Sherman Jerry
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Jerry & Maureen Sherman would like to welcome you to our website. Over time we have studied many real estate websites and applied our own expertise to bring you the most comprehensive and informative real estate for sale site to serve as a resource for our Connecticut Shoreline real estate home buyers and sellers.

Ranked in the Top 1% of all real estate agents in the country, Jerry & Maureen Sherman are members of the William Raveis' coveted "Chairman's Elite Circle", "Certified Exceptional Property Specialist", National Association of Realtors (NAR), Certified Buyer Representatives (CBR's) and Accredited Buyer Representatives (ABR's).

Jerry & Maureen specialize in CT Shoreline real estate such as Madison CT waterfront homes, Guilford CT luxury real estate and unique homes for sale along Connecticut's Shoreline - including single family houses, condos, multi-family homes, land and investment properties in Madison, Guilford, Branford, Westbrook, Killingworth, Clinton, Essex and Old Saybrook, CT.
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Jerry and Maureen specialize in waterfront, luxury and unique homes along Connecticut's Shoreline, including Madison, Guilford, Branford, Westbrook, Clinton and Old Saybrook.
Ranked in the Top 1% of all agents in the country, they are members of the William Raveis' coveted "Chairman's Elite Circle", "Certified Exceptional Property Specialist", and Accredited Buyer Representative.
Jerry and Maureen are full time professionals, available 7 days a week and are the top listing and selling agent in their office.
The Connecticut shoreline rests upon the Long Island Sound, the body of water separating Connecticut from Long Island, New York.
The shoreline is famed the "Gold Coast" because of the affluent communities situated along the shore.
Mansions and wealthy neighborhoods characterize a good portion of the coast of the Sound from Greenwich to beyond Madison in Connecticut.
The property values along the coast of the Long Island Sound are among the highest in the nation, mostly due to the proximity to New York City and "the Sound".
Decide how much home you can afford.
Generally, you can afford a home equal in value to between two and three times your gross income.
Select three or four neighborhoods you'd like to live in.
Consider items such as schools, recreational facilities, area expansion plans, and safety.
Determine if you have enough saved to cover your downpayment and closing costs.
Closing costs, including taxes, attorney's fee, and transfer fees average between 2 percent and 7 percent of the home price.
Do research to determine if you qualify for any special mortgage or downpayment-assistance programs.
Your first step in the process of buying a home is to determine how much you can afford to borrow.
A basic rule of thumb is that a lender will want your monthly mortgage payment to be no more than 29% of your monthly gross income.
There are many different kinds of mortgage programs available.
It is best to do some research about the pros and cons of each program.
A real estate broker can help you understand the steps you will need to take, and can refer you to a reputable mortgage broker or service.
The decision to buy a home can be one of the most valuable and important investments one can make.
Therefore it is important that you are familiar with the mortgage process so that you can wisely finance your home.
Essentially, a mortgage is just a loan that is used to finance the purchase of property.
The property itself is used as security to ensure repayment until you have repaid the entire amount plus interest.
There are many types of mortgages on the market and finding the right one can be an overwhelming project.
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