So far the weather this first weekend of November has been picture perfect to get out and snap a few photos of the colors as the fall season nears its end in Branford Connecticut. Living in New England and near the Branford Connecticut waterfront really gives you the opportunity to capture both the transormation of the foliage and scenery along the water.
Here are some additional facts about the month of November you may not have known:
November is the eleventh month year and was the ninth month of the year in the early Roman calendar. November kept its name which was taken from "novem" the Latin word for nine when the Romans added January and February to the Roman calendar.
The birthstone for November is the yellow topaz and the flower for the month of November is the chrysanthemum.
I came across a poem was written by Thomas Hood that is told in schools in the United Kingdom that captures the pensive reflections associated with the month of November.
No!
No sun--no moon!
No morn--no noon--
No dawn--no dusk--no proper time of day--
No sky--no earthly view--
No distance looking blue--
No road--no street--no "t' other side the way"--
No end to any Row--
No indications where the Crescents go--
No top to any steeple--
No recognitions of familiar people--
No courtesies for showing 'em--
No knowing 'em!
To traveling at all--no locomotion,
No inkling of the way--no notion--
No go--by land or ocean--
No mail--no post--
No news from any foreign coast--
No park--no ring--no afternoon gentility--
No company--no nobility--
No warmth, no cheerfulness, no healthful ease,
No comfortable feel in any member--
No shade, no shine, no butterflies, no bees.
No fruits, no flowers, no leaves, no birds.
November!
by Thomas Hood
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Contact Donna Bigda, ABR, SRES, e-PRO, Realtor®, RE/MAX Alliance Licensed Realtor® in the State of Connecticut at 203-488-1641, ext. 214 to list your property for sale or to purchase a property in Branford, Guilford, Madison, East Haven, New Haven and the rest of shoreline area in New Haven County Connecticut.
If you're thinking about buying a waterfront home in Branford CT there are plenty of great buys in today's market and now is one of the best times to buy while interest rates remain low. For more information on Branford CT waterfront real estate homes or condos, see Branford CT waterfront real estate or sign up today to get access the hottest new listings here Branford CT waterfront homes and condos.
To keep up to date on the current state of the Branford CT Real Estate Market & other information about Branford CT, subscribe to my blog via email here or visit online at www.connecticutshorelineblog.com.
If email is your communication preference, email me at donna@donnabigda.com.
Disclaimer: All information provided by this author is strictly an opinion, is not guaranteed, may be based on information collected from several sources, which may or may not be deemed reliable at the time of researching this article and may be time sensitive.
Copyright © 2008 by Donna Bigda, All Rights Reserved ...*Branford Connecticut Waterfront - A Beautiful November Day!*
Branford Connecticut Real Estate Market Report Q3 2008
Understanding the general direction of the current Branford Connecticut real estate market is of vital importance to both sellers and buyers. In analyzing these trends, property absorption rates provide a good indication of whether the current real estate cycle is a buyer's market, a seller's market or a balanced market. There are currently 135 Branford Connecticut homes for sale (single family).Below is the most up-to-date absorption rate analysis:
: Featured below are Branford Connecticut Real Estate Sales for third quarter. Statistics are broken down into sales price ranges for a better view of the current market with the greatest number of sales between the price range of $250,000 to $500,000.
Overall, the Branford real estate market is relatively stable in light of the national market trends. If you are thinking of buying a home in Branford Connecticut now is a great time to buy while interest rates are still low and there's a good supply of homes to choose from.If you're thinking about buying a home in Branford CT there are plenty of great buys in today's market and now is one of the best times to buy while interest rates remain low. For more information on Branford CT real estate homes or condos, see Branford CT real estate or sign up today to get access the hottest new listings here Branford CT homes and condos.
To keep up to date on the current state of the Branford CT Real Estate Market & other information about Branford CT, subscribe to my blog via email here or visit online at www.connecticutshorelineblog.com.
If email is your communication preference, email me at donna@donnabigda.com.
Disclaimer: All information provided by this author is strictly an opinion, is not guaranteed, may be based on information collected from several sources, which may or may not be deemed reliable at the time of researching this article and may be time sensitive.Copyright © 2008 by Donna Bigda, All Rights Reserved ...*Branford Connecticut Real Estate Market Report Q3 2008*
The Short Sales in Branford Connecticut and New Haven County is a series of articles for buyers and sellers to gain a better understanding of what a short sale is and how to move forward with closing on a short sale. In order to be thoroughly familiar where we are in the series, please read Part 1 and Part 2.
Short Sales In Branford Connecticut and New Haven County - An Alternative to Foreclosure - Part 1
Short Sales in Branford Connecticut and New Haven County - Do You Qualify? - Part 2
You now know what a short sale is and you have passed the qualifying test outlined in the previous posts. Now here is what you need to do to put your short sale package together for your lender and your agent.
Your short sale package should be put together prior to listing your property with your agent. This will help your agent to process the short sale quickly and efficiently. This is an important step in the process because as soon as an offer is made on your property your short sale package must go along with that offer.
Don’t wait until you have an offer before you collect all the documents you need in your short sale package and risk losing a possible buyer by delaying the process.There is no getting around this process so take the time to prepare in advance.
Your first step in putting your short sale package together is to call your lender to tell them you are putting your house up for sale and to confirm who the lender is. Make sure the note holder or servicer is in fact the lender you are calling. Don’t just take a chance by sending out your short sale package to your lender and then discover that the note was sold to another lender. Save yourself some valuable time by confirming your lender.
The second step requires that you write an authorization letter for your agent giving him/her permission to speak on your behalf to discuss with you lender the status of your loan, details and short sale offers. In addition this letter must include your name, property address and loan number along with your agent’s name and company. The letter must be dated since many lenders limit the time in which the authorization letter is valid and once that time has expired you will be required to write another authorization letter.
Listed below are the documents that may be required to present a complete financial package to your lender. It is better to be prepared with all of the documentation and send more than what is required than to submit and incomplete short sale package. Your agent will also be checking the package to make sure all the documents are in order. With the amount of files lenders receive they may not even look at incomplete packages.
Your authorization letter as defined above.
A handwritten hardship letter describing your hardship. This letter must be as persuasive as possible as it can make or break the sale and should explain all thecompelling reasons why it is necessary to sell your property as a short sale.
A completed and signed personal financial statement that your Realtor® has received from the lender. It is not uncommon for each lender to provide their own financial statement. It is not a difficult form to fill out and usually includes tow columns; an asset column to write in all of your income and a debt column for all of your expenses.
Tax returns for the previous two years for all the signers on the mortgage.
Employment pay stubs for the past twoh months for all the signers on the mortgage.
A signed copy of your listing agreement with your Realtor®; this will be provided by your agent.
After you put all of these documents together give them to your Realtor® who will then work on your short sale package to make all the necessary notations. Every document must have your loan number written on it.
Once you get an offer on your property you and your agent will prepare the rest of the package and that includes:
A fully executed purchase and sale agreement and all supporting documentation.
Written proof of the buyer's pre-approval to purchase the property or evidence of cash available (a current bank statement).
An estimated HUD-1 settlement statement certified by an escrow office listing all the fees as completely and accurately as possible. The lender will reference this closing statement in their approval of the expenses prior to accepting the buyer’s offer.
Along with your short sales package your agent should put together a sales package. This will include your current market value paperwork with supporting sales data showing the offer is reasonable.
Your agent can support this documentation with a short narrative about the market and market trends taking place in the immediate area and include materials such as newspaper articles and recent economic data. Documentation is better than conversation, This is one example where you can take all the bad news and work it in your favor.
The next article of our Short Sales in Branford Connecticut and New Haven County Series will discuss what happens after the offer and short sales package is sent to the lender. If you are considering buying a short sale property knowing what takes place after the lender receives
your offer will be beneficial to you.
Disclaimer: This post is not intended to be or to provide legal advice. We recommend that you speak to your attorney and your tax accountant regarding specifics and to find out if this is the best option for you in your situation.
The information provided herein is supplied by several sources and is subject to change without notice. Branford Homes Blog does not guarantee or is any way responsible for its accuracy, and provides said information without warranties of any kind, either express or implied. Entries on Branford Homes Blog represent the opinions and ideas of the author(s). Branford Homes Blog does not express the views of RE/MAX Alliance, or those of the broker.
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Contact Donna Bigda, ABR, SRES, e-PRO, Realtor®, RE/MAX Alliance Licensed Realtor® in the State of Connecticut at 203-488-1641, ext. 214 to list your property for sale or to purchase a property in Branford, Guilford, Madison, East Haven, New Haven and the rest of shoreline area in New Haven County Connecticut.
There are great buys in today's market and now is a great time to buy while interest rates are still low. For more information on Branford CT Real Estate and Homes For Sale contact Donna or call me directly at 203-488-1641, ext. 214. Beat other buyers to the home of your dreams. Sign up with no obligation at my Shoreline Home Finder Site.
Copyright © 2008 by Donna Bigda, All Rights Reserved ...*Short Sales in Branford Connecticut and New Haven County – What You Need To Know – Part 3*
Fort Nathan Hale named for one of Connecticut's most famous patriots and native son Nathan Hale is located on Woodward Avenue on the east shore of the New Haven Harbor in the Morris Cove New Haven CT neighborhood.
This historic site is a 20 acre city park deeded to the State of Connecticut by an act of Congress in 1921 and was then turned over to the city of New Haven to maintain.
Within Fort Nathan Hale is Fort Nathan Hale Park and Black Rock Fort orginally built during the Revolutionary War period where visitors can tour a paritally restored Civil War facility and a Revolutionary Fort that was reconstructed in 1976 to commemorate the Bicentennial of our nation.
Fort Nathan was declared a landmark and historic site by the New Haven Preservation Trust and has the distinction to be the first so recognized in New Haven and was granted national recognition when the Department of the Interior placed Fort Nathan Hale on the National Register of Historic Places in 1970.
Fort Nathan Hale Park has a pavilion with enough picnic tables for a large cookout or small afternoon picnic. In addition the park area includes a sandy beach, family playground, bocce court and walking trails. There is also an access pier for fishing and or to just take in the wildlife and spectacular views of the harbor.
Open to the public from Memorial Day to Labor Day weekend free of charge over 7000 visitors from countries around the world tour this historic site each year. .For more information to schedule a walking tour of Fort Nathan Hale or to make a request to use the pavilion for special activities contact the East Short Park Rangers.
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Contact Donna Bigda, ABR, SRES, e-PRO, Realtor®, RE/MAX Alliance Licensed Realtor® in the State of Connecticut at 203-488-1641, ext. 214 to list your property for sale or to purchase a property in Branford, Guilford, Madison, East Haven, New Haven and the rest of shoreline area in New Haven County Connecticut.
If you're curious about what your Morris Cove New Haven CT home may be worth, here's an easy way to find out what homes like yours are selling for in today's market.
Get a Free Monthly Report On Morris Cove House Prices with up-to-the-minute statistics based on all the homes for sale and sold in Morris Cove over the last six months in all price ranges. To get your Free Monthly Report on just go to Morris Cove House Prices.
There are great deals in today's market and now is a great time to buy while interest rates are still low. For more information on Morris Cove Real Estate and homes, contact Donna or call me directly at 203-488-1641, ext. 214. Beat other buyers to the home of your dreams. Sign up with no obligation at my Shoreline Home Finder Site.
For more information on all the homes for sale in the Morris Cove New Haven CT area click here and then click on Search The MLS on the left menu sidebar or call me directly at 203-488-1641, ext. 214.
Copyright © 2008 by Donna Bigda, All Rights Reserved ...*Morris Cove New Haven CT - Fort Nathan Hale Park*
There are advantages to working in an office so close the Branford CT waterfront. It was such a gorgeous sun shiny day today I decided rather than having lunch in the office I'd go down to a small local deli, grab a sandwich and take a drive down to Branford Point to enjoy my lunch.
During the summer months I would very often enjoy lunch at Branford Point so I could take in the views of the marina and Branford Harbor. Today it was exceptionally beautiful with the colors of autumn falling upon us and the relaxing calm of the water. It literally took my mind off the stress of the day and filled me with such a feeling of peace and serenity I took off the rest of the afternoon!
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Contact Donna Bigda, ABR, SRES, e-PRO, Realtor®, RE/MAX Alliance Licensed Realtor® in the State of Connecticut at 203-488-1641, ext. 214 to list your property for sale or to purchase a property in Branford, Guilford, Madison, East Haven, New Haven and the rest of shoreline area in New Haven County Connecticut.
If you're thinking about buying a waterfront home in Branford CT there are plenty of great buys in today's market and now is one of the best times to buy while interest rates remain low. For more information on Branford CT waterfront real estate homes or condos, see Branford CT waterfront real estate or sign up today to get access the hottest new listings here Branford CT waterfront homes and condos.
Disclaimer: All information provided by this author is strictly an opinion, is not guaranteed, may be based on information collected from several sources, which may or may not be deemed reliable at the time of researching this article and may be time sensitive.
Copyright © 2008 by Donna Bigda, All Rights Reserved ...*Branford CT Waterfront - A Picture Perfect Day At Branford Point*
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