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Laura Testa

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The Mortgage Financing Process

05-21-08
Laura Testa

8 Steps of Mortgage Financing

  • Complete application & provide the needed documents
  • An appraisal of the property is ordered
  • Locking in an interest rate
  • Loan is approved subject to an executed Sales Contract & successful Appraisal
  • Submit any conditions to the bank
  • Receive contract & title info from attorney
  • Loan is clear to close
  • Attorney schedules the loan closing

Delays can occur, effecting the timeline & these delays could be caused by:

a. Taking additional time for clients to retrieve all the needed documents

b. Appraisal delayed due to scheduling difficulties of appraiser or realtor

c. Clients taking time to decide which mortgage product to utilize

d. Additional time needed to retrieve the conditions required by the bank

e. Contract of Sale not signed by both parties yet

Mortgage Calculator

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Why is the APR different from the rate I locked in?

05-21-08
Laura Testa

The APR reflects the cost of your mortgage loan as a yearly rate. This rate may be higher than the rate stated in your mortgage or note because the APR includes, in addition to interest, loan discount or points, and other credit costs. The rate of interest you are paying is the rate you locked in at.

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What is Title Insurance?

05-21-08
Laura Testa

Title Insurance policies typically insure a homebuyeragainst any title search errors or mistakes, and against loss due to disputes over property ownership. Title Insurance can additionally offer protection to the lender under similar circumstances. The cost of title insurance is usually a set value per thousand of dollars of the total loan amount.

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Riverbend Condominiums - SOLD for $179,000: 2 Bedroom Unit

05-09-08
Laura Testa


2BR WITH SPACIOUS OPEN FLOOR PLAN. RIVER-VIEWS FROM EVERY WINDOW
CONTACT NAME
Pete Testa

CONTACT EMAIL
Click here to email >>


CONTACT PHONE
(203) 442-3873

CONTACT AGENCY
Nationwide Houses



QUESTIONS?
Click here to email >>




DATE ADDED
5/21/2008

Owner Login
Click here >>

2BR with Spacious Open Floor Plan. River-Views from Every Window
Location:
 Danbury, Western Connecticut, Connecticut
Subdivision:
 Riverbend
Type:
 Condo
Price:
 $179,000.00
Bedrooms:
 2
Bathrooms:
 1 Full / 0 Half
Sq. Footage:
 1119
Year Built:
 1984
Taxes:
 $1,603.00
HOA/Condo Fees:
 $197.00
Gallery:
View Additional Pictures >>
Virtual Tour:
View Virtual Tour >>
Website:
Visit owner's website >>


Property Description:
Tastefully decorated 2 bedroom ranch. Open floor plan. Birds-eye view of the river from every window. Beautiful New Hardwood Floors. New Tile Floor in Updated Kitchen with New Maple Cabinetry & New Countertops. D/W. Walk-in Pantry. New Lighting Fixtures. Crown Moldings. Washer/Dryer. Reserved Parking & Secured Entry. Close to shopping, major highways, & public transportation. Common Charges: $197 Taxes: $1,603

This property is listed for sale by Laura Testa with Nationwide Houses. For more information on this property (or to request a showing) please contact Pete Testa at (203) 442-3873 or Email me at Peter@NationwideHouses.com

See more pictures of this home & others when you visit my website at http://www.petetesta.com/

‘Live’ 1-Click Access TO THE CT MLS at http://www.petetesta.com/.

Seller & Buyer inquiries welcomed.

MLS# 98374540




Advanced Listing Service Free Listings Provided by AdvancedListingService.com



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OPEN HOUSE: Sunday, May 4th from 12:00-2:00 - 84 Hayestown Rd., Danbury, CT

05-02-08
Laura Testa
Peter Testa | Nationwide Houses | (203) 442-3873
84 Hayestown Rd., Danbury, CT
Wishes Come True, Everything’s New!
3 Bdrm Single Family House
offered at $359,000
Year Built 1953
Sq Footage 1,400
Bedrooms 3
Bathrooms 2 full, 0 partial
Floors 1
Parking 1 Car garage
Lot Size 0.46 acres
HOA/Maint $0 per month

DESCRIPTION
This Completely Remodeled 3 Bedroom Home is just down the road from Candlewood Lake & Park. Attention to Detail in Every Corner! Kitchen features New Custom Cabinetry. Tile Floors with inlay-design. Custom Tumbled Marble Backsplash. Built-in Eat-in Area. Window overlooks large level backyard. Gorgeous, Formal Dining Room detailed with Picture-frame Wainscoting, Chair & Ceiling Moldings, Enormous Bay Window & Hardwood floors with inlay-design. Living Room features Stone Fireplace, Built-ins & Hardwood Floors. Master Bedroom Suite has Floor to Ceiling Closet Space & Private, Full Bath. Wainscoting & Ceramic Tile Shower. 2nd Full Bath is also Completely Remodeled! New Windows. New Vinyl Siding. New Roof. All New Interior & Exterior Lighting Fixtures including New Chandelier & Recessed Lights. French Doors lead out to New Unilock-Patio & Manicured Lawn. Central Air. Washer/Dryer in Basement. Invisible Fence. 1-Car Garage. Shed. Taxes: $3,155

This property is listed for sale by Laura Testa with Nationwide Houses. For more information on this property (or to request a showing) please contact Pete Testa at (203) 442-3873.

Visit my website to see more pictures of this home & others! www.petetesta.com

‘Live’ 1-Click Access TO THE CT MLS - www.petetesta.com

Seller & Buyer inquiries welcomed.

MLS# 98369673

see additional photos below
PROPERTY FEATURES
Central A/C Fireplace High/Vaulted ceiling
Hardwood floor Tile floor Living room
Dining room Dishwasher Refrigerator
Stove/Oven Microwave Attic
Basement Washer Dryer
Balcony, Deck, or Patio Yard

COMMUNITY FEATURES
Lake


ADDITIONAL PHOTOS
Seller contact info:
Peter Testa
Century 21 Lombardi
(203) 442-3873
For sale by agent/broker

powered by postlets Equal Opportunity Housing
Posted: Mar 11, 2008, 8:31pm PDT
DIRECTIONS: http://activerain.com/blogsview/489185/Directions-to-Open-House
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