April 2013 – Your One Stop Real Estate Website!

EASEMENTS SOMETIMES OVERRIDE PRIVATE PROPERTY RIGHTS

By Deborah Laemmerhirt | April 3, 2013

Suppose you’re quietly enjoying your new home one morning, when you’re disturbed by a crowd of strangers in hiking gear, passing through your property. You confront them and discover that they have been using the path by your house for years in order to access a public hiking trail. Can you Types of Easements There…

CT Lake Home 4 Bedrooms 5 Bathrooms!

By Deborah Laemmerhirt, CT,Newtown, Bethel, Ridgefield, Redding,Roxbury,Bridgewater (Previews - Coldwell Banker - CT) | April 3, 2013

Deborah Laemmerhirt 203.994.4297

Upscale Lake Community Home On 1.85 Acres!

Overview
Maps
Photos
Neighborhood

$689,000

Single Family Home

Main Features

4 Bedrooms
3 Bathrooms
2 Partial Bathrooms
1 Unit
Interior: 3,728 sqft
Lot: 1.85 acre(s)

Location

6 Hidden Brook Drive
Brookfield, CT 0604
USA

To get updates on open home dates and other property events, please click the “Like” button below:

Deborah Laemmerhirt

Coldwell Banker NRT
(203) 994-4297
Deborah.Laemmerhirt@cbmoves.com
https://HomeSalesByDeborah.com

Listed by: Coldwell Banker

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Upscale Lake Community Home On 1.85 Acres!
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Tasteful Renovation: Legal 2 Family Home!
Western CT Location for a Easy Commute!

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How Do I Know What My House Is Really Worth?

By Deborah Laemmerhirt | April 2, 2013

The market value of your home will be an important consideration in several decisions you might make, including refinancing, borrowing against the home’s accumulated equity, putting the home up for sale, estimating homeowner’s insurance, estimating annual property taxes, estimating the return from remodeling jobs, estate planning, and so forth. Remember, how much was paid for…

CT Energy Trends In The Home

By Deborah Laemmerhirt, CT,Newtown, Bethel, Ridgefield, Redding,Roxbury,Bridgewater (Previews - Coldwell Banker - CT) | April 2, 2013

Home Facts: First up what is a Gigawatt? Electricity is produced and consumed in watts, as in a 40 watt light bulb. The common measure of a lot of electricity is a gigawatt or 1 billion watts of electricity, enough to power 300,000 average homes at a given moment.

More Home Facts: What is Net Metering? Net metering is a billing mechanism that credits solar energy system owners for the electricity they add to the grid. For example, if a homeowner has a solar system on the rooftop, it may generate more electricity during daylight hours than the home uses. If the home is net-metered, the electricity meter will run backwards to provide a credit against what electricity is consumed at night or other periods where the home’s electricity use exceeds the system’s output. Customers are only billed for their “net” energy use.

Solar power, both in industry and the home is undergoing a dramatic increase as the cost of solar panels and associated technology has dropped in price (decreased about 25%). Also, to the benefit of the solar movement, the tax incentives (federal and state) to deploy solar at the national and state level are very significant. Nearly 83,000 homes installed solar units in 2012. See what happened last year in the top ten most active states…

https://www.seia.org/news/multimedia/shareable-graphics

Other Good News:

Solar creates jobs: Every second of the work day, more than two solar panels are installed by a solar worker on American soil. Today, solar employs 119,000 workers in the U.S.
Solar powers homes: There is now more than 7.7 gigawatts of cumulative solar electric capacity installed in the U.S., enough to power more than 2 million American households.
Solar drives our economy: In 2012, new U.S. solar installations were valued at $11.5 billion – more than double the $5.5 billion value of installations in 2010.

Those who are against the solar movement contend that solar is a fad. The installation increase is in stark contrast to this thinking. Solar is not the best energy source for many homeowners and it will never be useable in many parts of the country. No one is saying that Solar will get us off the hook when it comes to Mideast oil needs.

Getting Your Feet Wet! Links to help you decide if Solar is right.

Going Solar The Right Way

https://www.mnn.com/earth-matters/energy/stories/how-to-go-solar-the-right-way

Incentives and Programs by state and county:

https://www.cleanenergyauthority.com/solar-rebates-and-incentives/

New FHA Rules – Will These Changes Hurt The Housing Market?

By Deborah Laemmerhirt, CT,Newtown, Bethel, Ridgefield, Redding,Roxbury,Bridgewater (Previews - Coldwell Banker - CT) | April 2, 2013

Home Facts: What is the FHA? The Federal Housing Administration, generally known as “FHA”, provides mortgage insurance on loans made by FHA-approved. FHA insures mortgages on single family and multifamily homes. It is the largest insurer of mortgages in the world, insuring over 34 million properties.

HomeFacts Two: What is Mortgage Insurance? Mortgage insurance provides lenders with protection against losses as the result of homeowners defaulting on their mortgage loans. The lenders bear less risk because FHA will pay a claim to the lender in the event of a homeowner’s default. There are other providers of Mortgage Insurance based on the mortgage origination.

The FHA said new rules in effect in April will raise annual insurance premiums for most new mortgages by one-tenth of a percentage point. Also, most borrowers will be required to pay mortgage-insurance premiums throughout the life of the loan. Historically homeowners could cancel, and stop paying for mortgage insurance when the outstanding loan balance reached 78% of the original principal balance.

FHA is a major player in the housing finance sector. FHA’s share of single-family-home-purchase loans is about 26%. About 78 percent of those loans were made to fist time home-owners. The FHA is different from the role that Fannie Mae and Freddie Mac play. The FHA doesn’t “buy mortgages” from banks like Fannie and Freddie but the FHA insures approved mortgages.