Jerel Nembhard - Carey & Guarrera Real Estate

09/16/2026

The Rising Cost of Homeownership: A Perspective on Mortgage Rates

The difference between a 2.17% mortgage rate and a 7.17% mortgage rate is substantial.

Consider a $500,000 mortgage amortized over 30 years:

At 2.17%: $1,891 per month.

At 7.17%: $3,384 per month.

That represents approximately $1,493 in additional monthly payments and more than $537,000 in additional borrowing costs over the life of the loan.

These figures illustrate how significantly interest rates influence purchasing power, housing affordability, and long-term wealth accumulation.

However, higher borrowing costs do not necessarily mean that purchasing a home is the wrong financial decision. Purchase price, negotiating leverage, seller concessions, equity appreciation, and the possibility of refinancing are all important considerations.

My perspective as a real estate professional: The decision to purchase should be based on financial readiness, long-term objectives, and the ability to comfortably sustain the mortgage payment at today’s rate—not speculation about where rates might be tomorrow.

The housing market has changed. The importance of making informed, financially sound decisions has not.

Jerel Nembhard | REALTOR®

Serving Connecticut Statewide

05/30/2026

🏡 JUST CLOSED | 17 Davis Street | New Haven, CT

In a competitive Highest & Best situation, my clients secured this 3-family investment property for $540,000 and took another step toward building long-term wealth through real estate.

One of the biggest lessons from this transaction? Don’t let your equity sit idle.

By strategically leveraging equity through a HELOAN, my clients were able to access capital they already had and put it to work acquiring an income-producing asset.

Real estate isn’t just about buying property. It’s about using the tools available to create opportunities and build a stronger financial future.

A special thank you to Dan Latrella for helping make the financing come together and Attorney Wetmore for guiding the transaction smoothly to the closing table.

Congratulations to my clients on adding another investment property to their portfolio. Excited to see what’s next.

05/28/2026

UNDER CONTRACT 🔑🏡

In today’s housing market, homes with in-law setups are becoming more valuable than ever.

With inventory still tight and prices remaining high, many larger families are looking for flexible living arrangements that allow everyone to stay together while still maintaining privacy and space.

An in-law setup can create opportunities for:
• Multi-generational living
• Shared housing costs
• Extra space for family members
• Long-term flexibility as needs change

30 Lucy St offered exactly that — a home designed for both comfort and practicality in today’s market. Thanks to Michael Smith for securing the loan.

Representing your best interests every step of the way. 🤝

04/29/2026

Under contract on two strong opportunities in New Haven and Shelton.

One for cash flow. One for appreciation.

This is how you scale a portfolio the right way.

If you’ve been thinking about buying your first investment or leveling up, now is the time to get a strategy in place.

Reach out and let’s talk.

01/24/2026

Whether you’re buying your first home or building your investment portfolio, having the right guidance matters.

I’m here to help you move with confidence.

📞 (203) 382-3610
📧 [email protected]

Let’s make smart moves together.

01/07/2026

Like many Shelton homeowners, I’ve been paying close attention to the recent property revaluations. I understand the concern — especially when you see large percentage increases.

My own home value increased by approximately 37%, so I’m navigating this process right alongside everyone else.

It’s important to remember that a higher assessment does not automatically mean higher taxes. Revaluation updates values, not tax bills. If assessments rise broadly across the city, we typically anticipate mill rate adjustments, which helps soften the impact on actual taxes owed.

Based on how revaluations work historically, I don’t anticipate most residents seeing dramatic tax increases. I also have confidence that current city leadership will work to maintain stability and protect residents while keeping Shelton on a responsible path forward.

This flyer is meant to inform — not alarm. If you have questions about how your property compares or how this may play out, I’m always happy to help explain.

01/05/2026

📊 Connecticut Housing Market Update | 2025–2026

Home values across CT continue to climb, inventory remains tight, and demand is holding strong — even heading into 2026.

📈 Projected appreciation: 3–4.5% statewide
🏡 Seller conditions remain favorable
📍 Strong demand across Hartford, New Haven & Fairfield County

Thinking about buying, selling, or investing this year?

I’m happy to walk you through what this means for YOUR situation.

— Jerel Nembhard
Connecticut Realtor®
Carey & Guarrera Real Estate

FairfieldCounty NewHavenCoun

12/18/2025

As we wrap up the year, I want to take a moment to say thank you to every buyer, seller, and tenant who trusted me with one of the biggest decisions of their lives.

📊 2025 :
🏡 Over $1.05M in closed sales
🔑 Nearly $77K in rental volume placed

Whether it was purchasing a first home, upsizing, investing, or securing the right rental, I’m truly grateful for the opportunity to serve you.

Here’s to continued growth, relationships, and success in the year ahead.

Thank you for trusting me with your real estate goals.

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12/05/2025

Serving Those Who Serve Our Community

As a member of law enforcement and local REALTOR®, I’m committed to giving back.

For all First Responders, Nurses, Teachers, and Military Members, I’m offering a $1,000 closing-cost credit when you buy a home with me.

This is my way of saying thank you for everything you do.

If you’re thinking about buying in 2025, let me help you save money while guiding you through a smart, stress-free purchase.

📲 Message me to see if you qualify
🌐 JNembhardRealtor.com

Shelton CT Homes for Sale and Real Estate. Jerel Nembhard specializes in Homes and Listings, representing both Home Buyers and Home Sellers.

12/05/2025

Serving Those Who Serve Our Community

As a member of law enforcement and local REALTOR®, I’m committed to giving back.

For all First Responders, Nurses, Teachers, and Military Members, I’m offering a $1,000 closing-cost credit when you buy a home with me.

This is my way of saying thank you for everything you do.

If you’re thinking about buying in 2025, let me help you save money while guiding you through a smart, stress-free purchase.

📲 Message me to see if you qualify
🌐 JNembhardRealtor.com