Mortgage and Lending
George Souto
Mortgage Loan Originator who can assist you with all your mortgage & refinancing needs in CT, & RI, & a FL 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 Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
Waterbury CT June 5, 2023 Housing Trends for Zip Code 06708The 06708 Zip code encompasses the west side of Waterbury with 4 neighborhoods known as Brooklyn, Town Plot, Lower and Upper Bunker Hill. It is also the largest zip code in Waterbury. There are currently 8 active listings in the 06708 zip code with the average value of the homes for sale in Waterbury's 06708 zip code available for sale is $384,088 with average days in market of 58.  This is down from the 16 active listings for the month of May 2023 and the average sales price of  $315,338.This demonstrates that in a 30 day span, inventory decreased by 50% while values appreciated by 18%. The 06708 Zip code of Waterbury, or West Side is a very active market for real estate.There are also currently 32 homes under pending/show stat...
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By Westchester Modular Homes Inc, Serving NY, NJ, PA, CT, NH, RI, MA, VT & ME
(Westchester Modular Homes Inc)
LIVE VIRTUAL FACTORY TOUR & WEBINAR moderated by Westchester Modular Homes... go to https://vt-sign-up.com to reserve your spot...You'll learn virtually about the entire custom modular homes design & construction process... you'll virtually tour model homes... there will be a Q & A session at the end of the tour... Reserve your spot @ https://vt-sign-up.com today...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
Friday Flags in Prospect CT June 2023+While sitting at the computer reading the blogs this morning, I realized that I didn't have a flag to post for Friday. Not a problem, as I only had to look out the window to see a possibility.To the left of the front stoop is the UConn banner. I am a 1971 graduate and proud of the school and the teams. It is standing atop the red dwarf maple that adorns the right side of the stoop.On the opposite side of the front porch is our country's flag. It is always out there, no disrespect intended.I have flown the flag ever since I moved into my first home in 1978, as a matter of pride in my country and for the service I gave it.I will keep a sharper eye this week to find a business that shares the sentiments.There is always the main streets through Prospect...
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By Westchester Modular Homes Inc, Serving NY, NJ, PA, CT, NH, RI, MA, VT & ME
(Westchester Modular Homes Inc)
In-person on-location Westchester Modular Homes factory tours are back and the next one is this coming Saturday June 3rd at our factory in Wingdale, NY. Use the sign up link https://www.wmh-factory-tour.com/ to reserve your tour time slot!See for yourself how we can help you design and build your custom premium modular home at less expense than a traditionally built home... much faster, more sustainably, solid, stylish and fully customized to your needs and wants... any size, style and layout!
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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 April 2023Cheshire is a town in New Haven County offering a high quality of life. It has a population of app 29,000. It offers an easy commute to New Haven CT of 14 miles; it borders Waterbury CT and is just 25 miles south of Hartford, the state capital. Currently in Cheshire CT there are 16 active residential listings for sale. They range from a 1,598 square ft, 4-bedroom cape listed at $349,900 to a 4,015 square ft, 5-bedroom new construction colonial listed at $1,148,290. The average list price of the homes currently available for sale in Cheshire CT is $746,712. The average days on market for these homes is 58 days.  Search for Homes in Cheshire CTThere are currently 20 homes under pending status and 34 under hard contract in C...
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By George Souto, Your Connecticut Mortgage Expert
(George Souto NMLS #65149 FHA, CHFA, VA Mortgages)
I am a little last minute with my entry into this month's ActiveRain challenge hosted by Debe Maxwell, CRS titled "May 2023 Challenge - Shower Power: Flaunt Your Fabulous Blooms Brought to Life by April Showers." The perennial  flowers my wife and I  plant are mainly early blooming plants.  They pop up late in March, and continue to grow through most of April, but then they are gone by the time May rolls around.  The front of our house is normally covered with various types of daffodils as you can see in the picture to the right.  You can also see the remnants of the daffodils in the feature photo above. Also at the same time the azalea bush I have in the back of the house is also in full bloom, and it tends to keep its flowers into early May.  This one will produce flowers again in the...
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By Michael Riccio
(Michael Riccio)
https://www.calcagni.com/calcagni-real-estate-announces-new-construction-listing-with-sweeping-water-views-of-old-saybrook/
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
April 2023 Real Estate Market Statistics for Watertown CT Watertown CT is a town in Southeastern Litchfield County, Connecticut.  The ZIP codes for Watertown are 06795 (for most of the town) and 06779 (for the Oakville section). It is a suburb of Waterbury, CT.  It's population is app 23,000 and has a town manager form of government.   It occupies an area of 29.5 sq miles.  It is also a gateway to Litchfield county along the eastern end. Currently in Watertown CT there are 19 active residential listings for sale. The homes for sale in Watertown CT range from an 672 square ft, 2-bedroom ranch listed at $235,000 to a 5,607 square ft, 5-bedroom, colonial listed at $1,500,000.  Search for Homes in Watertown CTThe average list price of the homes currently available for sale in Watertown CT i...
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By George Souto, Your Connecticut Mortgage Expert
(George Souto NMLS #65149 FHA, CHFA, VA Mortgages)
Today is 2023 Memorial Day In Middletown, CT.  Memorial Day is a day our Country has set aside to honor the fallen men and women who have served in our Armed Forces, and put their lives on the line to ensure the freedoms we have.Memorial Day has also become a time where families get together for picnics and family fun.  Some may even attend a local parades or participate in one.  Whatever you do today I hope a part of the day is spent on reflecting upon the meaning of this day, and those who we honor.  For many today will involve traveling a fair distance to be with family and friends.  So my annual messages has become the one above, and hope today will be a day free of accidents and loss of lives.  I Hope Everyone Has A Safe AndEnjoyable 2023 Memorial Day!!! 
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
Greater Waterbury CT Memorial Day EventsAs a weekend of festivities are in full flow, and to remember the brave men and women that gave their lives for our country, below are some events in the Greater Waterbury area for people to enjoy and participate.SundayWATERBURY: Parade will start on Freight Street at 1 p.m. and conclude in front of the Elks Lodge on West Main Street followed by ceremonies on the Green. The parade route will start on Freight Street, east on Grand Street, north on Bank Street, west on the south side of the Green on West Main Street and pass the Elks Lodge to Meadow Street, where the parade will end. Ceremonies on the Green will start after the parade. Waterbury Veterans Memorial Committee will host its annual Memorial Day patriotic services at 2 p.m. at the Green. ...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
Friday Flags A Memorial in Oakville CTOur jobs are dependent on our driving round to see house with our clients. In doing so we pass so many places that can carry a memory or excite a new one.While making my weekly stop to one of my vacant listings, I pass a corner site that is currently a brownfield, but at one time was a large manufacturing space. employing many people around the clock.While the space is fenced off and just an expanse of green, on the front corner, stands a memorial that is an honor roll:Dedicated to the Honor and Sacrifice to those men and women who served our country in World War II.And just adjacent to this memorial is our nation's flag, as a reminder of the cost of freedom.This Friday Flags is appropriate for showing our country's colors, but also on a Memorial Da...
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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 April 2023Wolcott CT is a town bordered by Bristol and Southington in Hartford county, and Waterbury in New Haven county. It is primarily a suburban town located 80 miles from New York City with a commute of 20 miles to Hartford and 30 miles to New Haven. Only slightly greater than 50% of the towns land is developed as residential housing and commercial, light industrial businesses.Currently in Wolcott CT there are 19 active residential listings for sale. The homes for sale in Wolcott CT range from a 1,300 square ft, 4-bedroom ranch listed at $219,000 to a 4,681 square ft, 6-bedroom colonial listed at $1,100,000.  Search for Homes in Wolcott CT The average list price of the homes currently available for sale in Wolcott CT is $464,459. The average days o...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
Friday Flags in Waterbury CT 06706As I was approaching the hill leading to the 9th green at the East Mountain golf course, I looked up to see the flag billowing in the breeze that had caused havoc with the golf ball all morning.The billowing of this flag was far more appreciated than the wind effect on the ball in flight or as rolling across the greens.We enjoy so many freedoms and me especially when my wife gives me permission to play a little golf.Friday Flags in Waterbury CT 06706
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
April 2023 Real Estate Sales Report for Waterbury CTWhat’s My Waterbury CT Home’s Value April 2023Waterbury CT is the second largest town in New Haven County with a population of app115,000. It is 33 miles southwest of Hartford, 25 miles north of New Haven and 77 miles northwest of New York City. The larger factories that once dominated the Connecticut manufacturing economy are no longer in Waterbury, essentially changing form the brass mills they used for raw materials and converting to cheaper and lighter aluminum or plastic. Currently in Waterbury CT there are 63 active residential listings for sale. The homes for sale in Waterbury CT range from a 1,168 square ft, 3-bedroom half duplex listed at $161,500 to a 4,042 square ft, 5-bedroom  colonial listed at $775,000. These listings are...
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By George Souto, Your Connecticut Mortgage Expert
(George Souto NMLS #65149 FHA, CHFA, VA Mortgages)
It is a special day anytime we get to honor our mother's and thank them for all they do.  My mother passed away 15 years ago, so I can no longer get to thank her personally for everything she did for me, but I do get to thank my wife today for everything she has done for our two sons.  This is a day she gets to be treated like the queen she is, and shown how special she is to us. Happy Mother's Day 2023 to all Mother's, and I hope this was a special day for every Mother everywhere. 
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
Friday Flags in Waterbury CT 06705Earlie this week, I was passing through the East End of Waterbury, Zip code 06705.I had to pause in front of a cemetery as a long procession was entering.  The flag in front of the plot was fluttering in the breeze, and once I could I pulled into a lot to walk up and take a photo.There wasn't enough wind to make it unfurl completely but my patience was rewarded with this shot.How appropriate if the burial was for a veteran and the angels were honoring the departed as well.I am never too hurried to honor the flag for which I also served.Friday Flags in Waterbury CT 06705
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By George Souto, Your Connecticut Mortgage Expert
(George Souto NMLS #65149 FHA, CHFA, VA Mortgages)
Hot off the press FHFA has rescinded their new UNFAIR Loan Level Price Adjustments (LLPA's).  This is proof that when we stick together and make our voice heard, even the most deaf administration has to take notice.This was a very unfair increase in the LLPA's by the present administration which penalized responsible borrowers with excellent credit scores, at the expense of irresponsible borrowers with bad credit scores.  This was really a smoke and mirror attempt by the present administration, because all it was going to do was exhort more money from responsible borrowers, and do noting for irresponsible borrowers who would not be able to qualify for financing.This rescinding of the LLPA's was not because the present administration all of the sudden realized this was unfair, but becaus...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
51st Annual Mother's Day Greek Festival in Waterbury CT May 11-14Waterbury CT Mother's Day Greek Festival May 11-14 Sponsored by Holy Trinity Greek Orthodox Church937 Chase Parkway, Waterbury, CT 06708The tent is up, the chairs and tables are in, the booths and food cases are still empty, but when it starts on Thursday morning, all will be ready for the festivalCome and Enjoy authentic Greek food, entertainment and the fellowship of your friends and neighbors.There will be plants for sale, Greek delicacies, and beverages, dance demonstrations and for the willing, try your best at the ‘Zorba’ dance.The Festival Web Site offers the full menu and schedule of events.Some of the menu items included:Souvlaki, Greek shish kabobPastitsio, Baked layers of macaroni with seasoned beef, cheese and ...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
What Happened in The Prospect CT Real Estate Market Prospect April 2023?   Prospect CT is a town of App 10,000 residents located in New Haven County. It is bordered by Waterbury, Cheshire, Naugatuck and Bethany.  One noted by Money Magazine as one of the top 300 towns in the Nation, it has since adopted the title of Best small town in CT.It serves as a predominately residential community whose residents commute to the nearby towns.  It has a well recognized Regional school system shared with Beacon Falls CT.  It is also recognized as a well managed town with taxes under control.Search for homes in Prospect CTCurrently in Prospect CT there are 5 active residential listings for sale. The homes for sale in Prospect CT range from a 1,226 square ft, 3-bedroom split level, listed at $155,500 ...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
NAR Gets Active Opposing the LLPA'sIn the Zoom call last week, John Meussner encouraged all to get active in the push to get the LLPA's modified or repealed completely. His closing arguments were for all to let our local Congressman know the dissatisfaction with the LLPA's as well as reaching out to NAR to also get involved.As if on cue, the most recent publication from NAR, headlines the challenge of LLPA's and what they are doing to get attention to its unfairness to middle class borrowers.Briefly, an LLPA, Loan Level Pricing Adjustment is a poor attempt to lower the cost of a loan for people with less than perfect credit. It strives to subsidize loans for weaker borrowers by putting a levy on borrowers with exemplary credit.The reality is that weak borrowers will most likely be denie...
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By Ed Silva, Central CT Real Estate Broker Serving all equally
(Mapleridge Realty, CT 203-206-0754 )
Love Is In The Air in Prospect CT  Wordless WednesdayWhile sitting and working at my window spot, I noticed movement on the front lawn. I tried to focus on what it was and was pleasantly shocked to see some new wildlife make a visit.I caught this tom just before it dropped down to the neighbor's yard, and sat ad waited as I saw a couple others down there as well. There were 2 males and when they thought she was looking, they would spread their wings and tail feathers and make their calls to try and entice the one hen.They danced on that lawn for a while, and she seemed to be nonplussed by their actions. As couple of cars passed on the road and she waked across but not alone.She managed to stay away from both toms, and out of courtesy, I didn't follow them into the woods where she may ha...
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By Jon Sigler, Sigler Sold Another! 860-306-8029
(Coldwell Banker Realty)
Search current inventory of Terryville Houses for SaleListing DetailsTerryville 3 bedroom Home for Sale9 George Street, Plymouth (Terryville), CT 06786Price: $219,900.MLS number: 170566596Bedrooms: 3Bathrooms: 2Square Footage: 1190Call Jon Sigler at 860-306-8029 to see if this property is still available and arrange a showing. Welcome to Your Dream Home: A Cozy Oasis on a Private Cul-de-SacAs soon as you enter this charming home, you'll be surprised by the amount of space it offers. The gleaming hardwood floors flow throughout the house, leading you towards the inviting living room. What immediately catches your eye are the generous western-facing windows, which flood the room with an abundance of bright, natural light. During winter nights, you can cozy up next to the gas fireplace and...
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