Author name: Steve Schappert, REALTOR®

Steve Schappert has been in the real estate and or construction business for over 40 years. His combined knowledge, attention to detail, and negotiating skills make him an excellent choice to help buy or sell a Connecticut luxury home. Schappert sharpened his negotiating skills by working with the Secret Service. Schappert was able to convince international bank fraud criminals to come to the US to be arrested for their crimes. Schappert has been interviewed by ABC, NBC, CNN, BBC, The New York Times and many more. Connecticut Real Estate provides discriminating home-buyers and sellers with professional, responsive and attentive real estate services. Want an agent who'll really listen to what you want in a home? Need an agent who knows how to effectively market your home so it sells? Give me a call! I'm eager to help and would love to talk to you. 1-203-994-3950

30-Year Fixed-Rate Mortgage | Quicken Loans Education

Mortgage /

Published on Sep 18, 2014 The 30-year fixed-rate mortgage has been America’s most popular home loan choice for several generations for many great reasons. 30-year fixed mortgages offer a low rate and payment that don’t change over the life of your loan. They allow for easy budget setting and increased cash flow, since you have… Continue Reading 30-Year Fixed-Rate Mortgage | Quicken Loans Education

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Understanding Adjustable Rate Mortgages (ARMs)

Mortgage /

An Adjustable Rate Mortgage (ARM) is a type of mortgage loan where the interest rate is not fixed for the entire term of the loan but can adjust periodically based on a specific index or benchmark. ARMs typically have lower initial interest rates compared to fixed-rate mortgages, which can make them attractive to borrowers who… Continue Reading Understanding Adjustable Rate Mortgages (ARMs)

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What is Mortgage Escrow? | Quicken Loans Education

Mortgage /

Mortgage escrow is a financial arrangement that involves the holding of funds by a third party, known as an escrow agent or escrow company, on behalf of two parties, typically a borrower (mortgagor) and a lender (mortgagee), for the purpose of ensuring that certain financial obligations related to the property are met. Mortgage escrow is… Continue Reading What is Mortgage Escrow? | Quicken Loans Education

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Understanding Mortgage Calculators | Quicken Loans Education

Mortgage /

Published on Feb 19, 2015 Eddie Berger, director of solution consulting at Quicken Loans, explains one of the most important tools someone considering a mortgage should consider – the mortgage calculator. Mortgage calculators allow someone to find out what their payment and interest on a mortgage would be, and also if they could save money… Continue Reading Understanding Mortgage Calculators | Quicken Loans Education

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Understanding Mortgage Subordination

Mortgage /

Mortgage subordination is a financial arrangement that involves changing the priority of existing mortgages or loans on a property. Subordination typically occurs when a borrower wants to take out a new loan or mortgage, and it affects the order in which creditors are paid if the borrower defaults on the loans. Here’s a detailed explanation… Continue Reading Understanding Mortgage Subordination

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Understanding Credit Scores | Quicken Loans Education

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Published on Jan 5, 2015 Your credit score has a direct impact on how much you can borrow and whether or not you qualify for the lowest rates. Several factors affect your credit score, including the types of credit you already have (like student loans or auto loans, for example), the age of your credit… Continue Reading Understanding Credit Scores | Quicken Loans Education

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Understanding Home Buying: Things to Consider

Mortgage /

Published on Jan 27, 2015 If you’re getting ready to buy a house, there are a few components that are really important to consider. The first is your budget. Your budget should include enough to cover both your down payment and a comfortable monthly payment. Second, you should consider the actual location of your home… Continue Reading Understanding Home Buying: Things to Consider

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Understanding Home Buying: The Mortgage Process

Mortgage /

The mortgage process can seem complex, but with the guidance of Connecticut Real Estate, you’ll gain a clear understanding of each step. Here’s an overview of the mortgage process: 1. Pre-Approval: The journey begins with mortgage pre-approval. We’ll connect you with trusted lenders who will assess your financial situation, creditworthiness, and determine the maximum loan… Continue Reading Understanding Home Buying: The Mortgage Process

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The Difference Between Mortgage Rates and APR

Mortgage /

Published on Feb 24, 2015 What’s the difference between a mortgage rate and an APR? It’s one of the most common questions we get at the Quicken Loans Zing Blog. Kevin Ruzylo, a senior training consultant, explains the finer points of mortgage rates and APRs. The mortgage rate is the percent that the mortgage lender… Continue Reading The Difference Between Mortgage Rates and APR

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Home Improvements That Add Value

Mortgage /

Published on Feb 20, 2015 Jamie Chapman, a Solutions Consultant at Quicken Loans, discusses home improvements that may (or may not) affect the value of your home. Are all improvements equal? Do all of them raise your home’s value? And do they raise it at a cost equal to the improvement (for example, a $20,000… Continue Reading Home Improvements That Add Value

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