Greater Hartford, West Hartford and Farmington Valley CT real estate and homes for sale in Connecticut - Joanne Hoye and John Hoye, REALTORS® Joanne Hoye and John Hoye REALTOR(r) for Greater Hartford, West Hartford and Farmington Valley, Connecticut real estate - NUMBER1EXPERT™ Joanne Hoye and John Hoye NUMBER1EXPERTS(tm) for Greater Hartford, West Hartford and Farmington Valley, Connecticut real estate

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Joanne Hoye and John Hoye, REALTORŪ, real estate agents and broker for Greater Hartford, West Hartford and Farmington Valley Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)
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Special Offers: Special offers for Greater Hartford, West Hartford and Farmington Valley homeowners from Joanne Hoye and John Hoye, top Realtors
eNewsletter: Joanne Hoye's and John Hoye's Greater Hartford, West Hartford and Farmington Valley newsletter email will send you the latest real estate information
Today's Real Estate News: Daily real estate news for this neighborhood, Connecticut, and United States
Monthly Payments & Schedule: Monthly loan payments java mortgage calculator
How Much Can You Afford?: Calculate how much home you can afford with this financial calculator
Determine Tax Savings: Calculate how much your monthly Greater Hartford, West Hartford and Farmington Valley Connecticut mortgage payments save you on your taxes because of loan interest
Should You Rent or Buy?: Is it better to rent a home in Connecticut or buy your own Greater Hartford, West Hartford and Farmington Valley house, ranch, luxury property, condominium, acreage, or other real estate?
Adjustable Rate Mortgages: Adjustable rate Greater Hartford, West Hartford and Farmington Valley mortgages information and interest rate java calculator
What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage.
Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.
15 vs. 30 Yr Mortgages:With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.
How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out.
What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.
Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment.
TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Connecticut real estate
Top National Real Estate Web Sites: Real Estate Web Sites that include some unique sources of realty information, listings, and more
Our Free Services: Joanne Hoye's and John Hoye's free services when selling and buying property in this area of Connecticut
Ask Anything: Ask Joanne Hoye and John Hoye anything real estate
NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agentss and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale
Real Estate Tips: Joanne Hoye's and John Hoye's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers
Real Estate Trivia: Joanne Hoye's and John Hoye's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more
Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Greater Hartford, West Hartford and Farmington Valley property in Connecticut, including legal terms definitions, and more



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Real Estate Tips
Tax Considerations >New 1031 Exchange Rules

One of the most popular "tax deferring" strategies for real estate owners who are selling one property and acquiring another is the use of Section 1031 of the Internal Revenue Code. It is an effective way to defer paying income tax on capital gain generated by the sale of a property when you intend to reinvest the proceeds in a similar, "like-kind" property. Almost any kind of real property is considered "like-kind" with any other real property.

A recently enacted law closes what was considered a loophole in the Section 1031 rules. In some cases, owners of investment real estate have used the 1031 Exchange to swap their investment property for real estate that could be readily converted to an owner-occupied residential property. After the exchange, they made the property into their principal residence, lived in it for a couple of years, then sold it. Now the American Job Creation Act of 2004 has ruled that properties converted from a 1031 exchange property into a residence must be held and used as a principal residence for at least five years to qualify for the tax exemption. Otherwise, the basic tax-deferring benefits of 1031 exchanges remain the same.

Consult your tax advisor for more detailed information.

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Real Estate Trivia
Q 
What is the longest construction time for a private residence?

A 
The Winchester House in San Jose, CA, was under construction for over 38 years.
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Joanne Hoye and John Hoye, REALTORŪ, real estate agents and broker for Greater Hartford, West Hartford and Farmington Valley Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

Joanne Hoye and John Hoye
Prudential Connecticut Realty

1000 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 Hartford area. 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: Outstanding Customer Service Award, Prudential Chairman's Club Award and Top Producer Award for Greater Hartford Board. She provides excellent service and gets results for you.!.........JOHN HOYE is a 5th Generation real estate professional in Hartford area, providing outstanding service dedicated to meeting your Real Estate needs. He has 8 years experience buying and selling Real Estate and is the winner of Prudential Chairman's Club Award. 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.

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Prudential Connecticut Realty real estate and homes for sale in Greater Hartford, West Hartford and Farmington Valley Connecticut

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