Granby Living June 2020

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A Monthly Magazine Connecting Granby's Neighbors & Businesses

JUNE 2020

Photo by

Meg Pascucci


They Express Appreciation

for Town by Giving Back



Granby Real Estate

Teacher Appreciation

Celebrating Our Seniors

Granby History

Calendar of Events

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2 | JUNE 2020


Publisher | Anthony Serino

Content Coordinator | Bruce Deckert

Designer | Marcelle Hockers

Contributing Photographer | Meg Pascucci


Contact | Anthony Serino

Phone | 860-305-4065

Email | tserino@bestversionmedia.com


Content Due:

Edition Month:

June 25....................................................................August


Have feedback, ideas or submissions? We are always happy

to hear from you! Deadlines for submissions are the 25th of

each month. Go to www bestversionmedia.com and click

“Submit Content.” You may also email your thoughts, ideas

and photos to: bdeckert@bestversionmedia.com.

Any content, resident submissions, guest columns, advertisements

and advertorials are not necessarily endorsed by or represent

the views of Best Version Media (BVM) or any municipality,

homeowners associations, businesses or organizations that this

publication serves. BVM is not responsible for the reliability,

suitability or timeliness of any content submitted. All content

submitted is done so at the sole discretion of the submitting party.

©2020 Best Version Media. All rights reserved.


This is June... right? With our crazy new normal it's been

hard keeping track of the day or even the month.

With all of us getting used to navigating the world in

new ways, one consolation is that we are all going through this together. Our town,

state, nation and the world at large have been going through excruciating times. It's

going to be awhile until we get back to anything even close to our old normal. We've

all been feeling the stress on our personal, social and economic health. But even in the

darkest of times there are glimmers of hope.

If nothing else, humankind has been resourceful and possesses a unique ability for

creative problem-solving. There's an old saw that states, "When the going gets tough,

the tough get going." There have been extremely troubling times in our history, it's

never been easy, but we will all get through this. One day at a time.

We hope that you enjoy this June issue of Granby Living. And as we try to maintain

our normal routines, we look forward to continuing to publish a neighborhood

magazine that highlights the wonderful people who make Granby great.

I also want to thank all of our advertising sponsors who continue to support our


Stay well and strong.

Anthony Serino, Publisher

tserino@bestversionmedia.com | 860-305-4065

Like us on FB | Granby Living - Best Version Media



Dr. Kenneth Endres

Salmon Brook Dental





Christine M. Looby

The Mercy Community




Chester Darling, CFP® ChFC® CLU®


Financial Advisor, Stepping Stone Wealth

(860) 313-1313, ext. 5




Jason Brusa

Beacon Mechanical Service





Dr. Stephen A. Kei, M.D.

The Doctors Treatment Center




Judy Guarco

Berkshire Hathaway

NE Properties




Daniel Hess

Southwick Insurance Agency, Inc.




To learn more about becoming an Expert Contributor, contact

ANTHONY SERINO at tserino@bestversionmedia.com or 860-305-4065




The Simard Family

They Express Appreciation for Granby by Giving Back

By Bruce Deckert

Photos by Meg Pascucci

A marketing major and an exercise science

major met on a volcano and later made a

multidisciplinary residential choice, settling

in the Poet's Corner section of Granby. If you

were playing the icebreaker game Two Truths

and a Lie with Stephen and Kortney Simard,

what would you identify as the lie in this lead?

Let’s answer with another question: How

exactly did the couple meet?

“I was climbing a volcano and noticed

someone in distress who had fallen deep into

the volcano,” Stephen says. “The heat was

incredible but I knew I had to act. I rappelled

down in without ropes, put Kortney on my

back and climbed out. The rest is history.”

While the rest of this story is historically

accurate, the preceding statement is fictional —

Stephen’s humor in action.

“Since we moved here Granby has

really seen a transformation. It has

become a destination town.”

— Kortney Simard

“Actually, we met in a supermarket in 2003,

began dating in 2005 and married in 2008,”

says Stephen, a CCSU marketing major.

“We had a destination wedding in St.

Thomas USVI,” says Kortney, a UHart exercise

science major. “Our closest family and friends

were there and everyone was on vacation in

the Caribbean, so we were all so relaxed, not to

mention the backdrop for the pictures was the

island of St. John, so it looked amazing.”

Kortney, who also has a master of science in

physical therapy from UHart, is the Chief of

Physical and Occupational Therapy at Central

Western Massachusetts VA Medical Center.

4 | JUNE 2020



“I began working with the VA shortly after

obtaining my degree and knew I wanted to

stay here,” she says. “I take pride in helping

the veterans. They’re an amazing group who

sacrificed everything for our country, and

it feels good to pay them back by offering

exemplary rehab services.”

Stephen, 46, is a Realtor with eXp Realty

LLC. He grew up in Maine and is a ’91 graduate

of Biddeford High School. He has lived in

Connecticut since ’95, when he took a job as a

manager with Shaw’s Supermarkets. Kortney,

39, grew up in Connecticut and is a ’98

graduate of Terryville High School. The couple

moved to Granby in 2006.

“It was important for us to find a town with

highly rated schools and one that had a strong

sense of community,” Stephen says. “We are

fortunate our instincts were right.”

Their first house in town was on the channel

of Manitook Lake.

“It was a great spot, kayaking and fishing off

the backyard,” Kortney says. “Before moving

to Granby we would take our two dogs to the

McLean Game Refuge and got to know the

area. We were looking for a town with a quaint

feel with good access to both the Hartford and

western Massachusetts area.”

Since arriving in town, they have welcomed

two daughters: Brynne, 11, a 5th-grader at

Wells Road Intermediate School, and Teagan, 5,

a kindergartner at Kelly Lane Primary School.

“I love my school and my teachers,” Brynne

says. “I miss them and my friends now more

than ever.” Teagan’s school favorites? “Recess

and lunch,” she ventures.

“Hey, she’s 5 — she has her priorities,” quips


The family lives on Whitman Drive, in the

Poet’s Corner section of Granby — other local

streets are named for Shelley and Byron.

“It’s a very close-knit neighborhood,”

Stephen says. “Kortney is on the small

committee that plans block parties and festive

holiday parties each year. Poet’s Corner is the

type of place we’ve always wanted to live in,

a great neighborhood in close proximity to

“I love my school and my

teachers. I miss them and my

friends now more than ever.”

— Brynne Simard

downtown Granby with wonderful neighbors

you can have fun with and lean on for help

if needed. We cherish the access to the game

refuge and great streets to walk and ride bikes.”

Kortney is the manager for Brynne’s Granby

Rovers soccer team and has coached rec

basketball, and Stephen has also coached his

daughters’ basketball and softball teams.

“I love my Rovers teammates and coaches,”

Brynne says. “Everyone on our team is great.

We played in a tournament last October in

Cape Cod and made it to the final game. Hope

we get to do it again this year.”

Meanwhile, Kortney has taught classes for

11 years at Knock Out Fitness in Agawam,




Mass. “Our family enjoys getting

outdoors, playing and attending

sporting events, and volunteer

work,” she says.

Stephen is a self-described

“die-hard Boston fan — Patriots,

Celtics, Red Sox, Bruins … sure

going to miss Tom Brady!” He

has been a member of the Granby

Lions Club since 2007: “It’s a

great group and I’m proud of the

contributions we get to make to

this community.”

The club gives three $2,500

scholarships each year to high

school seniors, provides eye

screening at schools and day-care

centers, sponsors town events

like the Bluegrass Festival, and

gives to many local organizations.

“It’s important to give back to the

community in which we live,”

Stephen says.

He also serves on the board

of directors of Granby Park &

Recreation, which manages an

array of programs for youth and

adults: “The facilities — including

Salmon Brook Park, Holcomb

Farm and Ahern Park — are

something all of us residents

should be proud of. Hats off to the

Park & Rec staff.”

A member of the Granby

Chamber of Commerce, Stephen

notes, “As a Realtor, I am always

sharing my enthusiasm about

the town. We cherish the smalltown

charm, the best teachers

and schools, outdoor space,

commitment to agriculture, and

some good sports teams. It’s a

friendly and supportive town with

a strong sense of Granby pride. A

perfect place to call home.”

What about constructive change

in town?

“There isn’t much change

needed,” he says. “Growth is

good if done with respect to the

town’s character. It’s a balancing

act to make improvements that

don’t completely change the town

identity. I realize that logistically

there isn’t really space for it, but it

would be nice if we had a location

for a commerce/business park.”

“It was important

for us to find a town

with highly rated

schools and one that

had a strong sense of


— Stephen Simard

Kortney appreciates the town’s

outdoor recreation options

— hiking, kayaking, biking,

rollerblading and more.

“Since we moved here Granby

has really seen a transformation,”

she says. “It has become a

destination town. Credit the town

leadership and local business

with great vision. With so many

good restaurants, a vineyard, a

farm brewery, summer concerts

at Salmon Brook Park, Celebrate

Granby — there really is a lot to


Another worthy family event is

the Baystate Health Rays of Hope

Walk & Run that combats breast

cancer. “For several years I’ve run

this five-mile race with my Mom,”

Brynne says.

Yes, a five-mile run is more

plausible than rappelling into

a volcano to save a damsel in




You may have questions about

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you answer them.

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Call or text

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6 | JUNE 2020



of Events

Helpful Numbers for Updated Event Info

Granby Public Library — (860) 844-5275

Granby Parks & Recreation— (860) 653-8947

Granby Senior & Youth Services — (860) 844-5350

Granby Social Services — (860) 844-5350

Granby Town Hall — (860) 844-5300

At the time Granby Living went to print, event times and locations

were accurate, but please check event websites for the most current

information — some events may have been postponed or canceled.

Car and Engine Show

Saturday, June 16

@Salmon Brook Historical Society, Granby

The car show will feature classic cars, including Model T, Model A,

Rolls-Royce, Packard, Oldsmobile, Chevrolet and more, plus antique

gas engines and tractors. All vehicles built prior to 1970 are welcome

with a show fee of $5. Concession stand: Mrs. Murphy’s donuts, hot

dogs and beverages. To include your car or for info: Todd Vibert, 860-

653-9506. Proceeds to the Salmon Brook Historical Society.

Time: 8 am – 1 pm

Cost: FREE parking + admission


Ice Cream Social

Saturday, June 20

@Salmon Brook Historical Society, Granby

The Salmon Brook Historical Society will celebrate its 75th anniversary

with an Ice Cream Social offering free ice cream, games, a photo booth

and tours of SBHS buildings. Come help the society celebrate this

momentous occasion.

Time: 1-4 pm

Cost: FREE


Casual Bikers: Upcoming Events

Throughout the month

@Various locations

Check the Casual Bikers website for details about weekend and

weekday bike rides all month long.

Cost: FREE


Something About the Author Book Club

First Monday of month — call to confirm

@Granby Public Library

Call 860-844-5275 to register and for more info. Copies of books are

available at the library.

Time: Call 844-5275

Cost: FREE


Around the World Book Club

Third Monday of month — call to confirm

@Granby Public Library

Call 860-844-5275 to register and for more info. Copies of books are

available at the library.

Time: Call 844-5275

Cost: FREE


Family Movie Night

Wednesdays — call to confirm

@Granby Public Library

All ages can drop in and enjoy a family-friendly film. We'll provide the

popcorn! Call for movie titles. No registration needed.

Time: Call 844-5275

Cost: FREE


Sci Fi / Fantasy Book Club

Last Wednesday of month — call to confirm

@Granby Public Library

Call 860-844-5275 to register and for more info. Copies of books are

available at the library.

Time: Call 844-5275

Cost: FREE


Open Mic Night in the Bistro

Every Thursday

@Infinity Hall, Norfolk

Whether you like to listen to great music or are an aspiring performer,

join us on Thursdays to enjoy local talent. Performers sign up after

7 p.m. A few artists will be chosen to compete in our Big Stage

Competition and play an opening act at an Infinity Hall concert.

Time: 8 pm





Art teacher enjoys

problem-solving with students


Art Educator, Grades 9-12

Fine Arts CAS (Content Area Specialist)

Granby Memorial High School

By Bruce Deckert

Photos by Meg Pascucci

Grades and subjects that you teach — Grades 9-12 Art • Primarily 3D

classes, but also Contemporary Crafts/Makers and Materials • I also coteach

the Chemistry of Art with my science colleague, Jacky Paton.

Began teaching — 1994 in Farmington, CT

Began teaching in Granby — 1995

Career history — I graduated from Kenyon College in Ohio with a B.A.

in Studio Art. Came to Connecticut to work a summer job at YMCA

Camp Jewell. Moved to Germany for a year and then returned to CT in

1985. Managed an art gallery and custom frame shop in Southington, CT

for five years while working on my teaching certification at CCSU. I got

my first teaching job in 1994. In 2000 I earned my M.S. in education with

a concentration in ceramics from CCSU.

Born and raised in — Ohio

What motivated you to pursue a teaching career?

I was getting bored at work and wanted to take some classes.

The most rewarding aspect of your work as a teacher?

Getting to know students and helping them develop individual abilities.

Also, I really enjoy how my students force me to think on my feet when I

need to help them solve problems.

What do you enjoy most about working with young people?

They are young — and they can be really funny.

What is the biggest impediment to student success today?

Social distraction.

How can teachers help students overcome this obstacle and succeed?

Help students to discover their capabilities, to value themselves and to

balance their reliance on technology with practical skills and common

sense, and to recognize the potential and creativity that they most likely


A brief anecdote that gives a glimpse of your work in education:

Teachers often develop relationships with students based on the love of

their content area and wanting to share that with others. I like the fact

that former students will often reflect on what a safe haven the art room

was and how much they miss “that class” — and the efforts they take to

keep their creative outlet going after GMHS.

Family — My husband is a middle school science teacher in


8 | JUNE MARCH 2020 2020



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Best Version Media does not guarantee the accuracy of the statistical data on this page. The data does not represent the listings of any one agent or agency but represents the activity of the real estate

community in the area. Any real estate agent's ad appearing in the magazine is separate from the statistical data provided which is in no way a part of their advertisement.





environmental care evident at Holcomb Tree Trail

By Sarah Merrill

Eric Lukingbeal was born on Nov. 26, 1945 in Farmersville, Ohio — “a teeny-weeny

little town” near Dayton, the same town where his father grew up.

When Eric was born, his father, Kent V. Lukingbeal, was returning home from the

service after spending most of World War II on a Navy submarine in the Pacific.

Eric’s parents met at Ohio State University. “I’m a huge Ohio State football fan. It

drives my wife Sally nuts!” Eric laughs.

Kent Lukingbeal and Virginia Hummell were married in 1945. Eric has two younger


Virginia was born on Halloween 1919 and grew up in a small farming town not far

from Columbus. Now 100, Eric’s mother lives in an assisted living facility in Ashville,


Kent was born on Valentine’s Day 1918. “My dad’s middle name is V because of that

birthday — it’s not an initial! Incidentally, Harry S Truman had a similar story. His

middle name was S.”

Like his father and his grandfather before him, Eric’s nickname was always “Luke.”

After returning from the service, Eric’s father started his career as a lawyer. When

Eric was about 5 years old, his parents bought a home in Westwood, N.J., where Eric

attended school through the sixth grade.

“In the 1950s, that part of New Jersey was not very developed. I was surrounded by

woods and streams — it was rural, not unlike Granby,” says Eric. “My friends and I

spent our time doing two things: playing baseball and fishing.”

The family’s next move was to New Canaan, Conn., where Eric attended junior high

and high school. “New Canaan was a very different place when I lived there! It was a

quiet, rural town,” says Eric. “In fact, I got my first job working on a farm.”

Eric took up tennis and finished high school as the top player. In addition to playing

competitively, he worked jobs maintaining the town’s tennis courts and assisting the

tennis pro at the local club.

Eric as a boy on Cape Cod, circa 1955

Eric admits that he was not a motivated student: “I

studied enough to do pretty well, but I was kind of a

reckless kid who got into my share of trouble with my

friends. Looking back, it’s kind of embarrassing.”

He says Latin is the only school subject he really

enjoyed: “For some reason, Latin came easily to me, and I

had a teacher who I really admired.”

In 1964, Eric attended Williams College (Williamstown,

Mass.) but explains that he dropped out halfway through

his junior year — “I just wasn’t interested in school at that

point.” With the war in Vietnam, Eric went directly to the

draft board. When he found there was a long wait to be

drafted, Eric enlisted. “My parents were horrified,” he says.

Eric’s hopes to attend officer candidate school did

not pan out, but he did attend journalism school in

Indianapolis, followed by radio and television broadcasting

school. At Fort Ord in Monterey Bay, Calif., Eric worked

in the public information office. “I ended up becoming the

editor of the base newspaper, which I really enjoyed,” he


Celebrating Our Seniors is sponsored by McLean

Thank you. Thank you. Thank you.

To our staff for the daily displays of unwavering courage and compassion.

To our families for trusting us as we care for your very precious loved ones.

To our residents for your strength and resilience as we travel unfamiliar territory together.

And to our friends and neighbors for the many ways you are showing us your heartwarming support.

We are so grateful.

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860-658-3700 | McLeanInspiredLiving.org

10 | JUNE 2020



After the service, Eric returned to Williams, graduating in 1971, and

then attended law school at the University of Virginia, graduating in

1974. He married his first wife in 1970 and they lived in West Hartford.

Eric’s daughters are Emily Catherine and Mary Amanda. He has five

“wonderful” grandchildren, three who live in Hartland, Conn. and two in

the U.K.

Eric enjoyed a 40-year law career with the Hartford firm of Robinson &

Cole, where he met his wife Sally King. They were married in 1982. Eric

retired in 2014.

Living in Barkhamsted, Sally and Eric found that the commute to

Hartford got to be a bit long. “We counted 38 traffic lights between our

house and our office!” says Eric.

In 1984 Sally and Eric moved to Granby, buying their current home on

Day Street. “It’s actually a Sears Roebuck kit house, built in 1920 after the

original farmhouse burned down,” Eric explains.

“When we moved here, we were struck by how welcoming the town

was to newcomers,” says Eric. “We both got involved right away in town


Sally joined the Wetlands Commission, and in 1987 Eric got a spot

on the Planning & Zoning Commission. “Paula Johnson and I actually

campaigned together, even though we were with separate parties,” Eric

explains. “We’ve enjoyed the cooperative attitude in Granby town politics.”

Eric joined the Wetlands Commission around 2000, and in 2008 he

returned to Planning & Zoning. Sally has been on the Board of Selectmen

since 1992 and is currently vice chair.

In 2005, Eric joined the board of the Friends of Holcomb Farm and

got involved in Link and Learn, an after-school environmental education


“We love our proximity to Holcomb Farm,” says Eric, who walks a

dog there a couple of times a day (Sally and Eric have three Australian

Shepherds). “It used to be very quiet over at the farm, but these days —

since the coronavirus is keeping us all at home — it seems like everyone

in town has taken up hiking!”

Eric is on the board of the Connecticut Forest & Park Association. “It’s

astounding, the pressure at this moment for people to get out of their

houses and into the woods,” says Eric. “I’ve been on the board for 25 years

and this level of use is unprecedented.”

Eric has also been on the board of the Granby Land Trust: “Obviously,

I love the outdoors and I’ve put a lot of energy into environmental

concerns. Since retirement, I spend most of my time landscaping or

Eric at Holcomb Farm with three grandchildren and Jack the Aussie, 2019

planting trees for the Holcomb Tree Trail.” The tree trail is on the east side

of Simsbury Road across from the Holcomb Farm complex.

“That’s my current passion,” says Eric. “And we have a small but

dedicated group of people who have embraced this vision.” For more

information, visit www.holcombfarm.org/holcomb-tree-trail.

Sarah Merrill is a personal historian based in Granby. She works with

individuals and families to capture and record their personal memoirs

and family histories. Visit her website at www.memoirsbymerrill.com

Sarah Merrill is a personal historian based in Granby. She works with

individuals and families to capture and record their personal memoirs and

family histories. Visit her website at www.memoirsbymerrill.com




Short history of surveying land and boundaries

By Ken Kuhl

June 22, 1840 — Minutes from Town of Granby records: Survey for a

road beginning at the Turnpike Road at the west side of a post standing in

the northeast corner of Sereno W. Holcomb's land running north 60 degrees

West 6 chains 22 links to the point of a rock in the hill then South 76

degrees West 3 chains to a stone bound then South 49 degrees West 2 chains

to a stone bound at Lemuel Colton's line. Then South 52 degrees West 5

chains 60 links to a stone bound then South 64 degrees West 1 chain and 87

links to a maple tree standing near a small Bridge.

Since long before the settling of the American colonies, property

boundaries were described by the metes and bounds method, a system

of descriptions using physical features of the local geography, along with

directions and distances, to define and describe the boundaries of a

parcel of land — but heavily dependent on local knowledge of movable

stones, impermanent trees and transient neighbors.

Metes and bounds systems have long been the subject of ridicule

among scholars, but the rich descriptions of the metes and bounds of

colonial properties were customized to the preferences of American

settlers and could be tailored to different types of property interests.

This system has been used in England for many centuries, and is

still used there in the definition of general boundaries. The boundaries

are described in a running prose style, working around the parcel in

sequence from a point of beginning, returning to the same point. By

custom, it was applied in the original 13 colonies that became the United

States. Young George Washington was an excellent mathematician and

studied surveying. He started by measuring the different fields of the

Mount Vernon plantation where he lived. He spent many evenings

measuring the fields and then using his compass and a ruler to draw

maps of the land he had measured.

Historically, there was the oral ritual of beating the bounds, an ancient

custom still observed in some English and Welsh parishes today.

Members of the community would walk the boundaries of the parish,

usually led by the parish priest and church officials, to share their

knowledge of where the boundaries lay and to pray for protection and

blessings for the lands.

Judy Knows Granby!

• Customer Service Awards for 15+ years

• Five-Star Professional Realtor Award for

the last 5 years.

• President’s Circle” award top

4% nationally

• Top 4% Nationally for Berkshire

Hathaway Designation for Company


• Granby resident for over 50 years.

Even though we’re apart, I’m never too far away.

Our highly sophisticated technology platforms allow me to

operate at every level digitally, from our online management

program, to virtual tours through Facetime, video

conferencing, plus you can submit an offer, all through the

comforts of your home.

Call me and let’s discuss how I can be of service to YOU!

Judy Guarco | 860-651-2127

judyguarco@bhhsne.com | www.judyguarco.bhhsneproperties.com

12 | JUNE 2020



Metes — The term "metes" refers to a boundary

defined by the measurement of each straight

run, specified by a distance between the two

points and an orientation or direction. A

direction may be a simple compass bearing

or a precise orientation determined by typical

survey methods.

Bounds — The term "bounds" refers

to a boundary defined by a more general

description, such as along a certain

watercourse, a stone wall, an adjoining public

roadway or an existing building. The sequence

begins with an identified corner serving

as benchmark. The description then gives

distance, direction and various boundary

descriptions as if one were walking the bounds,

pacing off the distance to the next corner where

there is a change of direction.

One of the problems with this system is that

the description might refer to landmarks such

as “the large oak tree” that could die, rot and

disappear — or be confused with a different

tree that grew over time. Streams might dry up,

meander or change course. Man-made features

such as roads, walls or stakes that marked

corners and determined boundary lines

between corners may have changed. Because

these features can move and disappear over

time, the United States largely replaced this

system except in eastern states.

Beginning with the Land Ordinance

of 1785, the U.S. began a transition to the

Public Land Survey System used in central

and western states. The original eastern

states continue to use the metes and bounds

surveys of their founders, along with states

that were previously part of one of the 13

colonies, or where land was allocated before

1785 — including West Virginia, Tennessee,

Kentucky, Maine and Vermont. Because

Texas was an independent republic prior

to statehood, even its land system remains

primarily metes and bounds.


June 20, 1840 — Samuel Morse receives the

patent for the telegraph.


June 12, 1840 — The World Anti-Slavery

Convention meets for the first time at Exeter

Hall in London.

Ken Kuhl is a member of the Salmon Brook

Historical Society in Granby.


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240 East St., Plainville


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Call me and let’s get through this together.

As always, when it comes to buying or selling

your home, I’m here to help you every step of the


As a Berkshire Hathaway HomeServices sales

professional, I’m committed to working with you

based on your comfort level. Buyers are still

buying and sellers are still selling their homes.

I have access to exclusive digital tools that help

me showcase the full potential of your home. I

offer online tools to tour a home, sign important

documents from the comforts of your home and

help you organize your move.

Nancy Reardon

Whether buying or selling I greatly appreciate your

referrals and the opportunity to be of service.




14 | JUNE 2020



Here's help in deciphering

real estate jargon

Part 2

By Judy Guarco

Like so many other professions, there is a whole litany of terms used freely by real estate

agents, mortgage lenders and closing attorneys.

Here’s a simple glossary of phrases (H through P) that real estate professionals often use (A

through F appeared in March's issue)

Homeowners association (HOA): The governing body of a housing development, condo or

townhome complex that sets rules and regulations and charges dues and special assessments

used to maintain common areas and cover unexpected expenses respectively.

Home equity line of credit (HELOC): A revolving line of credit with an adjustable interest

rate. Like a credit card, this line of credit has a limit. There is a specified time during which

money can be drawn. Payment in full is due at the end of the draw period.

Home inspection: A nondestructive visual look at the systems in a building. Inspection

occurs when the home is under contract or in escrow.

Homeowners insurance: A policy that protects the structure of the home, its contents, injury to

others and living expenses if damage occurs.

Housing ratio: One of two debt-to-income ratios that a lender analyzes to determine

a borrower’s eligibility for a home loan. The ratio compares total housing cost (principal,

homeowners insurance, taxes and private mortgage insurance) to gross income.

In escrow: A period of time (30 days or longer) after a buyer has made an offer on a home and

a seller has accepted. During this time, the home is inspected and appraised, and the title searched

for liens, etc.

Listing price: The price of a home, as set by the seller.

Loan estimate: A three-page document sent to applicants three days after they apply for a home

loan. The document includes loan terms, monthly payment and closing costs.

Loan-to-value ratio (LTV): The amount of the loan divided by the price of the house. Lenders

reward lower LTV ratios.

Mortgage broker: A licensed professional who works on behalf of the buyer to secure financing

through a bank or other lending institution.

Mortgage companies: Lenders who underwrite loans in-house and fund loans from a line of

credit before selling them off to a loan buyer.

Mortgage interest deduction: Mortgage interest paid in a year subtracted from annual gross


Mortgage interest rate: The price of

borrowing money. The base rate is set by

the Federal Reserve and then customized

per borrower, based on credit score, down

payment, property type and points the buyer

pays to lower the rate.

Multiple listing service (MLS): A database

where real estate agents list properties for sale.

Origination fee: A fee, charged by a broker

or lender, to initiate and complete the home

loan application process.

Principal, interest, property taxes

and homeowners insurance (PITI): The

components of a monthly mortgage payment.

Private mortgage insurance (PMI): A

fee charged to borrowers who make a down

payment that is less than 20% of the home’s

value. The fee, 0.3% to 1.5% of the yearly

loan amount, can be canceled in certain

circumstances when the borrower reaches 20%



Granby Living


Sharp Minds

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Satisfy your love of learning in a community of

active, engaged seniors. At The McAuley, intellectual

curiosity is worth celebrating. With stimulating

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275 Steele Road, West Hartford

TheMcAuley.org • 860-920-6319

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