Nima Rezvan First Time Home Buyer Expert CT FHA Loans - FHA 203k - CT Mortgage

Dear Reader,

It is Saturday March 24, 2007 and yesterday afternoon I had the pleasure to meet with a real estate professional that I met on Active Rain http://activerain.com/ Early last week I noticed Jane Walters had become a new member on Active Rain so I contacted her and welcomed her to the real estate networking website. I did not know much about Jane Walters so I visited her website http://www.jwalters.prudentialct.com/ and I read more about her. I noticed that she is a proven real estate professional with over a decade of experience and also a top producer with

Prudential CT Realty http://www.prudentialct.com/ She replied to my email and we wrote back and forth to one another and set up a time to meet Friday afternoon in her Prudential CT Realty real estate office in Norwalk, Connecticut. I visited her office which is off of East Avenue which is one of Norwalk, CT's busiest streets. We discussed current real estate market conditions and how we both conducted business. She mentioned that she already works with other CT mortgage professionals and even the one that they have in-house but that she was very pleased to meet me and that she would definitely recommend me to her future home buyers. I gave her some friendly suggestions about using the Internet as a tool to pick up more listings and more buyers. She also mentioned some ways to get involved with the local Norwalk, Connecticut community. I learned that she is a life-long Norwalk, Connecticut resident and that she is a member of the Oak Hills Park Authority responsible for the operations of the golf course/tennis courts. She is also a member of several golf associations and she participated in many golf tournaments in Norwalk, CT. She mentioned how her and I could maybe co-sponsor at an upcoming golf tournament at one of her golf clubs here in Norwalk. We also discussed other methods we could help one another out in the near future. I recently moved from our Southport, Connecticut Countrywide Home Loans office to our Norwalk, Connecticut branch so meeting with Jane Walters today was extremely essential to me and my CT mortgage business. Jane Walters will be a great friend in the real estate business and a great business partner for many years to come. I look forward to networking with her and learning as much as I can from a life-long Norwalk, CT resident.

Thank you Active Rain for being an Ice Breaker! Active Rain is not just Internet networking!

Your Neighbor - Your REALTOR

Jane Walters

Purdential CT Realty

69 East Avenue

Norwalk, Connecticut 06851

203.899.3236

Website: http://www.jwalters.prudentialct.com/

PROFESSIONAL ASSOCIATIONS

- National Association of Realtors
- Connecticut Association of Realtors
- Mid Fairfield County Board of Realtors
- County-Wide Multiple Listing Service
- Darien Multiple Listing Service

CERTIFICATIONS

- Fine Homes Certified
- Relocation Specialist
- New Homes and Land Specialist
- Accredited Buyers Representative (ABR) Designation

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I hope you enjoyed reading my real estate blog today and I hope you come back and read more in the near future.

You can add my Active Rain page to your Favorites: http://activerain.com/mortgageman

For more mortgage/real estate information or if you have any questions/concerns, click here to ask me: Contact Nima now!

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First Time Home Buyer Guide: First Time Homebuyers Guide

Working nights and weekends for your convenience!

Your Norwalk Connecticut Mortgage Professional,

Nima Rezvan

203.913.6016

http://www.mynima.com/

Making homeownership dreams come true since 2002!

Dear Reader,

Good morning from my home office here in Fairfield, Connecticut. I just read a great blog by a mortgage professional and neighbor of mine Mr. George Souto which his blog can be reached by clicking on this link: FHA Stepping Up As Sub-Prime Steps Down. George made some strong points about how FHA is coming to the rescue even though the sub-prime companies are vanishing into thin air. I absolutely agree with him but his blog kept the negativity out. What do I mean by negativity? Yes, FHA has better rates, better guidelines that fit a first time home buyer but do all borrowers qualify all the time with FHA loans or other first time home buyer special State loans?

FHA Loan Guidelines for HUD Mortgage Loans

An FHA loan is a home mortgage that allows for a purchase or refinance with a low down payment. They're great for the first time home buyer.

Nima's thoughts:

The recent sub-prime meltdown was mainly targeting the sub-prime mortgages that were handing out 100% financing to borrowers who were applying for a reduced documentation loan. Well most know what 100% financing is, but just in case you don't. 100% financing is when you purchase a home with no money down but it does not include your closing costs. Closing costs were being paid by the sellers more than 50% of the time here in Fairfield County. So the last few years borrowers were purchasing homes with no doc loans, no down payment and no closing costs. The guidelines have changed and there is barely any reduced doc loans left for the sub-prime mortgage borrowers. There are still full doc 100% financing sub-prime mortgage loans but not reduced doc 100% financing mortgages for sub-prime borrowers. This is where George is right on the money. If a borrower can go full doc then they can definitely go FHA instead of having a higher interest rate and higher closing costs. Again, the 3% down payment which can be borrowed can be a problem in many cases as people do not have money saved up to put down or to even borrow. Also, in almost all of the cases I recently had here in Fairfield County, all of my borrowers never got pre-qualified on paper for the home that they were interested in or the price range that they were interested in. *Each state and county is different.

Quick Example of a borrower not qualifying:

A borrower found me on the web and wanted to purchase something in the $175,000 to $200,000 range in New Haven County. I looked at all of the angles and I even remember staying in the office until 7 or 8pm trying my best to get this young lady a mortgage that would work for her. The only way she would get qualified for any mortgage is if she did a CHFA or a FHA loan and she was only qualified for $75,000 to $80,000 which meant that she needed to wait a while before she could purchase something in her price range and a home that fit her desires. I actually referred her out to a real estate professional from Active Rain.

Nima's current story:

I received a call Saturday around lunch time from a young couple in Bridgeport, CT who are interested to purchase their first home. I spoke to them and took a full application over the phone. I started to work on their mortgage on a Saturday in my home office and I realized their middle fico or credit score is 598. They want 100% financing and they do not have any money to put down or to borrow. The current guidelines are that you need at least a 620 for 100% financing. I text messaged and left a voice mail for my sub-prime colleague and we spoke about it over the weekend. It is Tuesday now and he should be getting an answer back from our exception department. The great thing about my company is that when you don't have the required fico scores, then we can ask for an exception from the underwriters of the bank. We try our best to do all loans that come across our table. I will try to come back here and comment on if the young couple received their exception or not. I am sharing this story because it is relevant to our FHA discussion. They can't come up with the 3% down payment and they have poor credit and want 100% financing so we will give it 120% effort to see this young couple get what they are looking for.

In conclusion:

Bank guidelines are shrinking and it is what it is. As mortgage professionals we can only try our best to seek and find a mortgage program that fits our borrowers current financial/credit situation. A great mortgage professional like George Souto and I can only work with the tools that we have.

For more information or if you have any questions/concerns, click here to ask me: Contact Nima now!

For a complimentary FREE Mortgage Pre-Approval, click here: FREE Home Mortgage Pre-Approval

First Time Home Buyer Guide: First Time Homebuyers Guide

Working nights and weekends for your convenience!

Your Connecticut Mortgage Professional,

Nima Rezvan

203.913.6016

http://www.mynima.com/

*Note: I can originate loans in all 50 States! Making homeownership dreams come true since 2003!

Dear Reader,

An American Dream has become an American Nightmare for some homeowners. As the guidelines for sub-prime mortgages tightens more and more families will have to wait and be patient to purchase their home.

My Thoughts:

The changing of the guidelines is making it more difficult for borrowers to get approved by major financing institutions. I personally don't see any light at the end of the tunnel for the time being. As major financial gurus/financing analysts on CNBC http://www.cnbc.com/ said this past week, it is going to get uglier and no ease is in sight. It is very sad to see homeowners defaulting on their mortgage payments and possibly going into foreclosure and ruining their credit history. One asks, who's fault was it? Was it the lenders? Was it the realtors? Was it the borrowers themselves? What is the feds fault? I think every case is different and no finger pointing should be done. I was very discouraged to see a financial analyst on CNBC state that some mortgage professionals were at fault. I know it is hard for me to swallow that news clip because I am a mortgage professional myself but what an average person sees on tv is what they believe. This is considered the balming game or finger pointing and it should not just be pointed at the mortgage pros.

My Sub-Prime Success Story:

This passed Friday night I received a phone call from a homeowner from Manchester, Connecticut. He told me that his wife had done some research on the Internet and they found me and thought that I seemed like an honest and reliable mortgage professional that they can speak with and possibly work with. He called me and told me that he purchased a home in October of 2006 which is only a handful of months ago. I asked him all the basic questions and I was trying to understand his current lifestyle and financial/mortgage situation. I learned of the following that he was given two mortgages. The first mortgage was a 30 year fixed mortgage at 7.375% which is not that bad but I promised him that I will see if I could save him some money with a better rate/term refinance. He purchased his home with only 5% down so he does not have any equity in the home. He then told me that he received a second mortgage (HELOC) at 13.75% which almost made me fall out of my chair. Not only is this a variable mortgage but it is at an unbelievably high interet rate. I told him that I will try to lower this as well. I told him that let me go do some work/research on my end and that I would call you back with some options for you and your wife. I called him back and told him that I can get him a 7% 30 year mortgage with a second fixed mortgage at 9.125% and he was instantly surprised and happy. He quickly said that his family member who is in the same boat as him is going to call me as well. He was so happy that I was being honest and upfrong with him. Here is the breakdown of the money I am going to save him!

Current Mortgage Payments

1st Mortgage (80%): $320,000 @ 7.375% = $2,210.16/monthly

2nd Mortgage HELOC Interest Only (15%): $60,000 @ 13.75% = $687.50/monthly

Total Monthly Mortgage Payment of: $2,897.66

NEW MORTGAGE PAYMENTS AFTER HE REFINANCES WITH ME:

1st Mortgage (80%): $320,000 @ 7% = $2,128.97/monthly

2nd Mortgage Fixed Principle & Interest (15%): $60,000 @ 9.125% = $613.03/monthly

Total Monthly Mortgage Payment of: $2,742

SAVINGS of $155.66/month!

SAVINGS of $1,867.92/year

SAVINGS of $9,339.60/5 years

Not only am I going to help this young couple save so much money in short term and long term but their 2nd mortgage is not a fixed 2nd mortgage with no adjustable rate and it is also a principal and interest payment so they are paying off their loan as well. Lots of negative news about sub-prime borrowers and this is a success story which needed to be shared with you. Not everyone is in trouble and there are options out there for you if you decide to take advantage of them before it is too late.

Article:

I was just surfing the web and I found this interesting article on Yahoo Finance about the recent sub-prime meltdown so I wanted to share it with you readers today.

Reuters
Housing "nightmare" tarnishes the American dream
Sunday March 18, 12:37 pm ET
By Emily Kaiser

CHICAGO (Reuters) - Jillayne Schlicke's father used to tell her that mortgage banking was the "highest calling of all" because it involved helping people live the American dream of homeownership.

"I learned how to spell 'mortgage' when I was about 6 years old. It was on a flash card," said Schlicke, the daughter of two mortgage bankers and co-executive director of the Ethical Lending Foundation near Seattle.

As a widening crisis over nontraditional and subprime mortgages gone bad threatens to force millions of people out of their homes, Schlicke worries that mortgage brokers are well on their way to overtaking used car salesmen on the list of professions least trusted by consumers.

"We're in ethical chaos in mortgage lending," said Schlicke, who followed in her parents' footsteps and became a mortgage banker and now teaches classes for real estate agents, lenders and consumers on ethical mortgage practices.

"All you have to do is open up your spam (e-mail) bin and you see porn spam, and you see Viagra spam, and you see mortgage spam," she said, adding that the unethical behavior of a small minority of brokers was tainting the entire industry.

"It's going to be a long road to climb out of that gutter."

After the housing market slowed in 2006 and more people fell behind on mortgage payments, the foreclosure stories became front-page news across the United States.

In the last three months of 2006, lenders began foreclosure proceedings on about one out of every 200 mortgages, the highest rate on records dating back 37 years, according to the Mortgage Bankers Association.

Some 1.5 million homeowners will face foreclosure this year, research firm RealtyTrac estimates.

"An American dream has become an American nightmare," said Howard Pitkin, commissioner at the Connecticut Department of Banking.

PAYING FOR THE DREAM

Many people accepted complex mortgages to buy homes that were probably out of reach, but deals such as 100-percent financing and adjustable-rate mortgages that initially carried low monthly payments encouraged excess, critics contend.

"The quality of the loan has everything to do with this crisis," said Josh Nassar, vice president for federal affairs at the Center for Responsible Lending in Washington.

Among the biggest culprits were the so-called "2-28" loans that offered low interest rates and payments for the first two years, but then spiked up. Many borrowers misunderstood the terms or thought they could refinance, and found themselves stuck with mortgages that they could no longer afford.

Nassar and others worry that the true cost of chasing the American dream is adding up quickly. They say soaring foreclosure rates will rip apart lower-income communities where a disproportionate number of those loans were written.

A study released this month by a group of fair housing agencies showed that the price of homeownership was often higher for black and Hispanic borrowers.

The groups examined lending in six major cities including New York, Los Angeles and Chicago and found that black borrowers were 3.8 times more likely to receive higher-cost home loans than were white borrowers. Hispanic borrowers were 3.6 times more likely.

"There's a lot of pain that's occurring and will occur because home ownership was sold at too great a price," said Kevin Stein, associate director of the California Reinvestment Coalition, one of the agencies that worked on the study.

John Taylor, president and chief executive officer of the National Community Reinvestment Coalition, said foreclosure not only devastates the homeowner's credit rating, but also tends to lower the value of properties nearby.

"We're not anti-subprime. There's a role for them. They're important. But these exotic, nontraditional mortgages that are designed to strip wealth need to be eliminated," Taylor said.

He wants lenders to restructure loans to help people stay in their homes, and has called on the Bush administration and Congress to amend rules governing the Federal Housing Administration so that the agency could refinance subprime borrowers' loans that are in default.

For many, any changes would come too late.

Almas Sayeed, an economic policy analyst at the liberal policy group Center for American Progress, said borrowers going through foreclosure had little chance of regaining the financial footing they would need to qualify for another loan.

"This promise of home ownership starts to elude families that tried to buy a home, bought into a loan that they really couldn't afford, and once they foreclosed, the possibility of owning a home again is really, really limited," she said.

For further information on the subprime crisis, see (ID:nN14246848).

THIS ARTICLE WAS TAKEN from YAHOO Finance: http://biz.yahoo.com/rb/070318/usa_subprime_dream.html?.v=3

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If you would like to explore refinancing options then click here: FREE Interest Rate Quotes

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Your CT Mortgage Advisor,

Nima Rezvan

203.913.6016

http://www.nimarezvan.com/

I work NIGHTS and WEEKENDS for your convenience! I'm always available to help you.

Dear Reader,

It is 7:45pm on this snowy Friday night here in Fairfield, Connecticut. Town of Fairfield

I am sitting here at home on a comfortable couch with my wireless broadband dell laptop. A perfect time to blog about my march madness and I am not talking about the NCAA tournament.

What is going on? So much madness that before I continue to share the madness, I wanted to share this video that I just found on YouTube http://www.youtube.com/ which I totally think is matching the feelings that I currently have. Enjoy this 5 second video clip and you tell me if you agree with this video and if it is appropriate for this blog tonight.

<object width="425" height="350"><param name="movie" value="http://www.youtube.com/v/z9kwKzvfogc"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/z9kwKzvfogc" type="application/x-shockwave-flash" wmode="transparent" width="425" height="350"></embed></object>

If the above YouTube video clip is not working then view it directly by clicking on this link: http://www.youtube.com/watch?v=z9kwKzvfogc

Okay, so now that you understand the madness that is surrounding me at this time. I think if I blog about it in a listing format, it will be much easier for you to read.

1.) Sub-Prime Mortgage Meltdown: There has been somewhere between 35-40 sub-prime mortgage companies that have gone out of business or are well under way of going out of business.

2.) Sub-Prime Mortgage Guidelines Tighten Up: The sub-prime mortgage meltdown has caused a tightening of the sub-prime mortgage guidelines for almost all of the banks. The guidelines had already began to get tighter in the past 6-8 months ago but they sure did step up and take away 100% financing from almost all of the banks.

3.) Losing Borrowers: I personally lost a couple of clients who had plans on purchasing their home with a sub-prime 100% financing mortgage. This does not mean that they are not able to purchase a home anytime soon it just means that with my professionalism and a helping hand, I will help them improve their fico/credit scores and even teach them how to save money so that they will be positioned well to get qualified to purchase a home. Note: Countrywide Home Loans still has 100% financing mortgage but only when you go full documentation and if your credit score meets our sub-prime mortgage guidelines.

4.) Nor-easter in middle of March: Are you kidding me? We are getting more than a foot of snow in the middle of March? What? The first day of spring is less than 5 days away! Unbelievable, now this is March Madness.

5.) Realtors Listing Sold: Some mortgage professionals dislike Realtors or trying to build relationships with Realtors but not me. I love Realtors and I receive most of my business from Realtors. I co-hosted an open house 2 weekends ago with one of my Realtors. He received an offer and they accepted two days ago. That is right, the listing was sold by my realtor in less than 2 weeks. This is good march madness but still makes my list.

6.) One of my favorite restaurants: One of my favorite places to eat, Rory's closed down. This was one of the best places to eat here in Fairfield, CT. What a disappointment because the food was amazing and it was a great place to bring clients and business partners. Fairfield, Connecticut is going to miss Rory's for sure.

7.) Countrywide rumors: I can't even tell you how many people have contacted me about the rumors. How is your company? How many are getting laid off? Countrywide is the largest lender in the land and the #1 lender in the land and we are going no where. Sub-prime mortgages are only 7% of our total business. If anything, all of this sub-prime meltdown will be better for Countrywide as we will pick up more market share.

8.) $300 Cell phone bill: Wow, $300 cellular phone bill in February. It could be a bad thing or a good thing but it was definitely good for me. I had a personal best month of February in all of my years in the mortgage business. They say the record setting annual bonuses people received caused a pre-mature spring market here in Fairfield County, Connecticut and I took a big advantage of that by helping consumers with their home financing needs. I know this was a February record but the bill I got in March!

9.) Moving up on search engines: Yes, moving up on search engines like it is my job! Madness I tell you, madness. I just got a call 5 minutes ago from a homeowner who wants to refinance even though he bought his home in October of 2006. I asked him how he found me, he said his wife found me on the internet. Spent 8-10 minutes just now talking to him and I am ready to see what I can do to help this young couple out with their extremely high mortgage payments. It is my job now to see if it makes sense for them to refinance and if a refinance is in their best interest. In March, I moved up on search engines and my incoming calls increased.

10.) NCAA what else? Yes, NCAA! Folks, the game have begun and everyone is glued to their tv sets watching all of the games and seeing how their brackets are doing. I am actually winning in an office NCAApool which I was invited to on CBS SportsLine http://www.cbssportsline.com/ MADNESS I tell you, MADNESS!

Hope you enjoyed this entertaining blog today. Thanks for dropping by.

*Note: If you are a first time visitor to this blog then you can subscribe to this blog by clicking on this link: FREE Quotes! 100% Financing! Local Mortgage Specialist! Connecticut, Home Loans, CT, Call: 203 913 6016

Your Connecticut Mortgage Man,

Nima

203.913.6016

http://www.mynima.com/

I work nights and weekends for your convenience!

Dear Reader,

It is an extremely cold Friday morning here in Fairfield, Connecticut and I just read a quick blog by my friend/realtor in Maryland Margaret Rome. Her blog is about how some real estate professionals have lost sight on print advertising and are concentrating more on Internet advertising. Check out her blog if you have time: Internet Advertising Only? ..... I Think Not !

Margaret's blog inspired me to write a blog about how real estate professionals can make print advertising work for them. I will share what techniques I am currently involved in but remember that my techniques don't necessarily mean that it is the way to go and that it works perfectly fine. Just a small quick "warning" so no one thinks that it works for everyone. Like they say about the real estate business, advertising is not for everyone. If you would like to start or change your print advertising then I hope you enjoy this blog today.

5 Quick Print Advertising Tips:

1.) Location! Ask yourself, where do you do business or more importantly, where is your business concentrated? This should be an area where you should possibly think about advertising. For example, if you have lived in Fairfield, CT Fairfield, Ct for the past 20+ years and Fairfield has been a part of your life the past 2 decades then it makes perfect sense to advertise locally in your hometown. I am currently advertising in the Fairfield Minuteman Fairfield Minuteman - News - Top Stories which is a FREE weekly newspaper publication that is delivered to all business's and homes in Fairfield and actually a few small surrounding towns as well like Easton, CT, Southport, CT, etc.

2.) Type of Ad! Very important everyone, very critical. What do you want your readers to see? This can be different for all real estate professionals. You basically want to in a quick orderly fashion because you only have a second or two to get your point across to the reader on what you do, who you are and how they can contact you. This is the best type of ad that you can run. Just plain and simply show who you are, what you do and how they can contact you. For example, if you are to look in the upper right hand corner, you will see my Active Rain main default picture. If you add my company logo, that is all that I have running right now with the Fairfield Minuteman. Yes, just my company logo, my picture, my cell phone and my website. How do people know what I do for a living? Well working for Countrywide Home Loans Countrywide Home Loans- Real Estate Mortgage Lender | Homebuying ... basically helps me out big time here. Not only just the company logo gives it away since they are the largest lender and the top lender in the country but the words: Home Loans after Countrywide helps. Imagine if wrote on the next line that I do mortgages or home loans? Wouldn't that be something repeated? Wouldn't that be a waste of space? A waste of the 1-3 seconds you have of your reader. Don't waste your time, your money and your readers attention time. Make a small ad that is easy to view/read.

3.) Size of Ad! If you have the funds to do a one page ad every single issue then go for it. If you don't want to do a giant ad then you can also choose a small ad and still make it work for you. Open up the newspaper that you want to enter and see what others are doing. Try to pick a size that is different from the others. Make your ad stand out. Make it a square box or make it a rectangle. Make it a long ad or a wide ad. This is very important and not many people even realize this. Again, this goes back to the 1-3 seconds of the readers attention span you want to grab. I for example do the 2nd smallest ad that you can have in the local Fairfield paper and it works perfectly fine for me. I fit everything that I want into the small ad.

4.) Usage of Ad! How many times should you advertise in the publication? Again, another huge portion of print advertising. Imagine if you advertise just once in your hometown publication or even 2-3 times and you do not get a single call. Isn't that horrible? Yes, of-course it is but it is a part of print advertising. You need to repeat your ad consistently in order to become a household name in your hometown. For example, I advertise in every single issue of the Fairfield Minuteman. I know for a fact that it works and it reminds people on what I do for a living. I go out locally and I bump into old friends or just locals who say you are the Countrywide guy right? You are the mortgage man right? I always say why yes. They may not need a mortgage right there at that time but they might remember to give you a call since they see you in the paper every issue. I have attended realtor open houses and realtors have mentioned that they have seen me in the newspaper. So it does work and people do read the newspaper. Again not all real estate pros can advertise in every single issue but if you think it makes sense and if you have the extra marketing dollars than go for it.

5.) Section of Publication! Where should you place your advertisement? Which section of the paper should you place your ad? Well it's obviously Real Estate but it may not always be the best spot for your ad. Specially during buyers market, there will be lots and lots of ads. All the real estate professionals will be battling one another for business and they want to be the first professional the consumer chooses. If you open up your local paper and there are 10 real estate agents ads or 5 mortgage professional ads then will you still place your ad in that section? I suggest you placing it in the regular section or in the beginning of the paper and making it stand out. This can work for you and against you. Some home shopper or mortgage shopper might just go straight to the real estate section or a local hometown neighbor might always go through the whole paper. You never know when the next client is coming or where they are coming from so advertising in a different section can work for you as well. You need to think outside of the box at times and here is a good reason to.

Bottom Line: Interest advertising is extremely popular these days but let's not forget other forms of advertising like print advertising. I have a 1pm home appointment with a Fairfield Beach Homeowner who spotted me in the last issue of the Fairfield Minuteman so it is actual current proof that it does still work.

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Thanks for your kind attention once again. Come back and visit again!

If you have any questions regarding home financing then please visit my website http://www.mynima.com/ and send me an email or call me directly since I am available to you 7 days a week until 10pm est at 203.913.6016

For more information or if you have any questions/concerns, click here to ask me: Contact Nima now!

For a complimentary FREE Mortgage Pre-Approval, click here: FREE Home Mortgage Pre-Approval

First Time Home Buyer Guide: First Time Homebuyers Guide

Your Neighbor & Connecticut Mortgage Professional,

Nima Rezvan

203.913.6016

http://www.mynima.com/

*Note: I can originate loans in all 50 States! Making homeownership dreams come true since 2003! Working Nights & Weekends until 10:00pm for your convenience.

Member of the Fairfield, Connecticut Chamber of Commerce:

http://www.fairfieldctchamber.com/online/directory/display.asp?business=Countrywide+Home+Loans

Member of the Stamford, Connecticut Chamber of Commerce:

http://www.stamfordchamber.com/membinfo.asp?id=5996

Member of the Norwalk, Connecticut Chamber of Commerce:

http://www.norwalkchamberofcommerce.com/