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Want to Buy a HUD home? Here's FAQ

What is a HUD Home? A HUD home is a home that was financed with a FHA insured mortgage and the owner fails to make the payments. The lender then forecloses on the home; HUD pays the lender; and HUD takes ownership of the home (and markets for sale). Who can buy a HUD Home? Any approved buyer who qualifies for a mortgage can buy a HUD home. How can I find out what HUD homes are for sale? Potential buyers may search for HUD homes on HUD’s website www.hud.gov , or HomeSource’s www.hudhomestore.com. How do I buy a HUD home? An individual interested in purchasing a HUD home should contact a Rob Rosa at (860) 558-2122 or by email at rubiconcrossings@gmail.com .  We are certified with HUD to sell HUD homes. We have a valid NAID number and have the keys to allow you to visit any HUD home in CT. Can I get a loan to buy a HUD home? Yes any purchaser that can qualify for a mortgage loan can purchase a HUD home.  A Rubicon Crossings Realtor can put you in touch with the right loan of...
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Tip to Avoid When Buying Cash Flow Real Estate

Leave out management, vacancy and maintenance in calculating cash flow –  I see it all the time. Rent – PITI is used to calculate positive cash flow. If you do not have room for at least 10% property management, 10% vacancy and 10% maintenance then you could end up losing money over time. It is much more accurate to take 70% of Rent – PITI to calculate positive cash flow.
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Where do I pay the EMD from?

Here's a helpful "DO" when applying for a loan:  Provide your EMD (earnest money deposit) from your own personal bank account or acceptable gift funds.  This will present a difficult problem if not managed properly in the beginning.  Please talk to your loan officer for additional clarification.
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If You are Buying or Selling...As of Jan 1 You will Need Carbon Monoxide Detectors

What is Carbon Monoxide? It is an odorless, colorless gas that can cause sudden illness and death. CO is found in combustion fumes such as those produced by cars, trucks, small gasoline engines, stoves, lanterns, burning charcoal and wood, gas ranges and heating systems. CO becomes deadly if it builds up in enclosed or badly ventilated areas.  Red blood cells pick up CO, and prevent the body from properly absorbing oxygen, damaging tissues and possibly causing death. Everyone – people and animals – are at risk for CO poisoning. Certain groups – unborn babies, infants, and people with chronic heart disease, anemia or respiratory problems – are more susceptible. Every year unintentional carbon monoxide poisoning causes More than 400 deaths; (highest fatalities among those 65 and older);  20,000 emergency room visits; 4,000 hospitalizations; Common symptoms: Mimic flu/cold – dizziness, weakness, nausea, headache Chest pain and confusion At high levels – loss...
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Thinking of getting real estate license in CT?

Here's another recommendation and excellent testimonial about our dedication and support to make sure our  students are happy and well-prepared to move forward with their real estate aspirations:   "I signed up for the Rubicon School of Business Real Estate class in the Fall of 2013. Rob does an excellent job of teaching the class and offers many different options for students with a busy schedule. The class is a blend of discussion and lectures that lends itself to open dialogue in the class. With Rob's experience in the field of Real-Estate you are able to get a good understanding of concepts as well as how they are practically applied in the real world. I would recommend this class to anyone interested in learning about the Real Estate profession and especially to those that have a busy challenging schedule as he offers exceptional flexibility and student support outside of normal class hours." Matt M. Please feel free to contact Rob Rosa at (860) 558-2122, by...
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Holiday Home Fireplace

This outdoor fireplace would be the perfect place to gather for the holidays! Where will you be celebrating the holidays this year? #holidayhomes #outdoor #fireplace
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Strawbridge Condos in South Windsor CT - Rob Rosa

Looking for a great value on a condo in S Windsor? Visit to learn more: Strawbridge Condos in South Windsor CT - Rob Rosa
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Payday for Borrowers After Foreclosure?

Wow!  Now this is truly interesting in a home market that is appreciating and slowly getting better for sellers...foreclosed home owners might have some $$$$ coming there way! Check this link out to read more about the story:   Payday for Borrowers After Foreclosure?
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17 W Middle Tpke, Manchester, CT For Sale by Rob Rosa and Rubicon Crossings Realty, LLC

See video here   17 W Middle Tpke, Manchester, CT For Sale by Rob Rosa & Rubicon Crossings Realty, LLC Investor or Builder Opportunity.  House is on large lot that has possibilities to be subdivided into total of 3 lots.  In a Res-Com zoning area.  Property is being offered with total lot or selling 2 separate lots too.  Take a 2nd look for investment!
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About Me

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Rob Rosa, Berkshire Hathaway NE Prop.
My focus is helping people increase their lifestyle. I love my huge family and work tiredlessly to help them and my clients everyday. I have been working in real estate since 2000. I have been awarded numerous Top Agent awards and am currently ranked in the Top 1% of the Berkshire Hathaway HomeServices global network, over 52,000 agents. I am also the Founder and Instructor of Rubicon Crossings School of Real Estate: offering state of CT approved pre-licensing class, get info at http://ctrealestateschool.info. My extensive experience is: top producing sales and marketing executive focused on quality service and relationship building. Have over 30 year’s experience helping people in busines, including with two Fortune 100 companies; UPS, UHG and Berkshire Hathaway HomeServices: project management, mortgage lending, residential, commercial and franchise sales, property management and real estate education leader. I live in East Hartford and work all over central CT. My office address is 196 Berlin Turnpike #5, Berlin, CT 06037 and I have been involved in many events in Rocky Hill and Glastonbury. I look forward to helping you every way I can.

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