Here are some ideas to avoid costly repairs.  First make sure you do not have any open windows or drafts . Also check any pulling that is facing to any outside walls especially older homes that probably have no insulation. you can install some of that one inch foam pipe wrap of electrical heat tape on outside pipes.  We just had a frozen water meter blow what a mess that was . Make sure that your furnaces is cleaned and new air filters are installed for hot air systems and for oil heat make sure to have the furnace cleaned prior to winter . Just yesterday we had a tenant leave there apartment for a couple of days and they turned the heat down too low and she came back and could busted frozen pipe in shower . When it is this cold maintain heat at 60 degrees to avoid any big repair bills.

Another tip for this time of the year keep plenty of cat liter you can buy big 20-25lbs bags for $5.00 per bag and use to put on ice  to avoid falling it works great .  Also if you have gas heat the gas companies offer yearly contracts for under $250.00 a year that cover a lot of problems that can go wrong and you know that things always go wrong in the middle of the night and on a weekend so thane that in consideration its a cheap insurance policy for the winter.

Have a nice day

God Bless America

Pat Civitella

Civitella & Associates Real Estate

Company History:

Civitella & Associates was founded by Pasquale (Pat) Civitella in Derby, Connecticut in 1986. Pat started as a real estate investor. As the business grew, we expanded to specialize and offer Stop Foreclosure and Loss Mitigation services, acquiring associates along the way.

Why Us?
We ALWAYS deliver what we promise. When working with people, it is very important that they can trust us to be at the meetings, have paperwork prepared when they are due, and to negotiate in their best interests.

We NEVER pressure clients. We explain what services are available to them and at what rates, depending on their situation. We offer options so that our prospects won’t be locked into one course of action. Most of our clients come back to us after looking around, saying, “We liked that you weren’t overzealous or pushy.”

We have a PROVEN track record. We have been in business much longer than most of our competitors, and we possess a greater depth of experience. This is of utmost importance when working for your financial future.

Stop Foreclosure

We cautioned Brandon that in his state there was no redemption period after the sheriff’s sale. Once that sale happens, Brandon would absolutely lose his home and ALL the equity in it after the sale. Brandon wasn’t worried. The Loan Officer had re-assured him that everything was OK and that there were just a few administrative details to clean up.

Ten days later, we got a frantic phone call from Brandon. The Sheriffs’ sale was only four hours away and Brandon had just found out that his Loan Officer could not help him. Brandon had tried to contact the Loan Officer for several days with no success. When he finally got in touch with the Loan Officer, he had to find out the bad news; Brandon was about to lose his home, his family would have to move, and he would suffer public humiliation from the Sheriff’s sale.

At that point, there was nothing more we could do either. If Brandon had taken action the first day or two after he talked to us, we could have saved his home. Sometimes we are even able to get the sheriff to postpone a sale while we work out financing, and some states have a redemption period following the sale.

In Brandon’s case, he was out of time and out of options. Brandon lost his home because he waited too long to take action.

Last year 846,982 people actually lost their home to foreclosure. Brandon just joined them. Don’t let that happen to you…find out what your real options are and when you MUST take action. Let Civitella & Associates advise you on how to keep your home and rebuild you credit.

There is no obligation to talk with us, and we may be able to help you save your home, eliminate your debt, get rid of those unwanted collection calls, and relieve the unbearable stress of not being able to pay you mortgage…in 10 days or less!

Don’t be the next sad story…don’t wait too long to take action. Call Civitella & Associates today for your FREE Confidential Evaluation at (203) 736-2484 or (203) 650-1389

Lease-To-Own Program

“Did you know that it took Abraham Lincoln over 30 years of trying to be the President of the United States before being elected?” Never give up on your dreams!

Colonel Sanders started KFC when he was 65 years old…. so it’s never too late!

Case History 2
A Connecticut homeowner suffered a house fire. With 50% of the house burnt, he needed to sell the house quickly. We negotiated a price that worked for his family and for us. Within two weeks, the client was able to move on with his life, problem-free.

Case History 3
Another client recently took out a mortgage against his house to help his church. However, he then lost his job and fell behind on both mortgage payments. Panicked at the first foreclosure letter, he called us for help. Within two weeks, we were able to purchase his home and allow him to maintain his good credit status.

Case History 4
A great couple from Loris, South Carolina, had come across some bad luck. They were living in their house for over seven years and loved the home, but they fell behind on their mortgage. They both wanted to stay in the home. Civitella & Associates was able to make a deal with all parties and satisfied the bank. The couple was able to stay in their home. Like many scenarios, everyone was happy with the outcome. A win-win for all!

All it takes is persistence and dedication from Civitella & Associates to make sure everyone is satisfied.