Joe Kapell | Trumbull Real Estate, Monroe Real Estate, Fairfield Real Estate, Easton Real Estate


If you're in the market to buy your first home, you're probably experiencing a variety of emotions, ranging from excitement to trepidation. Owning your first home is a major accomplishment and lifestyle change, but it also brings with it a lot of responsibility. Not only will you have to make mortgage payments every month and pay property taxes on time, but you can no longer turn to your landlord when the furnace quits or your refrigerator dies. As former U.S. president Harry Truman once said, "The buck stops here."

Understanding Your Credit Rating

One thing you might want to become acquainted with before diving into a full-fledged house search is your credit report. Your credit score, as determined by the three major credit reporting companies, is a reflection of your ability and willingness to pay your bills on time. Banks and mortgage companies factor in this information when deciding whether to approve you for a loan. Your credit score also has an impact on the interest rate you're offered. Also called a "FICO" score, this scale ranges from a low of 300 points to a high of 800. The higher your score, the more desirable you're viewed as a potential loan customer.

If you'd like to find out where your credit score stands, you can get that information for free (once a year) from Equifax, Experian, and TransUnion. Unlike lenders, they don't take into account factors like income and length of employment. The main things they look at are payment history, amounts owed, and length of credit history. If your credit cards are maxed out or you've been late with payments, then that will lower your credit score and make it more difficult to obtain the most favorable interest rates and loan terms. Fortunately, there are a number of commonsense measures you can take to improve your credit score. Side note: Errors may occasionally crop up in your credit report, so it pays to review them on an annual basis and dispute erroneous or outdated information.

Steering Clear of Other Pitfalls

While buying your first home can seem like an intimidating process, an experienced real estate agent can guide you and make the journey a lot easier. A licensed agent can help you get the process rolling, keep you on track, and resolve problems. There are plenty of situations in life where going it alone is a viable strategy, but buying your first home is not necessarily one of them. By working with a real estate agent, you'll avoid unnecessary frustration, stress, and costly mistakes. You'll also stand a greater chance of finding just the right home for your needs, desired lifestyle, and budget.


56 Dover Street, Stratford, CT 06615  

Residential
$189,900
Price
6
Total Rooms
3
Bedrooms
2/1
Full/Half Baths
Great 3BR Raised Ranch starter home with 1.5 baths, hardwood floors and newer energy efficient tankless heating and hot water system. The large Family Room is adjacent to the eat-in Kitchen with newer SS appliances, laminate flooring and Dining area. The Master BR is spacious and the 2 additional family BR's are good size all with ceiling fans and HWD. The full bath has been completely remodeled. The lower level Family Rm also includes laminate flooring and an updated half bath. There is a large storage area that can be finished for additional square footage. The rear yard is fenced & level and the home is located close to highways, shopping and the train station.


30 Louis Street, Trumbull, CT 06611  

Residential
$379,900
Price
8
Total Rooms
3
Bedrooms
2/1
Full/Half Baths
Charming vintage Colonial in the Long Hill section of town with authentic details on a deep level lot. There are; arched doorways, french doors, hardwood floors, wide moldings, fireplace, bright Den surrounded by windows and a lovely cheerful 3-season Sun Rm perfect for relaxing. The well equipped Kitchen includes white cabinetry, double wall ovens, electric cooktop, double sink & unique built-in spice cabinet as well as small alcove for desk. The Dining Rm with chair rail is spacious with lots of natural light. The level, private back yard has a large patio perfect for entertaining along with a small brick patio as well. Upstairs, the MBR includes a small walk-in closet and the 2 additional BR's are light and bright. The hall bath has been remodeled w/pedestal sink and white subway tile surround. Don't miss the walk-up attic which can be an office, children's play room or 4th BR. The L/L has plenty of room for storage and the detached 2-car garage has extra room as well. Conveniently located close to shopping and restaurants, this charming home is move in ready.


41 East Dale Drive, Monroe, CT 06468  

Residential
$369,900
Price
8
Total Rooms
3
Bedrooms
3
Baths
This well maintained 3/4 BR Raised Ranch sits on a knoll on a quiet cul-de-sac street in lower Monroe with lots of privacy. The heart of any home is the Kitchen and this completely remodeled one won't disappoint. The lovely Kitchen has been opened up to the Dining Rm and features Maple cabinets, granite tops, SS appliances, tumbled marble backsplash, under cab lighting, breakfast bar and HDW floors with decorative inlay. There is access to the rear deck and private yard backed by woods. The main level includes the MBR w/full bath and 2 family BR's and laundry. The lower level Family Rm features a stone wood burning fireplace and newer carpeting. Also on this level is an Office or what can be used as the 4th BR with a full bath along side it. Access to the 2-car garage is also on this level. Updates include vinyl siding & windows, younger roof, C/A and a newer natural gas fired whole house generator on a pad. Great lower Monroe location close to Wolf Park and access to highways.



This listing recently sold for $242,900.

164 Hamilton Avenue, Stratford, CT 06615  

Residential
$242,900
Price
$242,900
Sale Price
4
Total Rooms
2
Bedrooms
3/1
Full/Half Baths
Tour the newly completed model home. Five remaining as construction continues on this new freestanding Condo Complex-"Hamilton Ave". The complex will include a total of 8 well appointed Town Homes featuring 2.5 baths, hardwood flooring, walk-in closets and modern upgraded Kitchens with granite counter tops and stainless steel appliances. There will be (6) 2-BR units with 1-car garages & (2) 3-BR units with 2-car garages. Still plenty of time to pick out your dream kitchen! This Stratford location provides easy access to highways and is close to shopping, restaurants, the Lordship beaches and within a mile of the train station.




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