumers only and not by my company on a wholesale level.

This CT Stated Income Mortgage program is available in all Counties of Connecticut, and for loan amounts listed regardless of the Fannie Mae loan limits in that particular County.

Basic rates for this CT Stated Income Mortgage program are competitive: 4.75%-6.375% range for short term ARM financing (3/1, 5/1, 7/1, and 10/1) to 15, 20 and 30 Year Fixed rates, typically with 0-1 discount pt. Rates can vary by loan amount, loan-to-value, and State, and are subject to change without notice. For more information about this product and other available programs, please contact Michael Byrne directly at 908 531 6170.

The basic parameters of the CT Stated Income Mortgage loan are as follows: 70% Loan to Value (30% down) for purchases and refinances up to $750,000 for recommended credit scores of 700 and above. This program is not so much credit score driven, as the whole credit picture is taken into consideration. A high credit score lacking the necessary credit tradelines and credit depth may not be seen as favorable. 55% Loan to Value (45% down) with loan amounts up to 1,000,000.

This program, once again, is designed for the borrower who truly cannot document their true earnings, thus the name CT Stated Income Mortgage. Assets are documented and are expected to be consistent with the income stated. By self-employed, a consumer is expected to show a corporate type structure, rather than simply some Schedule C income on a tax return to count as self-employed. Verification of self-employment is required and may vary in method from loan to loan. This is not a traditional "liar's loan". Expect the appraisal and appraisal review to be on the conservative side, but not unreasonable.

Greenwich CT ranked 3rd in country for expensive homes!

In an apple-to-apples comparison of average sales prices for 2,200-square-foot, four-bedroom, two-and-a-half bath homes, Greenwich ranks as the third-most expensive market in the country, with an average price of $1,519,250, according to a recent survey by Coldwell Banker.

The list of the top-10 most expensive markets was dominated by California communities, which made up eight of the top 10 most expensive places to live nationwide. Boston, at seventh place with an average price of $1,337,578, was the only other non-California community to crack the top 10.

The overall national average price for the target home nationwide was $363,401. La Jolla, Calif., was the most expensive market in the country, at $2,125,000, while Grayling, Mich., dubbed "the canoe capital of the world," was the least expensive at $112,675.

Coldwell Banker conducted the recent Home Price Comparison Index study by compiling survey data from Coldwell Banker offices throughout the United States, Puerto Rico and Canada. Companies within the Coldwell Banker system submitted data based on the average sales price of comparable listings through July. The criteria for the HPCI subject home is: single-family dwelling, 2,200 square feet (approximately) four bedrooms, two and one-half baths, family room (or equivalent) and two-car garage in neighborhoods/ZIP codes within a market that is typical for corporate middle-management transferees, according to a statement.

:)
Matt

Toll Free: 888-NCFIXER (623-4937)
Toll Free Fax: 888-FAX-4020 (329-4020)
Local: 860-282-6181
330 Roberts Street 4th Floor
East Hartford, CT 06108

credit repair company

Connecticut Jumbo Mortgage Rates: Our true jumbo mortgage rates continue to trend downward this week in all counties of Connecticut. Despite the 2009 conforming loan limit remaining at $440,000 to $708,500(Fairfield County) in Connecticut, we still are able to offer affordable financing to qualified borrowers for purchases as well as refinances for jumbo loans over the current conforming loan limit in your particular county. My company, First Interstate Financial Corp., currently has established relationships with several investors that allow us to offer excellent Connecticut Jumbo Mortgage Rates.

Currently we have the following Connecticut Jumbo Mortgage Rates with 0 points as of business close on 9/21/2009*:

30 Year Fixed 5.625% 5.68% APR

10/1 ARM 5.125% 5.07% APR

7/1 ARM 4.5% 4.55% APR

5/1 ARM 4.125% 4.18% APR

*Please call for specific quotes*, due to market fluctuation and guidelines, our Connecticut Jumbo Mortgage Rates can vary depending on your particular scenario. The main take-away is that there are jumbo loan programs available to fit your needs, even in our current lending environment.

Our Connecticut Jumbo Mortgage Rates can vary from the low 4% range to mid 5% range, depending on whether you are looking for a higher loan-to-value or a fixed rate or adjustable rate loan.

Typical minimum FICO scores range from 680 to 720, depending on the loan program and scenario. FICO scores are considered to be more a general indicator for this program, and the overall credit picture is reviewed more so than simply a number. Loans are for Full Doc loans only, and are subject to verification of post closing assets and full underwriting by our investor(s).

Currently with loan to values of up to 80% on purchase money/rate term/cash-out refinances to $800,000, up to 75% on purchase money/rate term/cash-out refinances up to $1,500,000, and up to 70% Financing to $2,000,000. There are also great programs for second home financing. Loan-to-values depend on the specific program you are qualified for and can vary.

We also offer competitive pricing on FHA, VA and Conventional Loans in CT, as well USDA loans in qualified RD areas. Stated Income programs are also slowly making a comeback as well.

* Not a commitment to lend. Other programs available. Jumbo Loans are a brokered product. Equal Housing Lender. Add-ons for loans over 1 Million or more. Loan rates based on a 750k loan, at a 60% Loan to Value. Licensed in CA,CO,CT,DE,FL,GA,MA,MI,MO,MT, NJ, NY,PA,TX,SC,VA

super jumbo mortgage rates New jersey Jumbo Loans Mercer County NJ Jumbo Mtgs  NJ Jumbo Mtgs Stated Income Mortgages 

How to fix your credit in Fairfield CT: Part 4 of a 4 part series

In part 1 you obtained your credit report. In part 2 and three you disputed your derogatory items and validated your collection accounts.

Now for part 4. I tell this top people all the time. Only 50% of credit repair is actually trying to get inaccurate negative information removed from someones credit report (yes only 50%). One very important thing to do is to make sure there is enough good credit on someones report. Most often (read 90-95%) people who have bad credit do not have any current good credit or at best very little. In the scoring model's ideal person, that person would have 1 mortgage, 1 installment loan, and 3-5 credit cards. Most people with poor credit don't have 3-5 credit cards.

I have heard this time and time again from people: "I can't get a credit card, I get turned down." What I recommend is a combination of store credit cards and secured credit cards. There are some store credit cards out there that do not turn people down (yes I mean they take everyone!). A secured credit card is a credit card that requires a security deposit. Let's pick on the Orchard Bank MasterCard for our example. For this card you need to send in $200 (minimum). They will take your money and put it in a savings account for you. You can not cash in the savings account as long as you have the credit card (hence the name "secured" credit card). At some point in the future (read 24-48 months) you will decide to cancel the credit card because you no longer need the account and don't want to pay the $35 annual fee every year OR they will offer to make the card an unsecured credit card. Orchard Bank will send you a credit card in the amount that you deposited into the savings account. It is important to note if you miss a payment, Orchard bank will not take the payment from your savings account. If they did that, the account would be acting like a debt card and debt cards do not report to the credit bureaus because they are not credit - you are spending your own money. The credit card company will only take the money you have in your savings account if the credit card goes into default - usually after 90 to 150 days.

I have a list of secured credit cards and store cards that I recommend to people but I am not going to post them here, simply because the information can and does change from month to month as to who is doing them and who has the best deals. Simply shoot me an email and ask and I will send my current list to you!

Another excellent way to improve your credit is to attack your balance to limit ratio. 30% of your credit score (read about 150 points) is comprised of your balance to limit ratio. A balance to limit ratio is the ratio of your current balance to your credit limit. Example: a $1,000 limit credit card with a $300 balance is at 30%, the same card with a balance of $700 is at 70%. If you do not want to get hit (in the points - lol) then keep your cards at no more than 30% usage. As you get closer and closer to your limit, more and more points will be subtracted from your score. The current FICO models put emphasis on each card but the newest FICO model (FICO 08) shifts the emphasis to an aggregate of all cards and less emphasis on each additional card. At the time of this post (Aug 2009), very few places have adopted the new software so most emphasis is given on a per card basis. However, as time passes and more places adopt the new software you will see a change to the aggregate method.

If I can ever be of assistance to you, your family, your clients, or your friends for credit reapir; then please do not hesitate to call upon me!

:)
Matt

Toll Free: 888-NCFIXER (623-4937)
Toll Free Fax: 888-FAX-4020 (329-4020)
Local: 860-282-6181
330 Roberts Street 4th Floor
East Hartford, CT 06108

credit repair service