• Kindergarten is offered as both half and full day programs.
• Regional Center for the Arts training in music & theater for grades 9-12 at no cost.
• Independent study programs are available for high school students.
• Proficiency required in word processing, spread sheet, database & file maintenance.
• Double period classes in Graphic Arts, Food Service, Early Childhood Ed. & Aeroscience.
• Fairfield High School is accredited by the New England Association of Schools & Colleges.
• The high school also participates in the University of Connecticut Cooperative Program.
  

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• 75% of students participate in one or more sports teams.
• 55% if students involved in the performance component of the Fine Arts Program.
• 98% of the staff holds a master's degree.
• Early Learning Center & "Hand in Hand" pairs regular and special needs pre-schoolers.
• Weston High School is accredited by the New England Association of Schools & Colleges and was recognized as a Blue Ribbon School by the State Dept. of Education.
• The high school also participates in the University of Connecticut Cooperative Program.
• Big Brothers/Big Sisters Program is active at the High School.
• The average drop out rate is less than one student per year.
• College credit at the University of CT is awarded to outstanding students.

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• Westport's student population is growing.
• The Fine Arts program is an integral part of the curriculum.
• Staff members frequently win awards and grants for their vanguard programs.
• Students have received state recognition for leadership in humanitarian projects.
• Transportation is provided for out of district special education placements.
• Students customarily score very high in state and national standardized tests.
• Parents play an active role in the school system through PTA's & advisory committees.
• 93% of the staff have advanced degrees; 17 have earned doctorates.
• Gifted students are identified in grade 2 & get specialized instruction from grade 3.
• Athletic teams regularly win championships and good sportsmanship awards.
• The high school is accredited by the New England Association of Schools & Colleges.

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• Wilton offers before school child care and extended day kindergarten.
• After School Extended Day Program is offered to students in grades K-8.
• All Wilton schools have received the U.S. Department of Education Recognition.
• Miller School has been recognized as 1 of 8 outstanding Elementary Schools in the country.
• Miller School is recipient of President's Excellence in Education Award from U.S. Dept. of Education.
• Redbook magazine recognized Miller School as top public Elementary School in America.
• Project Adventure Program in physical education classes at Middlebrook Middle School.
• 89% of faculty members have completed Masters, 6th Year or Doctoral degrees.
• Wilton High School is accredited by the New England Association of Schools & Colleges.
• Between 35-40% of the HS student body participates in Music Programs.

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• U.S. Department of Education declared Joel Barlow High School an "Exemplary School".
• High School was also the recipient of the National Blue Ribbon Schools Award and Redbook's America's Best Schools Project Award.
• High School is accredited by the New England Association of Schools & Colleges and CT Department of Education.
• Vocational & Independent Study programs are available at the High School.

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You may be able to assume the seller's mortgage liability when buying a house instead of having to apply for a new loan.

Assuming a loan could minimize your down payment or closing costs and get you a more advantageous interest rate. To know whether an assumption will work, find out the loan balance. If the balance is a small fraction of the purchase price, you will have to come up with a large down payment or get a second loan for the difference, unless the seller is willing to provide some of the financing. If the loan balance is high, the loan may have been made when interest rates were higher than they are today.

Most newer loans that are assumable have adjustable rates. If you are considering an assumption because of credit problems, you will need the lender's approval to make the transaction work.

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Melanie Smith
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