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Mortgage Rate Update

Thu, 19 Jun 2008 16:57:32 GMT

Southport, CT
203-310-2311
Events

MORTGAGE RATE UPDATE:

30 Yr. Fixed (up to $417,000) 6.375%

30 Yr. Jumbo (up to $1,000,000)* 6.50%

5/1 ARM (up to $1,000,000) 5.75%

7/1 ARM (up to $1,000,000) 6.125%

10/1 ARM (up to $1,000,000) 6.25%

* Call for rate quote up to $3MM

Jeannie Devaney
Independent Morgtgage Company - SERVING CT & NY SINCE 1985
1809 Black Rock Turnpike
Fairfield, CT 06825

WORK (203) 333-7407
FAX (203) 333-0635

E-MAIL
jeannie@independentmtg.com

Sailing Program for Children

Wed, 07 May 2008 15:32:19 GMT

Southport, CT
203-310-2311
Events

For children 9 years old to 11 years old, learning to sail in an Optimist is a great way to spend the summer.

The Pequot Junior Sailing Program in Southport, CT has openings for beginner sailors in the Optimist Dinghy program. Please review the registration materials on line at www.pequotyc.com. Click on "Juniors"on the left hand side to find the information.

The program starts Monday, June 23rd and runs for either 4 weeks or 8 weeks. Please contact the Junior Program

Chairperson at 203-255-5740 X21 about sponsorship information. See you on the water!!

Fairfield Housing Inventory

Mon, 21 Apr 2008 15:50:26 GMT

Southport, CT
203-310-2311
Events

There are 517 Single Family Homes for sale in the town of Fairfield. The breakdown in the different price points is as follows:

There are 104 homes for sale (or 20% of total homes) in the price range of $0 to $500,000

There are 231 homes for sale (or 45% of total homes) in the price range of $500,000 to $999,000.

There are 123 homes for sale (or 24% of total homes) in the price range of $1,000,000 to $1,999,000.

There are 56 homes for sale (or 11% of total homes) in the price range above $2,000,000.

Stay tuned for more facts on the Real Estate Market.

Mortgage Rates

Fri, 04 Apr 2008 04:46:16 GMT

Southport, CT
203-310-2311
Events

MORTGAGE RATE UPDATE:

30 Yr. Fixed (up to $417,000) 5.875%

30 Yr. Fixed (up to $750,000) 6.125%

30 Yr. Fixed (up to $1,000,000) 6.25%

5/1 ARM (up to $1,000,000) 5.125% (Fixed Payment First 5 Years)

10/1 ARM (up to $1,000,000) 5.75% (Fixed Payment First 10 Years)

HELOC (Home Equity Line of Credit) 4.24% ($150,000 - $500,000)

All of the above rate quotes are with No Points.

NEW CONSTRUCTION, INTEREST-ONLY LOANS, REVERSE MORTGAGES, PRE-APPROVALS, TOP-NOTCH CUSTOMER SERVICE ... call today for additional information.

Jeannie Devaney

Independent Mortgage Company - Serving Connecticut and New York since 1985

1809 Black Rock Turnpike, Fairfield

333-7407

email: jeannie@independentmtg.com

Mortgage Rate Improvement

Fri, 07 Mar 2008 14:37:09 GMT

Southport, CT
203-310-2311
Events

MORTGAGE RATE UPDATE:

30 YR. FIXED CONFORMING (up to $417,000) 5.875%

30 YR. FIXED JUMBO (up to $750,000) 6.125%

30 YR. FIXED JUMBO (up to $1,000,000) 6.25%

3/1 ARM (up to $1,000,000) 4.875%

5/1 ARM (up to $750,000) 5.125%

5/1 ARM (up to $1,000,000) 5.375%

All of the above rate quotes are with NO POINTS.

PURCHASE ... REFINANCE ... HOME EQUITY (PRIME - 1.01) ... CONSTRUCTION LOANS ...

PRE-APPROVALS ... INTEREST-ONLY ... REVERSE MORTGAGE ... Call today for details.

Jeannie Devaney

Independent Mortgage Co. - SERVING CT & NY SINCE 1985

1809 Black Rock Tpke, Fairfield

333-7407

email: jeannie@independentmtg.com

Daylight Savings Time-Clocks Spring Forward

Fri, 07 Mar 2008 14:35:21 GMT

Southport, CT
203-310-2311
Events

Remeber on Sunday morning, March 9th, at 2 a.m. we set our clocks ahead by one hour for Daylight Savings Time. Yes, we do lose an hour! The next time change will be Sunday morning, November 2nd, when we "Fall back" one hour.

Mortgage Rate Update

Thu, 24 Jan 2008 18:09:52 GMT

Southport, CT
203-310-2311
Events

MORTGAGE RATE UPDATE:

Up to $417,000

15 Year Fixed 5.125%

30 Year Fixed 5.625%

Up to $1,000,000

5/1 ARM 5.375%

7/1 ARM 5.50%

10/1 ARM 5.625%

30 Year Fixed 6.0%

GET PRE-APPROVED BEFORE HOUSE-HUNTING ... IT MAKES NEGOTIATING SO MUCH EASIER FOR ALL!!! Call for additional information.

Best regards,

Jeannie Devaney

Independent Mortgage Company - SERVING CONNECTICUT & NEW YORK SINCE 1985

1809 Black Rock Tpke, Fairfield

333-7407

email: jeannie@independentmtg.com

Junior Sailing Association of Long Island Sound

Thu, 03 Jan 2008 17:23:07 GMT

Southport, CT
203-310-2311
Events

Fairfield Resident Pam Toner Elected to Board of Long Island Sound Sailing Group

FAIRFIELD, CT (December 26, 2007) -- Longtime Fairfield resident Pam Toner has been elected to the board of the Junior Sailing Association of Long Island Sound (JSA).

Toner will serve a three-year term for the JSA, an organization that supports educational programs for recreational and competitive sailors at all skills levels. JSA of Long Island provides support and training for the 44 member clubs in Connecticut and New York that encourage young people to enjoy sailing and small boat racing.

Toner works as a Realtor in the Southport office of Prudential Connecticut Realty. Toner, an exceptional properties specialist serving the communities of Fairfield, Easton, Westport and Weston, believes that every home search should reflect homebuyers’ lifestyle preferences, whether that includes recreational and entertainment amenities, cultural outlets, educational facilities or commuting considerations.

When not working to match clients’ homes with their lifestyle, Toner devotes herself as a volunteer for a wide range of organizations that also include Near and Far Aid, the Fairfield County Hunt Club, Pequot Yacht Club, St. Thomas School and Convent of the Sacred Heart.

Mortgage Rates Update

Thu, 03 Jan 2008 17:15:50 GMT

Southport, CT
203-310-2311
Events

MORTGAGE RATE UPDATE:

Up to $417,000 loan size:

15 Yr. Fixed 5.25%

30 Yr. Fixed 5.75%

Up to $750,000 loan size:

30 Yr. Fixed 6.125%

Up to $1,000,000 loan size:

5/1 ARM 5.50%

10/1 ARM 6.0%

30 Yr. Fixed 6.375% All of the above rate quotes are with NO POINTS.

GET PRE-APPROVED BEFORE YOU SHOP FOR A HOME ... SUBJECT ONLY TO THE PROPERTY APPRAISAL!! IT'S SO EASY!! CALL FOR DETAILS.

Jeannie Devaney

Independent Mortgage Company - SERVING CONNECTICUT & NEW YORK SINCE 1985

1809 Black Rock Tpke, Fairfield

203-333-7407

Mortgage Rates as of Dec. 4, 2007

Tue, 04 Dec 2007 23:41:03 GMT

Southport, CT
203-310-2311
Events

CONNECTICUT HOME MORTGAGE
CURRENT RATES AS OF 12/4/07 2:00PM

30 YEAR FIXED COVENTIONAL
CREDIT SCORE 680 AND ABOVE
MAXIMUM LOAN AMOUNT $417,000.00


FULL DOC.				5.750%

STATED INCOME STATED ASSETS				6.000%

NO RATIO				9.000%

NO DOC.				9.500%


JUMBO LOANS $417,000.00 TO $1,000,000.00

30 YEAR FIXED				6.375%

30 YEAR INTERWST ONLY				6.625%

10/1 ARM				6.000%

10/1 ARM INTEREST ONLY				6.250%

5/1 ARM				5.750%

3/1 ARM				5.625%


NOTE: NO POINTS NO ORIGINATION

Todd M. Ryder, CMPS
Sr. Financial Consultant

Certified Mortgage Planning Specialist
Connecticut Home Mortgage
Two Corporate Drive
Shelton, Connecticut 06484
(203) 767-3349
tryder@cthm.com
The Service you expect...

he Performance you deserve...

Mortgage Rate Update

Mon, 22 Oct 2007 15:12:11 GMT

Southport, CT
203-310-2311
Events

MORTGAGE RATE UPDATE:

Up to $417,000 loan size:

15 Yr. Fixed 5.875%, with 0 points

30 Yr. Fixed 6.125%, with 0 points

Up to $1,000,000 loan size:

5/1 Yr. ARM 5.875% (Fixed monthly payment first 5 years), with 0 points

10/1 Yr. ARM 6.375% (Fixed monthly payment first 10 years), with 0 points

30 Yr. Fixed 6.625%, with 0 points

Please contact me for additional information. Have a great week!

Regards,

Jeannie Devaney

Independent Mortgage - SERVING CONNECTICUT & NEW YORK SINCE 1985

1809 Black Rock Tpke.

Fairfield

333-7407

Yellowstone Club at Sea at the DELAMAR

Sat, 20 Oct 2007 02:18:17 GMT

Greenwich, CT
203-310-2311
Events

The Motor Yacht, "Caribbean Sparkle", will be docked ath DELAMAR Greenwich Harbor and North Cove Marina-Battery Park where they plan to spend 2 days at each location entertaining and sharing Yellowstone Club with as many Members and prospective members as possible. The cocktail reception includes fine beverages, hors d'oeuvres, and a touch of Montana, as live piano melodies Montana local and Yellowstone Club musician, Bob Britten will be featured. Please join the Yellowstone Club on Saturday, October 20, 2207 from 2:00pm to 6:00pm at the DELAMAR and at North Cove Marina-Battery Park on Monday, October 22, 2007 and Tuesday, October 23, 2007 from 5:00pm to 7:00pm. r.s.v.p. Erin Bischof at 406-995-4900 or erin.bischof@yellowstoneclub.com.

Mortgage Rates Update

Sun, 30 Sep 2007 16:19:29 GMT

Southport, CT
203-310-2311
Events

MORTGAGE RATE UPDATE:

30 Yr. Fixed, up to $417,000 6.375%

5/1 ARM, up to $1,000,000 5.875% Fixed payment first 5 years

10/1 ARM, up to $1,000,000 6.375% Fixed payment first 10 years - THIS IS A PHENOMENAL

RATE FOR JUMBOS!

These are all with No Points.

PURCHASE, REFINANCE, INTEREST ONLY LOANS, JUMBO LOANS, PRE-APPROVALS, HOME IMPROVEMENT LOANS... JUST A FEW EXAMPLES OF WHAT WE DO ...

Jeannie Devaney

Independent Mortgage Company - Serving Connecticut & New York since 1985

1809 Black Rock Tpke, Fairfield

333-7407

RBS Greenwich Capital Near & Far Aid Golf Classic

Wed, 26 Sep 2007 14:35:50 GMT

Southport, CT
203-310-2311
Events

The Near & Far Aid/RBS Greenwich Capital Golf Classic was held under sunny, clear blue skies on what is arguably the finest golf course in the state, the Country Club of Fairfield. There were 120 golfers sponsoring the Near & Far Aid mission of finding and funding of programs which address the causes and effects of poverty including: lack of education, homelessness, hunger, domestic abuse, substance abuse, mental illnes and disability, teen pregnancy, crime, psycho-social issues, availability of health care, access to information and select other categories.

In addition to the Title Sponsor, RBS Greenwich Capital, the presenting sponsors included TOMRA and First Brokers Securities. Perkins Fund Marketing sponsored the Cocktail Party. Jeffrey Earls kept our auction lively and raised a record-breaking amount of funds for the After School programs in Bridgeport. Porsche of Fairfield, the primary car sponsor, donated a 2-week lease for a Porsche Cayman for the golfer who was closest to the pin on Hole 17. A Porsche 911 was the prize for a Hole in One on Hole 11th. Unfortunately, there were no winners in this category. Land Rover of Milford, the Presenting Car Sponsor, donated a 2-week for a Land Rover which will be used to drive the auction winners of a Fighter Pilot for a day to the airport.

Real Estate Market Snapshot

Wed, 26 Sep 2007 14:13:21 GMT

Southport, CT
203-310-2311
Events

A snapshot of the Real Estate Market in Fairfield shows consistent sales volume. We have seen a 25% increase in the total number of housing units sold to date (September 15th) and a 33% increase in the dollar volume of homes sold. The differential between the list price and the sold price remains steady at 97%. How can that be when it really seems that buyers are getting really good "deals" on homes? The reality is that buyers are waiting for the sellers to drop the price before they make an offer. When the seller's price gets within a 10% range of what the buyer thinks the home is worth, the buyer will start bidding. In some cases, multiple offers are coming in. Pricing a home accurately is the single most effective tool in selling a home.

What does the future of the real estate market look like? We watch the number of homes with binders (agreed upon sale price but finalizing inspection) and the number of homes under contract. This snapshot of the market shows only 26 homes with a binder or agreed upon deal compared to 2006 when there were over 60 outstanding binders. The number of homes under contract is only 60 down from over 100 last year. These numbers indicate a slower fall real estate market.

Mortgage Rate Update

Thu, 20 Sep 2007 18:30:49 GMT

Southport, CT
203-310-2311
Events

MORTGAGE RATE UPDATE:

30 Yr. Fixed (up to $417,000) 6.25%

15 Yr. Fixed (up to $417,000) 6.0%

5/1 ARM (up to $1MM) 5.875% Fixed payment first 5 years

10/1 ARM (up to $1MM) 6.375% Fixed payment first 10 years

(all of the above are with no points)

Home Equity Line of Credit 6.74% ($150,000 - $500,000)

(HELOC) -- PRIME RATE LOWERED .50% ---

Call today for additional information.

Best regards,

Jeannie Devaney

Independent Mortgage Company - SERVING CONNECTICUT & NEW YORK SINCE 1985

1809 Black Rock Tpke, Fairfield

333-7407

Near & Far Aid RBS Greenwich Capital Golf Classic

Sat, 15 Sep 2007 02:52:38 GMT

Southport, CT
203-310-2311
Events

The Near & Far Aid Association is holding the 8th annual Golf Classic sponsored by RBS Greenwich Capital on Monday, September 24, 2007 at the Country Club of Fairfield. The money raised from this event has helped alleivate the after school program crisis in Bridgeport when Federal Funds for these programs evaporated. 30 Foursomes will hit the links at 12:30pm and they will return to cocktails and a light supper followed by LIVE and Silent Auctions. Highlights of the auction include 4 days and 3 nights at the exclusive Yellowstone Club in Big Sky, Montana, A round of golf at Sankaty Head in Nantucket with airfare, and a Fighter Pilot and Dogfight for two. For more information, please go to the website at www.nearandfar.org.

Mortgage Market Impact

Fri, 17 Aug 2007 17:11:34 GMT

Southport, CT
203-310-2311
Events

The mortgage market changes, of course, impact the residential real estate market. In the immediate term, home sellers will have to be more creative in the sale of their homes. In addition to price reductions, sellers will offer their homes for rent as well as for sale. If possible, sellers will consider offering financing to buyers. Buyers will have to demonstrate reliable financing to sellers. In many cases, the amount of financing available to buyers will be less as debt to loan ratios tighten. The real estate market will adjust to the new financing hurdles, but not without some short-term challenges.

Mortgage Rates

Thu, 09 Aug 2007 19:50:49 GMT

Southport, CT
203-310-2311
Events

MORTGAGE RATE UPDATE:

30 Year Fixed, up to $417,000 6.375%, with no points

15 Year Fixed, up to $417,000 6.125%, with no points

30 Year Fixed Jumbo, up to $1MM 6.625%, with no points

5/1 Yr ARM, up to $1MM 6.0%, with no points

HELOC 7.24% (Prime minus 1.01%; for loan amounts $150,000 - $500,000)

(Home Equity Line of Credit)

Information provided by:

Jeannie Devaney

Independent Mortgage Company

1809 Black Rock Tpke., Fairfield

333-7407

Fairfield Market Update

Sat, 04 Aug 2007 20:06:53 GMT

Southport, CT
203-310-2311
Events

Market Update for Fairfield: How is the market?

The accurate answer to that question must be based on facts and just the facts. Comparing the 2nd quarter of 2007 to the 2nd quarter of 2006, there is good news for the homeowners of Fairfield. In 2006 there were 192 single family home sales and in 2007 there were 253--an increase of 61 more sales. The average sale in 2006 was $857,193 and this average sale in 2007 is $891,835--a 37.1% increase.

There are currently 467 single family homes for sale in Fairfield, plus 55 homes that have accepted offers and an additional 109 homes that are under contract for sale.

According to these numbers, the real estate market in Fairfield is active which translates to good!