Winchester, Barkhamsted and Torrington real estate and homes for sale in Connecticut, luxury homes - Jack and Jayne (Cappabianca) Lamb, REALTORS® Jack and Jayne (Cappabianca) Lamb REALTORS(r) for Winchester, Barkhamsted and Torrington, Connecticut real estate, luxury homes - NUMBER1EXPERTS™ Jack and Jayne (Cappabianca) Lamb NUMBER1EXPERTS(tm) for Winchester, Barkhamsted and Torrington, Connecticut real estate, luxury homes
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Jack and Jayne (Cappabianca) Lamb, REALTOR®, real estate agents and broker for Winchester, Barkhamsted and Torrington Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

All agents are NOT alike! We want to WOW you with our Customer Service! Call us: 860-379-7613.


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"How extremely satisfied we were with the SERVICE"
"Everyone that we know who has worked with you before us have had nothing but good things to say, and we could not agree more."
SELLERS MICHAEL AND DIANE SANTORO NORFOLK
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Mortgage Prequalification: Winchester, Barkhamsted and Torrington Connecticut home buying, real estate listings, and homes for sale in Litchfield County, CT
Welcome > For Buyers > Mortgage Prequalification ...


Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

We help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: we will respect your privacy! We know this is your personal information, and we will not distribute it to anyone, other than to our preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of our job as top Winchester, Barkhamsted, Colebrook... REALTORS® to offer services such as these. 

Once you fill out the form, we will quickly process your information and get right back to you! 

We can help you pre-qualify for your mortgage. It's our job! This is free and without obligation... 

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Real Estate Tips
Zoning Laws >Easements

Every property has some kind of easement--utility, water and sewer or driveway easements which give access to landlocked parcels. As a property owner, you may be affected by easements at some point.

The easement in gross is the most common type of easement used by public utilities. These easements are often under or above the ground, so they do not consist of actual land. If a utility gains the right to an easement in gross over your land, it must pay you for the diminishment in value of your property.

Easements by prescription become easements simply through unchallenged use by the landowner for a specified number of years (usually 10-20). To avoid such an occurrence, the landowner must periodically make a formal objection to "start the clock over".

The most familiar type of easement is easement appurtment that allows access to public roads and is used to create driveways and walkways for subdivided parcels. This type of easement should be treated by both landowners (and beneficiaries) as actual land parcels to be described and recorded meticulously.

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Real Estate Trivia
Q 
What did 75% of 10,000 buyers surveyed by the NAR list as their top reasons for selecting a Real Estate Professional?

A 
Knowledge of the housing market, knowledge of real estate practices and financing, and familiarity with neighborhoods.
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Jack and Jayne
(Cappabianca) Lamb

101 Ridge Street
Winchester, CT
860-379-7613
jackandjayne@charter.net

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Jack and Jayne (Cappabianca) Lamb, REALTOR®, real estate agents and broker for Winchester, Barkhamsted and Torrington Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

Jack and Jayne (Cappabianca) Lamb
J Lamb Realty

101 Ridge Street
Winchester, CT. 06098
860.379.7613
860.379.2700
Fax: 860.379.8231
Email: jackandjayne@charter.net

Who are we anyway? While the “J Lamb Realty” office has only been opened since January 2005, we have been around for a while. Jayne (Cappabianca) Lamb has twelve years in the real estate business while working with a local brokerage firm and is a lifelong resident of Winchester. Jack Lamb has eight years experience as an agent/broker and is also a certified project manager (PMP). We are both full time realtors.

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