All agents are NOT alike! Find out why we are top real estate experts. Call us: (203)438-8000.

Find Out About the Latest Homes for Sale First!
We add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
Find Out More >
View All Offers >

"...cannot recommend him highly enough."
It is with immense please that we write...
Pia Rebello Britto, Ph.D.
Read Quote >
View All Quotes >

Compare three mortgages at one time. Download TripleCalc now. It's free.

Find Out More >
Download Now >

Brad Kimmelman and Rob Gutman is one of The Top Selling Real Estate Experts™
Find Out More >

See the nation's top rated reports for Schools in Ridgefield, Wilton and Redding >

Gym Equipment
The Gym Source - High-end fitness equipment for the home and office. Design, deliver install.
Find Out More >
View All Affiliates >

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose Top Experts.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Wilton, Ridgefield and Redding real estate experts, it's our job to guide you, from beginning to end.

We will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly...

	About You
* Your Name:
* Your Email Address:
Your Street Address:
City:
State/Province:
Country:
Zip/Postal Code:
Phone:
	About Your Move
When Are You Moving?
Where Are You Moving?
	About Your Home Search
Your Price Range?
Number Of Bedrooms?
Number Of Bathrooms?
Home Size In Square Feet?
	Additional Info
Please Enter More Details, Along With Any Comments, Concerns, Or Questions:
Send Latest Listings:
Send Latest News:

*Please note that fields marked with an asterisk are required.

Quick Response Guarantee >
Your Privacy Is Guaranteed >
Free & Without Obligation >

School Reports in Ridgefield, Wilton and Redding, Connecticut

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
- America's Best School Profiles by
The Heritage Foundation

Connecticut Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Ridgefield, Wilton and Redding

First Time Buyers >Good Faith Estimates

Several years ago the U.S. Congress tried to protect consumers from a few unscrupulous lenders by requiring all lenders to calculate and disclose the annual percentage rate (APR) you pay on your mortgage loan. But most homebuyers will learn more by directing their attention to the Good Faith Estimate of Settlement Costs (GFE). Although Congress meant well, in practice the APR is not helpful and may be confusing.

If you are looking for a good way to understand your costs of borrowing and/or to compare one lender's costs to another, the GFE is your best bet. Get your lender(s) to provide a written GFE before you commit your mortgage business. When reviewing a GFE, keep in mind that the lender actually controls only a certain portion of the disclosed costs. Other parties typically control costs of appraisal, settlement, title insurance, recording fees and taxes, survey, and the "prepaid" expenses of homeowner's insurance, mortgage insurance, real estate taxes, etc. Review these origination fees, discount points, etc. and you will have the ability to understand the full costs of your proposed mortgage loan.

	See All Tips In The "First Time Buyers" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	What is the world's most capacious building?
A	The Boeing Company's main aircraft assembly plant in Everett, Washington, has been expanded to a capacity of 13.4 million cubic meters, or 473 million cubic feet.
See More Real Estate Trivia >

Brad Kimmelman and Rob Gutman, REALTOR®, real estate agent and broker for Ridgefield, Wilton and Redding, Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

The Kimmelman-Gutman Group
Real Estate Experts
Keller Williams
404 Main Street
Ridgefield, CT. 06877
Direct: 203 438-8000
Email: info@Kimmelman-Gutman.com
Brad Kimmelman is one of the top producing Realtors in the Ridgefield, Redding, and Northern Fairfield County area. His clients are the main source of his business, because, they constantly refer him to their friends, family, neighbors and business associates. Brad is a Ridgefield resident, and participates in many community related organizations.

www.RidgefieldHomeRealty.com is brought to you by Brad Kimmelman and Rob Gutman
NUMBER1EXPERT™ in real estate for Ridgefield, Wilton and Redding, Connecticut, Luxury Homes

Read Brad Kimmelman and Rob Gutman's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge