West Springfield, MA

It certainly has been one of the busiest years that I can remember in the mortgage busines. There are so many people not only taking advantage of getting lower monthly payments but many that are lowering the amount of years for their mortgage!

I have seen so many cases that customers are paying less and have lower term than they have now! It is a wonderful way to help people.

For some people we are able to help them even when they have lower credit (FICO) scores with FHA refinance. The minimum FICO score is 600 for FHA.

I am doing at least 2-4 new construction loans a week. We handle all over New England, NY and FL and I love the construction process. It is very exciting to help so many people wade through the financial and building process to get to the end result! A new home that is their dream home.

On a personal note, I am very thankful for all the hard work of my husband; who has volunteered to make up loan packages for the files that I fed-ex out to customers! After 30 years of marriage, I am still so loved by this man!

I hope that all is well in your life. Take the time to take care of yourself.

Feel your breath as it comes in and goes out of your body. Listen quietly to your heart beating. Slow down and be thankful for all that life has blessed you with and remember to believe the best of others.

Take care,

Marianne

Here is some very interesting research about this quadrant in Western Massachusetts. This shows the trend in sales over the last decade. The best part about this report is that it demonstrates that this area has been sheltered from the huge downward adjustment in home values that other areas have experienced.

Yes, the market has changed dramatically since the peak in 2005, but the biggest difference is how many houses are being sold, not the actual values. Great news for people in W. MA who have some equity in their homes!

Compliments of

Maureen Staccato/Hector Concepcion

The Dynamic Home Team

413-627-7699/413-885-9195

If you are considering selling your home, please call for an appointment and for your free market analysis. In today's market you need a team that has aggressive marketing to obtain top dollar for your home!