Sandra Cummings Shoreline Blog

Homes for Sale North Haven Connecticut August 2010 Market Report for North Haven Connecticut August 2010

North Haven Connecticut Home Sales and Market Report August 2010

North Haven Town Green

 

 

 

 

 

 

 

 

 

 

Median Price - The Median sales price in August was $240,000, compare to $280,000 in August 2009 a decrease of 14.3%.

Home Sales for North Haven- There were 19 sales in August 2010, compared to 17 sales in August 2009, a change of 11.8 %

Average Price - The Average Sales Price in August was $386,428, compared to $421,569 in August 2009 a decrease of 8.3%

Sales to List Price Ratio August 2010 94.3% compared to  95.9% in August 2009, a drop of 1.7%

Inventory - The total inventory of homes available for sale as of August 2010 was 160, up 7.4% from August of 2009. August 2009 149 homes were for sale

Market Time for Sold (days) August 2010 , 83 days, compared to August 2009, 75 days an increase of 10.7%.

Months of Supply August 2010, 10.7 months, compared to11.6 months in August 2009,  an decrease of 7.6 %

 

If you are thinking about putting your home on the market, now is the time! Contact The Cummings Team! Let me show you what we can do to market your home. We cover New Haven Counties and the Shoreline Communites, including North Haven, Madison, Guilford, Branford, North Branford,Hamden, Northford and Wallingford. Give us a call today.

Sandra L Cummings
Realtor®

William Raveis Real Estate - Real Estate for Real People
21 Whitfield Street
Guilford, CT 06437
phone - 203-672-2456            
cell - 203-676-5948        
Sandra@CummingsTeam.com
North Haven Real Estate

0 comments • Guilford Connecticut Real Estate Agent, Sandra Cummings • October 20 2010 02:27PM

Home for Sale - Clinton Connecticut - 73 Grove Street $239,900

Photo Gallery



73 Grove Street



Living Room/Family Room



Dining Area



Dining Area



Kitchen



Bedroom



Bedroom



Bedroom



Backyard
Description

Charming 4 Bedroom Cape south of route 1. Walk to town and marina. Large family room with vaulted ceilings and sliders to fenced in yard. Open Dining Room/Kitchen Area. Flexible Floor Plan. 2 full Remodeled baths. Convenient 1st Floor Laundry, Central Air and Updated Mechanicals, Hardwood Floors. 1 Car Detached Garage.


Features
Bedrooms: 4
Bathrooms: 2
Year Built: 1954
Lot Size: 0.15
Garage Size: 1 Car
School District: Clinton
Square Footage: 1126
Agent Name: Sandra Cummings
Broker: William Raveis Real Estate
MLS #: M9122538

Location
Powered by vFlyer.comvFlyer Id: 3547159
5 comments • Guilford Connecticut Real Estate Agent, Sandra Cummings • August 18 2010 02:23PM

Homes Sales for North Haven Connecticut July 2010 and Market Report for North Haven Connecticut July 2010

North Haven Town Green

 

North Haven Connecticut Home Sales and Market Report July 2010

 

 

Home Sales for North Haven- There were 10 sales in July 2010, compared to 22 sales in July 2009, a change of 54.5 %

Median Price - The Median sales price in July was $257,500, compare to $293,517 in July 2009 a decrease of 12.3%.

Average Price - The Average Sales Price in July was $272,200, compared to $292,991 in July 2009 a decrease of 7.1%

Sales to List Price Ratio July 2010 93.7% compared to  96.8% in July 2009, a drop of 3.3%

Inventory - The total inventory of homes available for sale as of July 2010 was 137, up 3.8% from 132 in July 2009.

Market Time for Sold (days) July 2010 , 69 days, compared to July 2009, 71 days, a decrease of 2.8%

July YTD sales are 100, compared to last years YTD sales of 85 an increase of 17.6%

Inventory July 2010, 137 homes, July 2009, 132 homes, and increase of 3.8% over last year.

Months of Supply July 2010, 11 months, compared to10.9 months in July 2009,  an slight increase of 0.6 %

 

If you are thinking about putting your home on the market, now is the time! Contact The Cummings Team! Let me show you what we can do to market your home. We cover New Haven Counties and the Shoreline Communites, including North Haven, Madison, Guilford, Branford, North Branford,Hamden, Northford and Wallingford. Give us a call today.

Sandra L Cummings
Realtor®

William Raveis Real Estate - Real Estate for Real People
21 Whitfield Street
Guilford, CT 06437
phone - 203-672-2456
cell - 203-676-5948
Sandra@CummingsTeam.com
North Haven Real Estate

3 comments • Guilford Connecticut Real Estate Agent, Sandra Cummings • August 16 2010 11:18AM

New Good Faith Estimate 2010 Form

 

The following is some very important information regarding changes to the Good Faith Estimate Form that every home buyer should be aware of. This was written by my friend George Souto a Loan Officer at Mccue Mortgage.

 

Via George Souto (McCue Mortgage) FHA, CHFA, VA Mortgages CT.:

The new Good Faith Estimate 2010 Form is now officially in affect.  This new form became affective on January 1, 2010, and will in many ways change the way Lenders have been doing things.  The new Good Faith Estimate 2010 Form will have both a positive and negative impact on both the Borrower and the Lender.

The positive is that the new Good Faith Estimate 2010 Form will now require ALL Lenders to use the same format.  In the past it was some times difficult for a Borrower to compare loan costs between Lenders, because the costs were disclosed and broken down differently from one Lender to another.  Now everyone will have to do it the same way and use the same form.  The new Good Faith Estimate 2010 Form also will prevent Lenders from changing certain costs that are originally listed on the new Good Faith Estimate 2010 Form, I will list these later.  The new Good Faith Estimate 2010 Form will also have an impact on the HUD-1, because now what was listed on the new Good Faith Estimate 2010 Form will have to be compared to that actual cost on the last page of the HUD-1.  These are all positive changes that the new Good Faith Estimate 2010 Form will have in my opinion.

What isn't positive about the new Good Faith Estimate 2010 Form in my opinion is that it does not break costs down like the Good Faith Estimate Form that I have right now, instead groups costs together in several places.  The new Good Faith Estimate 2010 Form will also cause Lenders to possibly not give Borrowers a Good Faith Estimate at the time that they are Pre-Approving a Borrower, because it locks them into certain things that they can't change later.  It is good that Lenders can't  just change their things, but there are situations that it might be out of their control why a cost changed and now the Lender is locked into what was originally disclosed under a different set of circumstances.  For this reason Lenders may now choose to not issue a Good Faith Estimate until they are actually putting a loan into process.  This in my opinion will make it more difficult for Borrowers to compare costs between Lenders prior to submitting a loan.

I am going to stop this post at this point, and continue it in one or two more posts this week.  What I have found over a period of time here on ActiveRain, is that if you make a blog to long, fewer people read it.  This information is too important, and will have such a big impact on Borrowers as well as everyone else in this industry, that I feel I need to present it in such a way that others will take the time to read, and not be turned off by its lenght.

So I hope that those that are reading this blog now will take the time to return and read the continuing blogs on the new Good FFaith Estimate 2010 Form.  I promise that it will not be a waste of your time to do so.

 

******************************************************************************************************************

Info about the author:

George Souto is a Loan Officer who can assist you with all your FHA, CHFA, and Conventional mortgage needs in Connecticut. George resides in Middlesex County which includes Middletown, Middlefield, Durham, Cromwell, Portland, Higganum, Haddam, East Haddam, Chester, Deep River, and Essex. George can be contacted at (860) 573-1308 or gsouto@mccuemortgage.com

9 comments • Guilford Connecticut Real Estate Agent, Sandra Cummings • January 06 2010 09:02AM

A few ways to ensure the American Dream doesn't turn into a Nightmare.

 

This post is by a very close friend of mine and knowledgeable mortgage guy and provides valuable tips on how to make the mortgage process smoother.

 

Via Jason Sardi, Mortgage Banker (FHA-VA-USDA-Conventional-Pennsylvania Loans):

Whether you are buying a home or refinancing the one you already own, there are steps you can take to avoid unnecessary problems as the transaction gets to closing.  While it is important your chosen loan officer (read->Me;) helps to educate you on these, doing your due diligence before hand is rarely a bad idea.  Here's some food for thought:

  • If you are required to bring money to the table, make sure you have enough money in your account to do so.  Also, lenders & banks often require that funds to close a loan are seasoned and sourced.  This simply means that they want to know where it is coming from and how long it has been available.  Generally speaking, they want to make sure that it has been available at least 60 days.  As far as the source of the money, your bank account is acceptable.  Your mattress is not. 

 

  • Don't be moving large amounts of money around.  Any irregular deposits being made that don't jive with your regular banking habits may put up a red flag.  That red flag would then have to be explained. 

 

  • While you may want to buy furniture, that gorgeous new car, or the newest vacuum cleaner from Dyson, avoid any large purchases prior to your loan being closed.  If we have to re-verify your credit and another debt shows up that didn't at the time of the initial approval, it could kill the deal and your dream.

 

  • If your loan approval requires you to pay off bills or back debt, DO NOT PAY THEM YOURSELF, CONTINUE TO MAKE ROUTINE PAYMENTS UNTIL YOUR LOAN CLOSES.   Just gather the most current monthly statements or most recent statement on a bad debt and get them to your loan officer.   That way the Title Company and Lender can make sure the debt is paid off in full. 

 

  • If there is any change in your employment, notify your lender immediately!  While you may dislike your wise-ass boss or the people you work with, do not quit your job.  You can quit after the loan closes.  Then again, you'll need some source of income to pay your mortgage so don't quit your job (after the loan closes) until you have another lined up.

 

  • Don't apply for any type of additional credit until your loan closes.

 

  • Do not open or close any accounts you currently have on your credit.  Of note, closing an account that you have paid on time is not generally regarded as being too healthy for your credit score.

 

  • Continue to make ALL of your payments as agreed, especially your mortgage even when you are refinancing your loan.  If your loan officer ever tells you not to make your mortgage payment, disobey that incompetent entity and find a new loan officer.  The only exception to this is if your loan is clear to close and your signing the papers the next day.  If you make any extra payments to your mortgage before closing, they will be applied to your pay-off or refunded to you from your former mortgage company.

 

  • If your loan officer asks for documentation, they probably need it.  While you can question why they need it all day long, it is counter-productive to the common goal... your loan closing.

 

  • This last piece of advice is one for anybody wanting to get pre-approved to buy a home.  Your loan officer will take a full application and run your credit and probably issue you a pre-approval for such and such amount of money to buy a home.  Do everyone involved a favor, supply all supporting documentation (pay-stubs, W-2's, bank statements, etc) as soon as possible.  That's a real pre-approval, my friends.  Sorry, I just had a John McCain moment:)  I see quite often that folks mistake what they actually make in income or have in the bank account.  If you supply them with everything, the full story is there.  When you supply the full story, it makes the lending decision easier to fund your book.

 

Make homeownership a wonderful dream, nightmares are better left to film and certain parts of the imagination.

 

Jason Sardi

Mortgage Consultant

Infinity Home Mortgage Company, Inc

Toll Free @ 1-866-262-8720 ext. 229

jsardi@ihmci.com (and think twice before you spam me, I can be deadly with words;)

 

0 comments • Guilford Connecticut Real Estate Agent, Sandra Cummings • April 04 2009 06:37PM

Wordless Wednesday - Almost time to start cutting that lawn again

 

North Haven Farm - Sandra Cummings - 2009

___________________________________________________________________________________________

If you are thinking about putting your home on the market, now is the time! Contact The Cummings Team! Let me show you what we can do to market your home. We cover New Haven Counties and the Shoreline Communites, including North Haven, Madison, Guilford, Branford, North Branford,Hamden, Northford and Wallingford. Give us a call today.

Sandra L Cummings
Realtor®

William Raveis Real Estate - Real Estate for Real People
21 Whitfield Street
Guilford, CT 06437
phone - 203-672-2456
cell - 203-676-5948
Sandra@CummingsTeam.com
North Haven Real Estate

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27 comments • Guilford Connecticut Real Estate Agent, Sandra Cummings • March 25 2009 04:54PM

For Sale - 20 Tanglewood Drive, Branford, CT 06405

Best Buy In Branford

20 Tanglewood Drive, Branford, CT 06405 View Map

Sitting at the end of a cul-de-sac abutting the woods is this charming 3 bedroom, 2.5 bath cape awaiting it's new owners.

Living room and dining room with newly refinished hardwood floors and crown molding.

Family room with bay window, fireplace and sliders leading to the screened in porch. First floor office overlooking the wooded back yard.

Master bedroom with skylights and private bath.

First floor laundry, large 2 car garage and under ground irrigation system are also feature in this outstanding home.

Details

Asking Price:
$419,900.00
MLS:
M9114714
Sq. Feet:
2246
Lot Size:
120x120
Bedrooms:
3
Bathrooms:
2.5
# of Floors:
2
Garage Size:
2 car
Year Built:
1988

Property Amenities

    - Range/Oven
    - Sink Disposal
    - Full Refrigerator
    - Washer/Dryer
    - Dishwasher
    - Fireplace
    - Hardwood floors

Contact Info

Sandra Cummings
Realtor



Dir 203-676-5948
Email


 

___________________________________________________________________________________________

If you are thinking about putting your home on the market, now is the time! Contact The Cummings Team! Let me show you what we can do to market your home. We cover New Haven Counties and the Shoreline Communites, including North Haven, Madison, Guilford, Branford, North Branford,Hamden, Northford and Wallingford. Give us a call today.

Sandra L Cummings
Realtor®

William Raveis Real Estate - Real Estate for Real People
21 Whitfield Street
Guilford, CT 06437
phone - 203-672-2456
cell - 203-676-5948
Sandra@CummingsTeam.com
Branford Real Estate

Subscribe in a reader

Subscribe to The Shoreline Blogger - Sandra Cummings by Email

3 comments • Guilford Connecticut Real Estate Agent, Sandra Cummings • February 09 2009 09:49AM

Wordless Wednesdays - Come Fly With Me

Melbourne Beach, Fl-Sandra Cummings-2009

 

___________________________________________________________________________________________

If you are thinking about putting your home on the market, now is the time! Contact The Cummings Team! Let me show you what we can do to market your home. We cover New Haven Counties and the Shoreline Communites, including North Haven, Madison, Guilford, Branford, North Branford,Hamden, Northford and Wallingford. Give us a call today.

Sandra L Cummings
Realtor®

William Raveis Real Estate - Real Estate for Real People
21 Whitfield Street
Guilford, CT 06437
phone - 203-672-2456
cell - 203-676-5948
Sandra@CummingsTeam.com
Connecticut Real Estate

Subscribe in a reader

Subscribe to The Shoreline Blogger - Sandra Cummings by Email

 

 

 

 

 

 

 

 

 

18 comments • Guilford Connecticut Real Estate Agent, Sandra Cummings • February 04 2009 05:54PM

80 Glen Haven Road, New Haven, CT 06516**Open House**Sunday, February 7, 2009**1-3 pm

Open House - February 7, 2009 12-3 pm

80 Glen Haven Road, New Haven , CT 06516 View Map

Open House

Sunday February 7, 2009

12 to 3 pm


Quaint 3 bedroom, 1 bath Cape located near the North Haven Town Line. Living with Bay Window. First Floor Master Bedroom with Ceiling Fan. Cozy Kitchen with Laminate Flooring. Large deck over looking landscaped yard. Fantastic views. Perfect starter home or for someone looking to down size.

Details

Asking Price:
$185,300.00
MLS:
M9113383
Sq. Feet:
1149
Lot Size:
0.20
Bedrooms:
3
Bathrooms:
1
# of Floors:
2
Garage Size:
None
Year Built:
1952

Property Amenities

    - Range/Oven
    - Full Refrigerator
    - Washer/Dryer
    - Deck
    - Tool Shed

Contact Info

Sandra Cummings
Realtor



Dir 203-676-5948
Email


___________________________________________________________________________________________

If you are thinking about putting your home on the market, now is the time! Contact The Cummings Team! Let me show you what we can do to market your home. We cover New Haven Counties and the Shoreline Communites, including North Haven, Madison, Guilford, Branford, North Branford,Hamden, Northford and Wallingford. Give us a call today.

Sandra L Cummings
Realtor®

William Raveis Real Estate - Real Estate for Real People
21 Whitfield Street
Guilford, CT 06437
phone - 203-672-2456
cell - 203-676-5948
Sandra@CummingsTeam.com
Connecticut Real Estate

Subscribe in a reader

Subscribe to The Shoreline Blogger - Sandra Cummings by Email

7 comments • Guilford Connecticut Real Estate Agent, Sandra Cummings • February 02 2009 02:12PM

Florida Get Away and Meeting Friends

 

What I love most about Active Rain is the friends I have made here, and this past week Dan and I had the pleasure of finally meeting some members we have gotten close to since joining. We usually don't get down to Florida very often but when Dan had a chance to run the ING marathon in Miami, we jumped at the opportunity to escape the cold and snow of Connecticut to relax in the Florida sunshine.

 

Susie Roscoe and Sandra Cummings-2009The trip down to Orlando was a bit stressful and we weren't even sure if our luggage would be there when we arrived. But my spirits where soon lifted, for as soon as we reached the baggage claim area, there stood Marc Grossman. He came all the way out to the airport to meet us. Marc help us get our stuff and navigate our way through the airport to pick up our car. I think I would have gotten lost without him. He is such a doll! Marc will always have a special place in my heart for driving all the way there to meet with us. And I regret I was so flustered from our flight I didn't even get a picture of us together.

A few days later we made plans to meet Susie Roscoe for breakfast in Orlando, where she promise not to have syrup dripping off her chin and chew with her mouth open. Susie has not been as active on the rain lately, just pops on now and then to check in on her friends. However she has been raising havoc over on facebook. She has a wicked sense of humor and the two of us had tons of fun ganging up on Dan. She had us in stitches with her many stories, and now has me terrified of swimming in any lake in Florida. The time flew by and before I realized it we had to go. I'm hoping one day soon, Susie will pack up the car for a quick road trip to Connecticut.

 

Our next stop was to meet My Inna and her wonderful hubby Jon. What can I say about My Inna. Especially, The Crazy Russiansince the first thing out of her mouth is I don't look anything like my picture. ugh. She did redeem herself (I think) by saying the picture makes me look 25 lbs heavier. Then she tries to get me to eat oysters! Oysters! I don't care if they are an aphrodisiac I'm not eating them. The only thing that saved me from this fate worse than death was the fact that they didn't have them on the menu. We just had so much fun with Inna and Jon, I was sorry to see the evening end.

 

Last, but in the no way least, we got to meet with Neal "The Real Deal" Bloom over lunch on our way to Miami.  And as Neal said in his post "Neal and I are sort of close but have never meet before". (I'm not going to let Neal live that line down). We almost weren't able to get together, because deep down I think he was afraid to meet me. <<kidding, kidding>> No, really, Neal was incredibly busy, but was able to rearrange his schedule and meet us.  Neal is just like he is on here. He is funny and nice. Knows his stuff. A very impressive guy. Another than Neal trying to talk me into doing the week in review we had a great time.

Everyone we met in Florida had to go out of their way to met us. Rearrange schedules, drive long distances, and we are grateful that our friends would go to such lenghts to see us.

Active Rain is truly an unique community where it's members care about one another, and will go out of their way to reach out and help each other. So if you every have the opportunity to meet another member of the active rain community, go for it, you won't be disappointed. I will end the adventure here and let Dan continue with our experiences in Miami on his post.

Dan Cummings, Neal Bloom, Sandra Cummings

 

 

 

 

 

 

 

 

 

 

 

 

 

 

If you are thinking about putting your home on the market, now is the time! Contact The Cummings Team! Let me show you what we can do to market your home. We cover New Haven Counties and the Shoreline Communites, including North Haven, Madison, Guilford, Branford, North Branford,Hamden, Northford and Wallingford. Give us a call today.

Sandra L Cummings
Realtor®

William Raveis Real Estate - Real Estate for Real People
21 Whitfield Street
Guilford, CT 06437
phone - 203-672-2456
cell - 203-676-5948
Sandra@CummingsTeam.com
Guilford Real Estate

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16 comments • Guilford Connecticut Real Estate Agent, Sandra Cummings • January 30 2009 01:35PM