Trulia Community - Advice from neighbors and local experts

Find Your Community
We couldn't find that location. Please try again.
Get Expert Advice

Home Buying in Hamden : Real Estate Advice

  • All50
  • Local Info4
  • Home Buying15
  • Home Selling0
  • Market Conditions2

Activity 18
Fri May 29, 2015
parm answered:
there is one in norwich you can buy like that.
there are some options,but you need to be creative.
my email add is
0 votes 3 answers Share Flag
Fri May 29, 2015
parm answered:
there are private loans you can get with help from us citizen.
you can create a company with us citizen and get some loans.
my email add is
0 votes 4 answers Share Flag
Sat Jul 19, 2014
Robert Ghent answered:
Please call me at 203-543-2847 so we can get to work on this.

Robert Ghent
Ghent Realty Advisors
42 McKinley Ave
New Haven Ct 06515
0 votes 4 answers Share Flag
Fri Jun 27, 2014
Jessica Tracy answered:
Are you looking to rent or buy?

Jessica Tracy
Keller Williams
0 votes 1 answer Share Flag
Wed Mar 12, 2014
Yes! You have to meet the other standard qualifications for obtaining an FHA mortgage, but that score will not disqualify you. Make sure you speak with an experienced lender to discuss all your options and the pros and cons of each.

I am available to help you at your convenience if you wish.

I also offer credit score improvement programs for free while we work on your mortgage.

If you like my answer above, consider clicking on a “Thumbs Up” or “Best Answer”


Robert L. Hanson
Gladewater National Bank
First Time Homebuyer Specialist

Direct: 240-752-7549 Cell: 301-651-7822
NMLS# 695929

Rate quote or live chat with me at the link below:
... more
1 vote 3 answers Share Flag
Wed Mar 12, 2014
Arthur J. Sapienza answered:
The numbers should still work for you. They will not count any rental income from the house that you currently own to qualify. To be sure know payments on current debt you have listed. On the surface it looks Ok.

Worth having a conversation.

Arthur J. Sapienza
Sr. Loan Officer
Washington Trust Mortgage Company LLC
203-605-7621 Cell
... more
0 votes 5 answers Share Flag
Sun Jun 9, 2013
Joseph Scrocca answered:
as long as your lender has a processer that does a WRITTEN Verification of Employment or VOE and the employer for your second job states your continued employment is good you will be fine. You won't be able to use any over time or bonus income from the 2nd job until you have 2 full years but base salary after 22 months is fine as long as your stability of continued employment at that job is good. ... more
0 votes 1 answer Share Flag
Mon Dec 3, 2012
Judi Starno answered:
Yes, there is. You can call the hamden Town Hall to find out the specifics.
0 votes 1 answer Share Flag
Wed Jul 18, 2012
Scott Godzyk answered:
There is no address or link to any property, please go back to the ad you saw, click on the profile for the listing agent and contact them direct. you can also get a buyer broker who can show you the home and guide you through the buying process. ... more
0 votes 1 answer Share Flag
Fri Sep 2, 2011
Rebuildinginmi answered:
I'm looking for more house in a better neighborhood. I realize it comes with a higher price but it does make a difference. School district is high on my list.
0 votes 5 answers Share Flag
Tue Aug 30, 2011
Krista Harrington answered:
As others have said, you need to contact a mortgage officer and see what they can do for you and if they can help you improve your credit. Generally speaking, you need a credit score of a 620 around here to qualify for a mortgage. However, there are some programs that will work with buyers with a score that is lower. You need to check out your specific options.

As for the credit reports being wrong, you should contact the credit bureaus. If you have paperwork from creditors saying that you are all paid up, they should be able to correct your report for you. Make sure that you keep all of the necessary paperwork from any creditors so that you have proof that you are paid up, etc.

Good luck!
... more
0 votes 5 answers Share Flag
Sun Jul 31, 2011
Paul Welden answered:
There is a Certified 203k Contractor in your area in Connecticut. Go to the 203k Contractor Directory at

Paul Welden, Director
203k Contractor Education & Certification Program®
Contractor Directory for the FHA 203k Loan
Office 480.463.4663
... more
0 votes 1 answer Share Flag
Wed May 25, 2011
John Proto answered:
Hi Arlene,

Hope all is well in Glen Allen. The current mill rate for the 2010-2011 tax year in Hamden is 31.16 mills.

Please don't hesitate to contact me if you have any other questions about the town. I'm a native of Hamden and it's a great place to live. You can find out more about the town by visiting the chamber of commerce website at

John Proto, REALTOR
Calcagni Associates
2620 Whitney Avenue, Hamden, CT
... more
0 votes 2 answers Share Flag
Sat Apr 30, 2011
Joan DiVincenzo answered:
I would suggest saving enough for your down payment and some closing costs, then buying through the normal process. Lease options are very confusing and very uncommon in this area. If you are renting, you are throwing your money away. You will be surprised how much you will save by buying a home! ... more
0 votes 3 answers Share Flag
Fri Sep 3, 2010
Dan Ross answered:
Consider what your buying power is now with prices being down and mortgage rates at all time lows, vs. what it will be in 6 months. It is likely that prices won't change much in the next 6 months, but the interest rates could.
Consider buying as much house as you can now with the $20k down, then using the gift money to make some improvements or to it apply it to principle, when you get it.

There is a lot of inventory available now, so you should be able to find a home that suits your needs and your wants, that is within you budget. Good Luck on the search.
... more
0 votes 5 answers Share Flag
Thu Sep 2, 2010
None answered:
Think about your home as an investment. As an agent in CT I can tell you that a 2-car garage will add a tremendous resale value to a home. Not only will it add value to your home, but a home with a 2-car garage will be easier to sell and appeal to a larger number of home buyers than one with no garage.

Why is a garage so important in CT? Coverage from snow is just one consideration for a garage (all parts of CT get snow). Many people use garages for general storage, as a workshop or to manage sports equipment. Others use garages to safely protect boats, motorcycles and extra cars.

Also keep in mind that if you live on a small lot, it is likely that when you remove this garage from your property and replace it with lawn, you (or any future owner of this property) may not have an option to put a garage back up. Setbacks and zoning laws may have changed since the garage was built, and you (or any future buyer) may be prevented from building another 2-car garage.

If you tear down your 10-year old garage, you will reduce the overall value of your home. Your personal enjoyment may be higher today if there is a lawn, vs a garage. But you have young children and your needs may change as they grow, and your desire for a lawn may soon be outweighed by your needs for more storage and parking. Think about your options, make an informed decision and do what you think is best. At the end of the day, it is your home and it comes down to what you want to do.

If you have any questions, feel free to give me a call.


Scott Silverstone
Page Taft Real Estate
203-815-9118 (Direct)
... more
0 votes 4 answers Share Flag
Wed Mar 3, 2010
None answered:
More information will be needed. Are you trying to buy off the remainder of a loan on your own home? If so, you need to speak with your lender before you try to do this - many banks do not allow customers to finalize a loan before the end of the terms. Others charge high fees to pay off a loan early.
Are you trying to "buy out" the remainder of another person's loan? Is this through the homeowner or a bank? If it is through a bank, keep in mind that banks usually look for fair market value when selling a home - this number may be more or less than what is owed on a property.
If you want to discuss this further, you can reach me at directly at 203-815-9118. I'm a full time agent in the area and help many people buy and sell homes.
Scott Silverstone, Page Taft Real Estate
203-815-9118 -
... more
0 votes 1 answer Share Flag
Thu Oct 8, 2009
Carl Guild answered:
There sure is... The problem is finding them!! Of course the ones who are able to do it, may not have a house you like... It is a tricky situation to pull off, to find a house you like and the seller is able to take back the note.. Even so the seller may be hesitant to take back the note if you don't have a reportable income stream... ... more
0 votes 1 answer Share Flag
Search Advice
Home Buying in Hamden Zip Codes