Greater Hartford, Connecticut, West Hartford and Farmington Valley CT real estate listings, home buying, selling and relocation information

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Joanne Hoye and John Hoye, REALTORŽ, real estate agents and broker for Greater Hartford, West Hartford and Farmington Valley Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

The HoyeHomeTeam welcomes You to West Hartford and Farmington Valley CT

# 1 Real Estate Agent Team in West Hartford CT
# 1 in sales consistently from 2001-2012
# 1 for Customer Service received Prudential's highest Service award multiple times out of 2000 Agents

We are committed to achieving nothing less than the very Best Results for You.

We are focused on providing you top service.
Joanne & John Hoye have been ranked among the Top 1% Realtors nationally and provide exceptional service representing Buyers, Sellers, Builders and Developers throughout West Hartford & Greater Hartford Connecticut.

Joanne Hoye has over 30 years of experience in residential real estate consistently awarded top producer in SALES and SERVICE from 1976 to present.

John Hoye has over 10 years of experience in residential real estate consistently awarded top producer in SALES and SERVICE from 2000 to present.

Looking for homes in West Hartford CT? Search everything the web has to offer, right here! Don't miss our Featured Listings,Search the MLS as well.

Need local real estate information on West Hartford CT? We've summarized much of what is important about the Greater Hartford CT, West Hartford CT and the Farmington Valley: Avon,Canton,Farmington,Simsbury real estate market in this site.

Need expert advice for Homes in West Hartford CT or surrounding areas? No web site, large or small, can take the place of a top Realtor. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice.

Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR Realtors. As your trusted, professional real estate advisors, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. As top Greater Hartford CT, West Hartford CT and Farmington Valley Realtors, we have the years of experience and the consistent award winning track record you are looking for in real estate agents.

The HoyeHomeTeam at your service!

- Joanne Hoye and John Hoye

Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

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Q	What famous person said this? "Real Estate is the best investment in the world because it is the only thing they're not making anymore!"
A	Will Rogers, who began his career as a rope-throwing cowboy and later became a famous stage and film star.
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Joanne Hoye and John Hoye
Prudential Connecticut Realty
970 Farmington Ave
West Hartford, CT 06107
(P): 860-561-8007
(F): 860-233-7313
(E) : jhoye@snet.net

JOANNE HOYE is a 4th Generation real estate professional in Greater Hartford Connecticut. She has 30+ years of experience in both buying and selling Real Estate. She works in all markets from starter homes to luxury properties and handles all phases of new construction and land development as well. In addition she markets antique properties! She is a Certified Residential Broker who is a consistent top producer. She has won the following awards multiple times: Prudentials #1 Outstanding Agent for Customer Service Award out of 2000 agents, Prudential Chairman's Club Awards, Pinnacle Performer Awards, and Top Producer Awards for Greater Hartford Connecticut placing her amoung the top 1% and 2% of agents nationwide. She provides excellent service and gets results for you.!.........JOHN HOYE is a 5th Generation real estate broker in Greater Hartford Connecticut, providing outstanding service dedicated to meeting your Real Estate needs. He has 12+ years experience buying and selling Real Estate. He has won the following awards multiple times: Prudentials #1 Outstanding Agent for Customer Service Award out of 2000 agents, Prudential Chairman's Club Awards, Pinnacle Performer Awards, and Top Producer Awards for Greater Hartford Connecticut placing him amoung the top 1% and 2% of agents nationwide. Like Joanne he too works in all markets from starter homes to luxury properties. Prudential Connecticut Realty is an independently owned and operated member of The Prudential Real Estate Affiliates Inc., and Prudential is a service mark of The Prudential Insurance Company of America.

CRB ePro Equal Housing GRI REALTOR

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The HoyeHomeTeam welcomes You to West Hartford and Farmington Valley CT

# 1 Real Estate Agent Team in West Hartford CT# 1 in sales consistently from 2001-2012# 1 for Customer Service received Prudential's highest Service award multiple times out of 2000 Agents

We are committed to achieving nothing less than the very Best Results for You.

# 1 Real Estate Agent Team in West Hartford CT
# 1 in sales consistently from 2001-2012
# 1 for Customer Service received Prudential's highest Service award multiple times out of 2000 Agents