WELCOME! You have come to the right place. All Real Estate Agents are not a like...do you need local real estate advice? Call me: 203-313-2364.

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FIRST PERSON WE MET IN RIDGEFIELD
"You want someone like Polly on your side when buying a home"Mike Austin hired Polly as a Real Estate Agent in 2008
Mike Austin
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Welcome to Polly O'Brien's Ridgefield, New Fairfield and Redding Real Estate Website

Welcome! Please use my Website to Learn about Northern Fairfield County Connecticut 06877-- Ridgefield, New Fairfield and Redding, Connecticut Real Estate

Looking for a home? Search everything the web has to offer, right here! Don't miss my Feature Homes.

Need local real estate information? I've summarized much of what is important about the Ridgefield, New Fairfield and Redding real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a real estate agent. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job.

Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR real estate agent. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying or selling a home is one of the biggest events in your life. I have the experience and track record you are looking for.

- Polly

Polly O'Brien
Keller Williams Realty
Ridgefield, CT 06877
polly@pollyobrien.com
203 313-2364

Financing Your Home >Assuming a Mortgage

You may be able to assume the seller's mortgage liability when buying a house instead of having to apply for a new loan.

Assuming a loan could minimize your down payment or closing costs and get you a more advantageous interest rate. To know whether an assumption will work, find out the loan balance. If the balance is a small fraction of the purchase price, you will have to come up with a large down payment or get a second loan for the difference, unless the seller is willing to provide some of the financing. If the loan balance is high, the loan may have been made when interest rates were higher than they are today.

Most newer loans that are assumable have adjustable rates. If you are considering an assumption because of credit problems, you will need the lender's approval to make the transaction work.

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Q	Where was the first hotel built in the US?
A	The Union Hotel (1802) Saratoga Springs, NY, is the first hotel emphasizing lodging and services, in addition to food and drink.
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Polly O'Brien, REALTORŽ, real estate agent and broker for Ridgefield, New Fairfield and Redding, Connecticut home listings, property and land for sale

Polly O'Brien
Keller Williams Realty
404 Main Street
Ridgefield, CT 06877
203-313-2364
Fax: 203-431-3510
pollyobrien@BestImageAgent.com
polly@pollyobrien.com

Polly understands that it takes time to find the right agent to list your home or to buy a new home. Enjoy this website to educate yourself about real estate in Connecticut. Allow Polly to prove to you that she is the right agent for you.

CDPE Equal Housing MLS REALTOR

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