Home Clarity LLC

08/19/2026

What does a neighborhood owe its future? In Greenwich, a proposal would replace 66 apartments with 176, including affordable housing, while bringing more height and density than current zoning allows.

More homes could mean more opportunity to live there.

But growth also asks existing residents to accept change.

Maybe the real debate isn’t whether Greenwich needs housing.

It’s what we’re willing to change to create it.

Where would you draw the line?

Read more: https://www.greenwichtime.com/news/article/ct-greenwich-affordable-housng-830-g-development-22391258.php

"Six stories? That doesn't make any sense....That's huge, too much." said Greenwich resident Lin Lavery.

08/10/2026

What happens when renting starts to feel better than buying because buying feels increasingly out of reach?
Bridgeport’s new Steelpointe development is bringing hundreds of luxury apartments to the waterfront, offering the lifestyle, location and amenities many people once expected to find through homeownership.

For some, that’s a choice. For others, high prices, mortgage rates and the cost of ownership may be quietly making the choice for them.

If more people stay renters longer, it could reshape where housing demand goes and what homeownership means to the next generation.

That’s the bigger story worth watching.

Residential prices begin at $2,000 for a 447-square-foot studio to about $9,120 for a three-bedroom, three-bathroom, 1830-square-foot unit.

07/29/2026

A 3.5% down payment can make buying a home possible sooner but the smaller upfront cost can mean a higher cost over time.

FHA mortgage insurance is added at closing and included in the monthly payment, often until the homeowner sells or refinances.

The better question may not be, “How little can I put down?” but, “Which loan gives me the strongest position after I buy?”

FHA loans may feature a lower initial down payment than conventional equivalents, but borrowers must pay mortgage insurance as a trade-off. Mortgage insurance is how the FHA and HUD protect their investment while encouraging homeownership.

07/22/2026

Mortgage rates have stayed above 6.5%, and buyers are beginning to pull back. That could make the market more negotiable but not necessarily cheaper.

Fewer buyers may mean longer listing times, seller concessions, price reductions, and more room to negotiate.The opportunity may not be waiting for rates to fall.It may be recognizing when the balance of power begins shifting toward the buyer.

What are you noticing in your local market?

The government-sponsored enterprise (GSE) has released its July 2026 Housing Forecast.

06/29/2026

Homeownership isn’t just about earning equity anymore it’s about knowing how to protect it. When homeowners believe their property assessments are too high, some have the knowledge and resources to challenge them.

Understanding your options may become just as important as understanding your home’s value.

The largest tax challenge in the recent round of cases filed against the town came from the W.R Berkley Corporation.

06/29/2026

The future of a community doesn’t begin when the homes are finished it begins when the investment arrives. Worth the read.

Senator Osten Welcomes $2 Million for Ledyard Habitat for Humanity Development State Senator Cathy Osten (D-Sprague) today welcomed the announcement that the Town of Ledyard will receive $2 million to fund infrastructure for the Colby Drive affordable housing development, the largest Habitat for Hum...

06/23/2026

Connecticut just approved funding for nearly 500 new apartments. Most people see construction. We see a response. When governments, lenders, and developers all start moving in the same direction, they’re usually reacting to the same signal.

Demand.

What do you think the market is telling us?

Several CT communities are getting an affordable housing boost with more than $11 million in federal tax credits.

06/23/2026

How can the same market create opportunity and frustration at the same time? Connecticut earned an F for affordability.

Buyers and renters feel it in higher costs.

Homeowners see it in strong home values.

Builders and investors see a growing need for housing.

The report card measures affordability. What do you think it’s really telling us?

States have a clear mandate to address housing affordability, so we are assigning grades based on how they are doing now and how well they are addressing the future, by building affordable homes. Data now updated for 2026.

06/10/2026

Housing affordability is near historic lows. Most people think that’s only a buyer problem. It isn’t.

Buyers feel it when trying to qualify.

Homeowners see it when fewer people can afford to purchase.

Investors see it in growing rental demand.

The same pressure is reshaping housing across Connecticut.

Most people see separate headlines. We’re watching the same story unfold from different angles.

06/09/2026

First-time buyers now account for 35% of home purchases.Most people assume that means housing is becoming more affordable. But what if the bigger story is that fewer homeowners are willing to give up their 3% mortgages?

Sometimes the most important thing in a market isn’t who’s buying.

It’s who’s no longer selling.

Home sales picked up in May, reaching their highest level since December as more buyers came off the sidelines. First-time buyers were a big part of that story, accounting for 35% of all purchases, the highest share in nearly six years.