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Home Buying in Southbury : Real Estate Advice

  • All33
  • Local Info2
  • Home Buying9
  • Home Selling3
  • Market Conditions1

Activity 10
Mon Aug 3, 2015
Diane.stanley answered:
What is the largest unit you have for sale at the Heritage Village? Also, are children allowed to live their?130
0 votes 6 answers Share Flag
Mon Oct 27, 2014
Elva Wormley answered:
Hi Vincent,

Great question!

Points are one type of fee paid at closing by you to your mortgage lender. There are two types of points: Origination Points and Discount Points. Each point equals 1% of your loan amount. For example, 1 point on a $100,000 loan would cost $1,000.

What is the difference between Origination Points and Discount Points?

They differ in where they are applied. Origination points are charged to recover some costs of the loan origination process. Typically, your Loan Officer's compensation is based on the Origination point(s).

Discount Points are used to "buy" your interest rate lower. This is known as a rate "buydown." A general rule of thumb is that one full Discount Point will lower your fixed interest rate .250% or your adjustable rate .375%. These points lower the interest rate for the entire term of the loan. There is usually some flexibility by the lending institution in determining the actual buydown formula, but less than with Origination Point(s).

The general rule is that the longer you plan to own the home, the more you might benefit from buying points, because you would realize more interest savings over the life of the loan. When you consider whether points will be right for you, it helps to run the numbers.

Best regards,

Elva A. Wormley
Mortgage Consultant
Office (408) 615-8500
C2 Financial Corporation
2845 Moorpark Avenue, Suite 209
San Jose, CA 95128
NMLS #331981 / CA BRE #01274093
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Tue Oct 15, 2013
Tom Greto answered:
There's a separate quarterly water and sewer fee of $151.00 for all the models except the Berkshire which has a water and sewer charge of $181.00 per quarter.
15 votes 1 answer Share Flag
Wed Jul 24, 2013
Donna J Matula answered:
Hi -
Your granddaughters would have to be over 18 years old to be able to live with you at Heritage Village. However, there are two non-age restricted condo's called Heritage Crest and Heritage Circle and you'd be able to have them live with you there. Hope that helps!
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Mon Feb 11, 2013
David Carr answered:
You can have comparable market price opinion completed by a experienced prifessional who will use comparable prices to estimate the value, but only a licensd appraiser can state the value on the day they sign the report. The value can change if the market changes due to a variety of conditions including supply, buyer pool population, and lending terms. (c)2013David Carr ... more
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Wed Dec 22, 2010
Richard Sanderson answered:
Try contacting the Town or County community development or public relations office. Many times they maintain lists of condominiums associations or home owner associations (HOAs) for public relations outreach. Often the planning and zoning development may perform this function as they need to be able to notify a condominium association or HOA in the case of a rezoning or land use issue. ... more
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Wed Dec 22, 2010
The Jim and Kendra Team answered:
A-1 Business Services in Woodbury is listed on the MLS listing for the only current active in Greenhouse. That number is 203-263-6750.

JIm Beamish
The Jim and Kendra Team
William Raveis Real Estate
Southbury, CT
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0 votes 2 answers Share Flag
Mon Nov 17, 2008
Joyce Skowronski-(203) 350-0771 answered:
Judy, there are 122 condos for sale in Heritage Village now, but I'm sorry I didn't find 797A to be on the list.. I can e-mail you the list if you'd like me to do that. Joyce Skowronski ... more
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Mon Nov 3, 2008
Patrick Maloney Jr. answered:
I don't know what property you are referring to. Can you list a MLS # or address?
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