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Buying a Home?

As a former underwriter and manager, I spent over 10 years in the mortgage industry and am well versed in the various programs available to home buyers. Knowledge of the programs available to you, how that can affect your offer, and what to look for in a home as it relates to your loan program are important factors in purchasing a home. I have worked on hundreds of purchase transactions using programs including Conventional, FHA, VA, CHFA, USDA, and Renovation Loan products as well as Construction Loans. I am also familiar with the appraisal techniques and methods used in today’s real estate market, and how a mortgage holder will analyze a property’s condition and market value based on the appraisal’s analysis. Being aware of any potential financing problems before they occur can save both buyers’ and sellers’ time and money.
 
As a graduate of the RENE (Real Estate Negotiation Expert) class and with the experience of negotiating hundreds of transactions, there are not many scenarios I have not come across or had to negotiate through. Part of a Realtors job is to work in your best interests to get you the home you want at the best price possible. 
 
Becoming Chair of the Forms Committee this past year has made me more aware of contract law, closing cost customs, and how additional provisions in a contract can be misconstrued if not properly written. Paying attention to detail in contract negotiation is a huge part of my job that is often overlooked. It is rare that I don’t receive a contract that doesn’t need changes from sloppy work or overlooked contingencies that need further clarification. Taking the extra time to review these documents and being able to provide guidance on various documents you are required to sign as part of the purchase transaction is another key reason to have a good Realtor working beside you through your transaction. 
 
With my years of negotiating and mortgage underwriting experience, ability to provide a compelling justification for our position based on researched data during the negotiation process, and attention to detail on documentation, I believe I am able to provide you some of the best services our industry has to provide to buyers.
 
Paula’s real estate experience includes transactions involving Military Relocation (PCS),  Corporate relocation, 1031 exchanges, Trusts, first time home buyers, Investors (flip) transaction, investment properties (1-4 family),  second homes and seasonal homes, waterfront properties requiring flood insurance, bank-owned (REO) properties, short sales, new construction, Renovation projects, and land contracts.

HOME LENDERS

Harbour Mortgage Group
Erik Johnson 
Cell: 860-671-8601
email:  erik@harbourmortgagegroup.com

PrimeLending
David Johnston
Cell: 203-410-5164
Email: djohnston@primelending.com 

Gateway Mortgage Services
Dorothy H  Satti
Cell: 860-833-1083
Email: Dorothy@Fundsforhomes.com

Movement Mortgage
Charlie Kellogg
401-400-4204

POOL COMPANIES
– for Pool Inspections

Pools, Etc.  East Lyme CT
860-739-3387  David Jamison/Irene

Pool Guy, Old Saybrook CT
860-388-6644   Alicia  

Leffingwell Pools, Ledyard CT
860-437-1200   Sue

MOLD COMPANIES

Green Home Solutions
Dustin Maurice
dustin.maurice@greenhomesolutions.com

HOME INSPECTORS 

Coastal Home Inspection
23 Cardinal Rd. ~ East Lyme, CT 06333
Tel: (860) 572-0022 
Fax: (860) 739-9539 ~ www.coastalhomeinspect.com 

Tiger Home Inspections
Alan Williams 
800-328-4677
email: tiger.reports@tigerinspect.com

SEPTIC INSPECTORS

Buttermore Septic
Ledyard, CT
860-464-8852 

Abrahamson Septic LLC Septic & Drain Services 
Route 165, Preston City, CT 06365 (860) 889-7939
 
P&H Septic
410 Maple Ave, Uncasville
860-848-8507

Shoreline Sanitation
860-434-0052
customerservice@shorelinesanitation.com

New London County Septic
543 Colonel Ledyard Hwy.
860-536-0420

CHIMNEY INSPECTORS

Riteway Chimney
Daniel and Linda Kubas
860-537-7704

Heritage Chimney
Brent
860-857-5877

ATTORNEYS

Sarah E. Gager, Esq. 
Matta & Gager, LLP

300 State Street, Suite 301 
New London, CT 06320 
Direct Line: 860-574-3902 
Fax: 860-271-8030

Randy Ortega
Norwich, CT 
860-889-6333

Atty Donna Skaats
Norwich, CT
860-886-9322
Attyskaats@snet.net

Neal Bobruff
Paralegal: Ranna Waller 
Law Office of Neal M. Bobruff
Olde Mystick Village
Mystic, CT 06355
(860)536-3430 
(860)536-2629 (fax)

Jonathon Peck, Peck & Tuneski
10 Pearl Street 
New London, CT 06320
Phone: 860-447-3370
Realestate@peck-tuneski.com

Ramona DeSalvo
981 Bank Street
New London, CT 06320 
Phone: (860) 443-8480

Christopher J Albanese 
2 Chapman Lane,
Gales Ferry, CT 06335
(860) 464-0030 

Waller, Smith & Palmer 
52 Eugene O'Neil Drive 
New London, CT 06320
860-442-0367

Kaplan & Brennan, LLP
Jim Brennan
643 Norwich Road
Plainfield, CT 06374
860-564-3351
jim@kaplanandbrennan.com

HEAVY MOVERS

Around the House Movers
Bill Mileski
860-334-9095 

Barnes Moving & Storage
46 New London Tpke. Mystic
860-536-8960

INSURANCE AGENCIES

Jane Ryan Insurance Group, LLC
Alissa J. Connell, President
79A Norwich Ave
Colchester, CT 06415
Ph: 860.531.2838

Bouvier Insurance
Sue
860-859-9821

Sava Insurance
860-437-7282

Allstate 
Susan Taylor Agency
860-445-1218

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Honesty. Integrity. Results.
1641 Route 12, Gales Ferry, CT 06335
My husband and I were very pleased with Paula's service as a real estate agent. We would freely recommend her as an agent to anyone. We valued Paula's house-selling strategy and her input on everything from pricing the house to what curtains to hang. We feel she helped us get a better price than some other agents might have, and we appreciated her "being there" to help us with advice, suggestions, and reassurance, at every step along the way.
Buyer in Gales Ferry, CT

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