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If you are looking for a Buckley School area home for sale 58 Bretton Rd is a great choice.  If you are looking for a Buckley School area home you already know how great a school it is.  You now need to find a great home for sale in the area.  58 Bretton Rd is less than a mile from the school and offers 3 bedrooms and 2 full baths and lots of great updating make it move in ready.

This Buckley School Area Home For Sale in Manchester CT has almost a total of 1642 square feet of living space (including the finished lower level).   The roomy and flat fully fenced yard has plenty of space for outside play.  A great paver patio perfect for outside entertaining.   Keep all of your tools in your Kloter Farms shed!

This Buckley School area home offers an open floor plan, wonderful arched dorways, and hardwood floors.  Enjoy a night in with a fire in the wood buring fireplace.  Newer roof, windows, furnace and paint will all help keep maintenance costs down and your weekends free to enjoy your free time.  A one your warranty will bring added eace of mind.

For more information including pictures and a virtual tour on this great Buckley School Area Home For Sale in Manchester CT click here.  If you would like to tour this Buckley School area home in Manchester CT or any other home for sale in the area please contact Brian Burke at 860-798-3272.

What mortgage loans are available for a home like this?  There are low and no down payment loans available for those who qualify.  FHA mortgage loans allow for as little as 3.5% down.  CHFA mortgages with a down payment assistance loan allow for a qualified borrower to borrow even the down payment and closing costs!  Veterans both active duty and retired may be eligible to purchase this home without making a down payment.  To find out about what your options are and what is the best option for you, call Jon Sigler at 860-306-8029.

If you are looking for a Manchester CT 3 bedroom home for sale you likely have many options.  58 Bretton Rd deserves your attention. With 3 bedrooms and 2 full baths in almost 1200 square feet it has the space you need, and lots of great updating make it move in ready.

This Manchester CT 3 bedroom home for sale  is richly detailed in a total of 1642 square feet of living space (with finished lower level).   The roomy and flat yard has been professionally landscaped and fully fenced yard.  A great paver patio perfect for outside entertaining.   Keep all of your tools in your Kloter Farms shed!

Tranquility sets the tone for this generous 3 bedroom Cape Cod with an open floor plan, perfect for easy living.  Detailing includes arch doorways, hardwood floors, wood burning fireplace.  Lots of updating has already been done including two bathrooms, newer roof, windows, furnace, and paint!  Relax when you get home!  This Manchester CT home for sale comes with a one year warranty for added peace of mind.

For more information including pictures and a virtual tour on this great Manchester CT 3 bedroom home for sale click here.  If you would like to tour this 3 bedroom home in Manchester CT or any other home for sale in the area please contact Brian Burke at 860-798-3272.

Lots of great space for conversations and entertaining with friends.

Super yard that has been professionally landscaped.  The rear yard is fully fenced, which is perfect for pets of children.

Entertain and relax in your new back yard!

Open House in Manchester 8/7.  Are you looking for a great property to look at this Sunday August 7th, look no further than this 4 bedroom 2 and a half bath home for sale in Manchester CT.  The home has an open floor plan that is perfect for entertaining, or relaxed living.  This home has it all, granite, central air, upgraded moldings, tray ceiling in the master bedroom, you name it.  If you want a home to be impressed with stop by this open house in Manchester 8/7.

After visiting this open house in Manchester 8/7 if you like this amazing home for sale in Manchester and would like to talk about financing options available to you, please call me at 860-306-8029.  You may be shocked to find out that the home for sale at this open house in Manchester 8/7 could be financed with as little as 3.5% down to eligible buyers with an FHA mortgage!  If you would like to know more about FHA loans, check out my post What is an FHA Mortgage.

Buckley School Area 3 Bedroom Home. 31 Alice Dr in Manchester offers 3 bedrooms and a number of other features that make it a desirable home. It was built in 1955 on a lot just over a quarter acre. Outside it offers a private yard, shed and carport. Inside you will find 3 large bedrooms, updated bathroom, fresh paint and hardwood floors.  Buckley School is just over a quarter mile from this home.

Want to see pictures of the 3 bedrooms in this Buckley School area home? Check out the Photo Gallery link below. If you would like to know more about this 3 bedroom home near Buckley School in Manchester, or other 3 bedroom homes for sale contact Brian Burke of Coldwell Banker at 860-798-3272.

	31 Alice Dr Manchester, CT 06042-3427 Buckley School Area 3 Bedroom Home For Sale
Home   Photo Gallery   Virtual Tour   Property Map   Payment Info   Request Showing   Contact Me   Brian Burke Mobile: 860-798-3272 Website: Visit Website	Price : $174,900 Bedrooms : 3 Bathrooms : 1 Square Foot : 1,152 Lot Size : 11,761 County : Hartford Property Type : Detached Year Built : 1955 MLS Number : G571860 click for more information and pictures Property Description Cozy 3 bedroom Ranch now available in desirable Buckley School neighborhood. Home offers large bedrooms, hardwood tile floors, fresh paint, updated bathroom, fireplace, shed, carport private yard. Appliances and 1 Year Home Warranty INCLUDED TOO! Features List Buckley School Area Private Yard Carport 3 Large Bedrooms Fresh Paint Updated Bathroom Fireplace Roomy Shed Oil Heat
Equal Housing Opportunity.	Coldwell Banker Res Brokerage : 481 Buckland Rd - South Windsor CT 06074

Low and no down payment financing is available to those who qualify.  Would you like to view other homes like this one for sale in Manchester?  Check out Manchester Homes For Sale.

I recently had the opportunity to meet Deb Prior. Deb Prior owns Liberty Tax Service in Manchester CT. I got to interview Deb and she shared some interesting things about Refund Anticipation Loans.

Q: Is there a group of people more likely to apply for a Refund Anticipation Loan?

A: Early filers are the most likely to take a Refund Anticipation Loan, I estimate 90% of early filers will request a loan.

Q: Is it easy to get a Refund Anticipation Loan?

A: Banks offering the refund anticipation loans are stricter this year than past years. I feel that Liberty Tax Service has a competitive advantage this year with a good lending partner for our Refund Anticipation Loans. After our conversation I found an article that one of her major competitors has lost the ability to offer Refund Anticipation Loans this year.

Q: Is there technology coming that may reduce the need for a Refund Anticipation Loan?

A: The IRS is testing a new service this year called Modernized e-File that is approving returns in as little as 6 hours. This means eligible and approved filers are able to get refunds more quickly. I feel that the quick approval process may eliminate the need for many filers to get a Refund Anticipation Loan.

During our conversation Deb mentioned two promotions Liberty Tax Service in Manchester is running this year. Early Filers, those who file their completed return by February 15th receive $50 in instant cash. There are also several discount programs offered through national and local employers.

This interview should not be considered tax advice or guidance, if you are looking for more information on Liberty Tax Service in Manchester or have further questions about refund anticipation loans or tax preperation after reading this article, please contact Deb Prior at 860-432-9494 or stop in to 290 Main St in Manchester. They are across from Walgreens right next to the Mane Pub.

I recently had the opportunity to meet Deb Prior who owns the Liberty Tax Service office in Manchester CT.  I asked her a few questions that someone looking for a tax preparation service in Manchester CT like Liberty Tax Service may want to know.

Q: What tax changes should a tax filer want to know for 2010?

A: There is a good change for self employed filers paying their own benefits like health insurance.  These costs can now be deducted in a more advantageous manner than in previous years potentially reducing some tax liability.  The Earned Income Credit and Standard Deductions have been increased.  The Making Work Pay Credit has recently been extended.  There are many more changes but these are a few popular ones this year.

Q: What exciting new services does Liberty Tax offer this year?

A: Tax Filers can visit www.libertytax.com and click on the e-smart button to file their taxes online.  No need to buy tax preparation software that will become obsolete next year.  Tax Filers may file online and have in person assistance at the local Liberty Tax office at 290 Main St. in Manchester, CT.  There is even a free option as well as other options comparable to popular tax preparation software.  This could be an option for the do-it-yourselfer who would like the availability of in person assistance with tough questions.

Q: Tell me about Lady Liberty and Uncle Sam, we seem them waving on street corners throughout the tax season.

A: Lady Liberty and Uncle Sam have been a part of Liberty Tax Service since they first opened for business.  It is a powerful tool in generating new business for us.  As much as 90% of our new clients mention they saw Lady Liberty or Uncle Sam waving to them. Kids look forward to riding by and waving.  It is just fun.

Deb mentioned two promotions they are running this year that I think are of interest to mention.  The 1^st, early filers who complete their return by February 15th get $50 instant cash.  There are also several discount programs offered through national and local employers.

This interview should not be considered tax advice or guidance, if you are looking for more information on Liberty Tax Service in Manchester or have further questions about tax preperation after reading this article, please contact Deb Prior at 860-432-9494 or stop in to 290 Main St in Manchester.  They are across from Walgreens right next to the Mane Pub.

What is the Maximum FHA Mortgage Loan in Manchester, CT.:

The maximum FHA Mortgage Loans is different for each county and also for a 1, 2, 3 or 4 family/unit house. So here are the current maximum FHA Mortgage Loan limits for Manchester, CT:

Single Family Home $440,000
Two Unit Home $563,250
Three Unit Home $680,850
Four Unit Home $846,150 

The loan limits are similar in Middlesex and Tolland County. They are lower in Litchfield, New London, New Haven and Windham Counties. The loan limits are higher in Fairfield County.

What is an FHA Mortgage?

An FHA Mortgage loan is a loan that is insured by the Federal Housing Administration (FHA). FHA does not actually provide the loan; it insures the mortgage for the lender. Should the borrower on an FHA mortgage default the lender may receive payment from FHA for their losses. This insurance coverage reduces the lenders risk and makes them more able or likely to offer a borrower a loan.

An FHA mortgage loan may be for the purchase of a home in Manchester CT that the borrower plans to live in, or the refinance of a home they already live in. FHA mortgage loans are available to borrowers in Manchester CT, regardless of whether they have owned a property before. You don't need to be a first time homebuyer in order to qualify.

Need an FHA Mortgage Loan or you would like to discuss your options?

Call me at (860) 306-8029 or send me an email to schedule a no obligation consultation. I’ll help you determine whether or not an FHA loan is right for your Manchester CT home purchase. If not, we’ll look at other programs and how they may benefit you more.

Buying foreclosure or REO property in Manchester, Connecticut can sometimes provide you with a great bargain.  Not all foreclosure or REO properties are great bargains.  How can you make sure your offer is great and more likely to be accepted by the bank or owner of the property?  Use these six tips for a successful offer:

1. What did the current owner pay for the property and what kind of loan did they use.  This matters so you can see what the bank may need to receive in selling the property.  If the original loan was an FHA loan there is insurance that will cover 100% of the shortfall (if there is one).  Getting this answer usually requires going to town hall and that can also provide you with information about the status of the property.
2. The market value of the property.  You want to know what that is today and if the property needs work what it will be with that work completed.  You care about what the property is worth repaired since you will need to pay for those repairs.  You don't want to "over pay" for the property so at minimum the cost of the repairs should be subtracted from the after repaired value in determining your offer.  Considering there are great unknowns in renovating properties you should subtract some extra to give yourself room for error.
3. Scrutinize the REO and foreclosure listings. – Look at the value of other foreclosure or REO homes andnormal "arms length" transactions. What kind of "discount" do foreclosure or REO properties receive in Manchester?  This takes a little detective work since know the condition of they were in is difficult.
4. Cash offer. – The banks usually prefer cash offers. But we know there is little possibility that you will make a true cash offer, nice idea right?.  What can you do to make your offer stronger?  Ask about an FHA 203k loan, it will allow you to have the money to buy and fix up the property in one loan.  A bank will respect that loan option as having more likelihood of closing.  Make sure to not only talk with but show your loan officer your pay stubs, bank statements and make sure that your credit has been pulled BEFORE writing your offer.  How you calculate your income and how an underwriter do may be two different things, one may not qualify you for the home you want.  Make sure your loan officer knows the property is in need of work, or is a foreclosure.  This may limit the loan programs that can be used.
   
5. Take into account the number of offers. – Your offer should also be dependent upon the number of offers that have been made for the property. If the house has been on the market for many, many months with no takers it might be possible to offer less, but likewise don't expect a low-ball offer to be accepted on a clean ready to move in foreclosure with heavy showing traffic 2 days after going on the market.
   
6. Inspection – Banks don't like inspections, so do them BEFORE making your offer, or understand most banks will sell "as-is".  An "as-is" contract might allow you to inspect after going to contract it might not allow you to exit the contract for inspection issues.  Might as well inspect before making the offer and becoming obligated to purchase the property.
   

These six tips will help you to successfully make an offer on a foreclosure or REO property in Manchester, CT.  Are you looking to purchase a foreclosure or REO property in Manchester, CT or the surrounding towns?  Ask about an FHA 203k loan.  A 203k loan will allow you the finds to both purchase a home in need of repair, but also the money you need to pay for those repairs.  Thanks to http://www.flickr.com/photos/jbhill/ for a great photo.