Mortgage and Lending
George Souto
Mortgage Loan Officer with Allied Mortgage Group NMLS #1067, 100 Rosscommon Dr, Middletown, CT 06457, can assist you with mortgage & refinancing needs in CT, MA, NH, & FL, & a RI Licensed Lender.
Cell: (860) 573-1308
Office: (860) 573-1308
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Real Estate Agent
Ed Silva
I work hard to represent my selling or buying clients to get them their best deal. My primary market area is the Central Connecticut towns.
Cell: 203-206-0754
Office: 203-758-6440
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All About Connecticut Real Estate

By Grant Schneider, Your Coach Helping You Create Successful Outcomes
(Performance Development Strategies)
Growing up in the northeast, nothing was more a part of the fall season more than apple picking and choosing pumpkins. As more farms were closing it was hard to find a place where you could go. Fortunately, our daughter Ashley and son in law Tom found a farm and it is close to us. We are happy to have found Silverman’s Farm which is really close to us in Armonk, NY.If you like picking your own apples this is a great place to visit.  Until recently you could even watch them make apple cider out of your own apples.Right now at Silverman's you can pick apples for a while longer and also get your pumpkins. Silverman’s Farm was founded by Ben Silverman in the early 1920’s. Born in New York City in 1898, Ben grew up loving plants and enjoyed gardening. At the age of 18, he moved to Connecticu...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
The Colors Of Fall Are Coming 2While walking a few fairways this morning, I was distracted by the colors of some of the trees.  The shades are starting to emerge, and the colors are especially striking.The photo above was shot last week, but there are a lot of other trees trying to catch up now.  Over the next week there will be a much larger change and then there will be nothing but piles on the ground and bare trees.The colors are beautiful but short lived.The Colors Of Fall Are Coming 2
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
What’s My Wolcott CT Home’s Value September 2021Currently in Wolcott CT there are 39 active residential listings for sale, with 12 new listings being added in September. The homes for sale in Wolcott CT range from a 805 square ft, 2-bedroom cape ranch listed at $135,000 to a 9,747 square ft, 6-bedroom colonial listed at $1,399,000.Search for Homes in Wolcott CT The average list price of the homes currently available for sale in Wolcott CT is $424,103. The average days on market for these homes are 63 days.  There are currently 52 homes under contract in Wolcott CT.  In September 2021, 29 homes closed in Wolcott CT. They ranged from an 864 square ft, 2-bedroom ranch, which sold for $200,000 to a 3,566 square ft, 5-bedroom colonial that sold for $652,000. The average price for the closed ...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
Friday Humor:  The Sign Tells It As IsWhile showing houses this past week, I saw this sign on a front gate.  It said a lot in a few short words and carried a message that would be very easy to comprehend. I could see this as a compliment to another typical sign:Friday Humor:  The Sign Tells It As Is
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By Westchester Modular Homes Construction Corp, Westchester, Putnam, Rockland, Dutchess, Orange
(Westchester Modular Homes Construction Corp)
LIVE GUIDED INTERACTIVE VIRTUAL TOURS Register for the Live Virtual Factory Tour on Wednesday, November 3rd, 2021 @ 6:30 PM EST Experience a live virtual tour of our actual factory & models located at the factory, as well as custom homes that our customers have allowed us to shoot in 3D and share with you. If you are interested sign up at www.vt-sign-up.com What will you learn by attending the Live Virtual Factory Tour? The Benefits & Advantages of Modular Construction The Design Software & how you can take a 3D walkthrough of your home before its built 3D Tour of our Factory & Sample Homes Q & A Session after Presentation PLEASE NOTE : If you signed up for a live virtual tour and are unable to attend for some reason we will email you a recording of it. Please make sure when you sign up...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
Zoom Call With Christel Silver International SalesThe Zoom call this week was interesting as it was not only viewed by those in attendance, but as Christel was offering her presentation at a rest stop along Alligator Alley in Florida, people stopped to hear her 'podcast' as well.Christel Silver offered her presentation on doing business with International Clients as a novel niche.First in her slide presentations was an identification of an International Buyer:Type A:  Non US Citizens with permanent residences outside the US.Type B:  Resident Foreigners or Non US citizens who are  recent immigrants (less than 2 years at time of transaction) or non immigrant visa holders who reside for more than 6 months in the US for professional, educational, or other reasons. This can be a very lucrati...
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By Joe Petrowsky, Your Mortgage Consultant for Life
(Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709)
“Refinancing into a Conventional Loan” I believe it is time for me to refinance. The 3 family that I purchased about 2 years about has gone up in value based on what I am being told. As we discussed when I purchased the plan is to refinance out of my FHA loan and obtain a conventional loan. This property is giving be a positive cash flow of over $800 per month and I live rent free. I will not be looking to take any cash out.As we discussed a couple of years ago, my next step is to purchase a single family home and then use FHA again, with a minimum down payment. Does that still make sense for me?Let me know what you need, so that we can begin this process? All the best.  By the time this client rents her current unit, plus the positive cash flow, she will once again have enough cash flo...
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By George Souto, Your Connecticut Mortgage Expert
(George Souto NMLS #65149 FHA, CHFA, VA Mortgages)
Fall Has arrived in Connecticut, which means it is time for me to begin my Progression Of Fall Colors series I started Nine years ago.  This is a series I hoped to continue for many more years to come, and have been able to do so far. The first two years the pictures were of a farm which is only about a minute walk from my house.  Eight years ago I decided to change the location for the 2014 Progression Of Fall Color Series to a lake about 5 minutes from my house on RT17.  I tried that location for two years, but the colors were not as good as I expected them to be.  six years ago I decided to change locations again to a site on Lyman's Orchards in Middlefield, CT.  But once again that site did not produce the colors I had hoped for, so three year ago I decided to keep it simple and do ...
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By Joe Petrowsky, Your Mortgage Consultant for Life
(Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709)
“Strange for Sure” A lawyer named Strange passed away. His friend asked the tombstone maker to inscribe on his tombstone, "Here lies Strange, an honest man, and a lawyer."The inscriber insisted that such an inscription would be confusing, for a passerby would tend to think that three men were buried under the stone.However, he suggested an alternative. He would inscribe, "Here lies a man who was both honest and a lawyer."That way, whenever anyone walked by the tombstone and read it, they would be certain to remark, "That's Strange.” 
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By Eric L. Green, Your IRS Tax Litigator
(Tax Rep LLC)
Thrilled to announce that TAX REP LLC, in partnership with UConn School of Business is launching the IRS Representation Certificate Program this Friday the 22nd!This program includes five, four-hour modules for a total of 20 hours of learning.They are: IRS Collections Offers-in-Compromise Audits Resolving Payroll Tax Cases Innocent Spouse Access to the self-paced course begins on Friday, October 22 and is available through Wednesday, December 22. Check out more on the program here: https://online.uconn.edu/irs-certificate-program/... Included in each of the modules are exhibits to help you understand the processes addressed and familiarize you with IRS forms and correspondence. This will allow you to evaluate each situation and determine what needs to be done to help your client.If you ...
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By Joseph Orabona, Your defense against the IRS
(Vector Tax & Accounting LLC)
Each year, many taxpayers choose to prepare their own tax returns. This can be an easy way to save a few hundred dollars but, it’s important to watch out for common tax filing mistakes. Tax preparation software makes some errors like addition and subtraction blunders less likely, but even the best software cannot eliminate all potential problems and human error.  If you are getting ready to file your tax return, be sure to take a second (or third) look before you hit send. Keeping a close eye out for these common tax filing mistakes is the best way to ensure the IRS does not come knocking at your door. Note: If you do get in trouble with the IRS and they claim you owe $10,o00 or more, reach out to our tax resolution firm and we’ll schedule a free, no-obligation confidential consultation...
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By Joe Petrowsky, Your Mortgage Consultant for Life
(Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709)
“Mortgages on Properties being Rented Weekly” Hi Joe, I am in the process of buying a beach property that will be used as a weekly vacation rental. The owner of the property told me that you got him the mortgage when he purchased 4 years ago. He told me that you got him the mortgage and for exactly the same use. I have been to a number of banks and none of them would do a mortgage when the property is rented weekly. Can you get me this kind of mortgage as well?  Yes, we can do mortgages on properties being rented weekly, through AirBNB, HomeAway and VRBO. Revenues from Weekly rentals is becoming more mainstream each and every years. We are fortunate to have a couple of lenders that do them.
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
What’s My Cheshire CT Home Worth, Market Statistics for September 2021 Currently in Cheshire CT there are 37 active residential listings for sale. They range from a 1,176 square ft, 4-bedroom cape listed at $215,000 to a 5,025 square ft, 4-bedroom colonial listed at $1,350,000. The average list price of the homes currently available for sale in Cheshire CT is $577,630. The average days on market for these homes is 76 days. For the month of September, there were 8 new homes listed for sale in Cheshire CT.  Search for Homes in Cheshire CT There are currently 83 homes under contract in Cheshire CT, 29 of which went under contract in September. The average list price for the homes under contract is $533,762 with average days on market of 49 days.  In September 2021, 33 homes closed in Chesh...
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By George Souto, Your Connecticut Mortgage Expert
(George Souto NMLS #65149 FHA, CHFA, VA Mortgages)
Fall Has arrived in Connecticut, which means it is time for me to begin my Progression Of Fall Colors series I started Nine years ago.  This is a series I hoped to continue for many more years to come, and have been able to do so far. The first two years the pictures were of a farm which is only about a minute walk from my house.  Eight years ago I decided to change the location for the 2014 Progression Of Fall Color Series to a lake about 5 minutes from my house on RT17.  I tried that location for two years, but the colors were not as good as I expected them to be.  six years ago I decided to change locations again to a site on Lyman's Orchards in Middlefield, CT.  But once again that site did not produce the colors I had hoped for, so three year ago I decided to keep it simple and do ...
Comments 16
By Joe Petrowsky, Your Mortgage Consultant for Life
(Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709)
“Please Don’t Give Up” We are frustrated to say the least. We’re are beginning to think that purchasing a home in our price range is just not going to happen. You have been amazing our agent has been great, but home ownership for us might just not happen for us and we may need to just keep paying rent. We have just been notified that our rent is going up again, even though we always pay our rent on time, guess that doesn’t matter. Thank you for allowing me to vent, but we can’t just quit.  First time home buyers are having a very tough time finding homes to buy. Many are settling and compromising just to purchase. Other segments of the marketplace are not having an easy time either, but for first time home buyers are especially hard.  Continuing to pay rent is not an option, the goal of...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
Some Roadside Mechanics Take Too LongAs I was driving back from an appointment this week, I noticed an unusual site just off the roadway.The car was pulled far enough off the road, but evidently the repair was a little beyond his abilities as it appears he had been there for a while.His passengers were equally as frustrated.The car is a 1928 Ford Model A Woody Wagon.  Don't know the age of the mechanic or his passengers.Some Roadside Mechanics Take Too Long
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By Eric L. Green, Your IRS Tax Litigator
(Tax Rep LLC)
On this week’s podcast Eric discusses the realization of what it is to take extreme ownership in your practice, what happens when you don’t, and how to turn things around.  Eric quotes former navy seals Jocko Willink and talks about the espisode where Jocko joins Andy Stumpf on Andy's podcast Cleared Hot during the episode (Cleared Hot Episode 122).You can listen to the episode on Spotify, Google Podcasts, Apple Podcasts and ITunes, or at the Podcast Page here: https://taxrepllc.com/subscribe-tax-rep-network-podcast/ Looking for Jocko Willink's and Andy Stumpf's content?  Here are the links to get the book and listen in on their material, which is terrific:Extreme Ownership: Jocko Willink Ted Talk (link on YouTube)Extreme Ownership: How U.S. Navy Seals Lead and Win (at Amazon)Jocko Podc...
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By Jonathan Hall, Realtor - Danbury,CT Area Real Estate~203-417-0523
(William Pitt Sotheby's International Realty)
Jonathan Hall with William Pitt Sotheby's International Realty just sold this oversized bilevel home in Danbury's west side. Located at 38 Rolf Drive in Danbury  the home was being sold by my client whose parents built the property back in the 1970s and he bought it directly from them in the early 2000s so they could retire. Since his clients purchase, he completely revamped all the cosmetics to todays features.  . A well thought out addition in the middle 1980s allowed from an expanded separate dining room, an extra room in the basement and unlike several raised ranches, this home had windows along almost 4 walls in the basement, making it very bright & cheerful, almost like the main floor of the home.  The home featured a gourmet kitchen with granite counters, stainless steel applican...
Comments 4
By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
The Colors Of Fall Are ComingWe are into  very colorful time of year in Connecticut but there is no set schedule for it's arrival.  It's all based on the weather and with the amount of rain we have had this year, the colors should pop.For me, the colors seem to be just a bit brighter on a golf course, possibly because there is so much open grass area to allow the trees to stand out a bit more. Hopefully not hiding my ball as well.On this fairway, I took a photo Sunday afternoon of a tree stand trying to make a change.And after our Zoom call I met up with some friends to play a few holes and as if overnight a burst of color.While the day itself was sunny Tuesday vs an overcast sky on Sunday, it was still a beautiful sight.The added advantage for me as someone else would be raking these l...
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By Joe Petrowsky, Your Mortgage Consultant for Life
(Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709)
“Maybe 3-2-1?” On his 74th birthday, a man got a gift certificate from his wife. The certificate paid for a visit to a medicine man living on a nearby reservation who was rumored to have a wonderful cure for erectile dysfunction.After being persuaded, he drove to the reservation, handed his ticket to the medicine man, and wondered what he was in for.The old man slowly produced a potion, handed it to him, and with a grip on his shoulder warned, "This is a powerful medicine and it must be respected. You take only a teaspoonful and then say 1-2-3. When you do that, you will become more manly than you have ever been in your life and you can perform as long as you want."The man was delighted. As he walked away, he turned and asked, "How do I stop the medicine from working after I'm satisfied...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
What’s My Naugatuck CT Home Worth in September 2021 Currently in Naugatuck CT there are 40 active residential listings for sale, with 9 new listings being added in September. The homes for sale in Naugatuck CT range from a 560 square ft, 2-bedroom mobile home, listed at $45,900 to a 2,460 square ft, 4-bedroom ranch listed at $589,900.  Search for Homes in Naugatuck CT The average list price of the homes currently available for sale in Naugatuck CT is $257,805. The average days on market for these homes are 103 days. In addition, there are currently 44 homes under pending status and 34 under hard deposit Naugatuck CT, with 43 having gone under contract in September.  In September of 2021, 37 homes closed in Naugatuck CT. They ranged from a 784 square ft, 2-bedroom mobile home, which sold...
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By Jonathan Hall, Realtor - Danbury,CT Area Real Estate~203-417-0523
(William Pitt Sotheby's International Realty)
Jonathan Hall with William Pitt Sotheby's International Realty just  top floor unit at Brookside condominums in Danbury,CT.. Located at 7 Padanaram Rd #161  in Danbury, this 1 bedroom unit was in good condition. Updated with a newer white kitchen, hardwood flooring in the living room & dining room and a recent paint job, the unit was in turnkey condition. Owned a long-term local real estate investor, the property was marketed and sold to a new real estate investor starting off.  Located on the top floor of this building, the unit has ample parking nearby and a convenient path to the nearby North Street shopping center..The Brookside condominium project in Danbury,CT is a larger garden style apartment complex. With 258 homes, the complex is comprised of single level condominiums, either ...
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By Jonathan Hall, Realtor - Danbury,CT Area Real Estate~203-417-0523
(William Pitt Sotheby's International Realty)
Jonathan Hall of William Pitt Sotheby's International Realty recently had the privileges of marketing 2 lovely condominiums for rent in Danbury,CT. Both units were located in the Shelter Rock area of Danbury. -14 Paulding Terrace, Danbury CT 06810This 'Timber Oaks' unit offered 3000 square foot of living. This 3 bedroom, 2.5 bath unit included a separate home office and spacious finished walkout basement. Quality appointed throughout including an eat in kitchen, main level hardwood floors (just refinished), and luxury master bath. A corner unit,  this property has been a long term rental for landlord for many years. This property was marketed at $3600/month, and there were multiple qualified local applicants looking to take advantage of the great unit in the beautiful community. The pro...
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By Joe Petrowsky, Your Mortgage Consultant for Life
(Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709)
“Investment Property Market Very Strong” Good morning this is the property that I was talking to you about it Asking price is 380,000 however, it is worth more than they asking. They are now asking for the highest offer  and we will be 440,000. The property has two 1 bedroom apartments and it can be rented for $1500 each and the 3rd apartment is a 3 bedroom And it can be rented for $2500. Some painting and a little updating in the kitchen otherwise it's a great piece of property. Let me know your thoughts please, I will need you to do another investor cash flow mortgage, as before will be putting 20% down. As always, wish me luck, thank you Joe. In many markets and in this price range, 20% above asking price is not unusual, but with this kind of cash flow, it is understandable and the p...
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