Clockwork Repertory Theatre, Oakville, CT Announces Season Line-Up

Clockwork Repertory TheatreCelebrating 32 Years in Oakville, CT. The Clockwork Repertory Theatre has announced its line-up of shows for 2013-2014 season! Looks like it promises to be another great one full of fun, mystery and drama all in an exciting live theatre setting. Call Harold or Susan Pantely at the Box Office 860.274.7247 to reserve your seats today!

♦ The 39 Steps by Patrick Barlow. Broadway’s longest running whodunit comedy.

♦ The Musical Comedy Murders of 1940 by John Bishop. Untangle the mystery of the Stage Door Slasher.

♦  4 Weddings & An Elvis by Nancy Frick. Revenge, arrogance, ex-cons and Elvis come together in a heart-warming comedy

♦ Baggage by Sam Bobrick.  Maybe this difficult couple is made for each other.

The CLOCKWORK REP is an award-winning playhouse operating in its own intimate 3/4 round theatre facility since 1981. It operates a theatre season from November to May of each year, featuring new plays, comedies, mysteries and dramas that you may not have seen elsewhere!  Hope to see you there!

Mortgage Process

Why Are Some Mortgage Applications More Successful Than Others?

Shopping for a New HomeEvery mortgage application has a life of its own. Some live a long time, some not so much. I just closed on a loan that took less than 4 weeks to complete. And I just re-opened a file that started in June and still may not close until the end of October. So what makes some transactions more successful than others?

Here are some factors that will make the application process take longer?
• Resolving Credit issues
• Income verification issues
• Property condition and Home inspection issuesApplication Checklist
• Home Value and other Appraisal issues
• Not getting all the necessary documentation in a timely manner
• Sourcing the monies to be used for the down payment and closing costs (this is the big one)

And here are the factors that will make the application go quicker?
• Strong creditGet Pre-Approved
• Sufficient income and strong reserves
• No issues or minor home inspection issues.
• No issues with the appraisal
• Borrower co-operation in delivering all necessary supporting documents at time of the application

 It is my responsibility as a professional Mortgage Officer to set the expectations for my client…the Mortgage Approvedborrower. I take the time to educate my client on each step in the mortgage process, what I will do for them and what they must do to help make the application move along as smoothly as possible. Perhaps it’s my teaching background that helps the borrower understand whether their application will pass or fail. With good information there is better opportunity for everyone to  succeed.