What could possibly be better than visiting the White Mountains….. how about living here seasonally or full-time. Due to the quality of life offered in this scenic paradise, families and individuals everywhere give up their lifestyles, career opportunities, friends, doctors and many other providers for the privilege of living in New Hampshire's White Mountains.
It’s a seller’s market; I don’t need a real estate agent to sell my house. I can throw a for-sale sign up and start moving next week. Stop! Have you really thought that through? Do you really know what a real estate agent can do for you? Let’s take it from the top and talk about the big three; money, liability and [...]
You’ve finally made the decision that this is going to be the last summer you’ll be a renter. You’ve started to stash away some funds so you can buy your own home at last; but wait, do you know what your credit rating is? Knowing exactly where you stand as far as creditworthiness is an essential step. If you haven’t done so already, you should sign up for a free service like Credit Karma to view and monitor your credit. Often times consumers find there are things on their credit report that come as a complete surprise to them. Sometimes those things are legitimate like the credit card you got in college and never paid for or a medical bill that’s been turned over for collection, but sometimes, negative information can be an error that will continue to hurt you until it’s addressed.
You finally find a home that’s right for you and have a signed Purchase and Sales agreement, now what? Hopefully before you signed the contract you made sure to include an inspection clause that makes your transaction contingent on the findings of a professional home inspection. This clause should include the terms and conditions to which both the buyer and seller are obligated.
You want to maximize the listing price of your New Hampshire home and reduce the number of days it’s on the market without spending money on upgrades? I don’t know about you but I’m all about saving money so if you’re like me this is what you do; completely de-clutter the entire house and the best part is that, it’s [...]
Most everyone has a parent, aunt, uncle, cousin, co-worker or friend who owns their home and is full of advice that you should follow. Listen to them and you’ll derail your dreams by believing a lot of myths. Truth be told, there’s a lot of misinformation out there about buying a home and you also must consider that Uncle Joe bought his [...]
It’s selling season and homeowners everywhere are sprucing up inside and out to attract buyers to their properties. It may be a seller’s market but you still have to put some effort into making your property stand out. The outside of your home is the first thing a buyer will see, if it’s not visually pleasing they won’t go up the walkway [...]
It’s a seller’s market and the best way to arm yourself with some excellent negotiating tools is to become pre-approved before you start working with a Realtor. But before you begin researching lenders, get your credit report! You can do this free through [...]
When you begin the home buying process you are immediately thrown acronyms and new terms from professionals at every turn. Here’s a list of 10 most frequently used terms to get you started with the [...]
Your dream of owning a home can become a reality if you set realistic goals, get sound advice, plan carefully and clearly understand the costs of home ownership. Let’s face it, it’s not like we took Home buying 101 in school and navigating through, or even starting the process, can be overwhelming. The good news is that there are a multitude [...]
Real estate tax assistance is real and you should see if you qualify! The Low & Moderate Income Homeowners Property Tax Relief program offered by the New Hampshire Department of Revenue was created to decrease the economic burden of the State Education Property Tax on certain at-risk taxpayers.
The amount of relief received varies with the [...]
Buying your first home can be emotionally and financially challenging. With rising home prices, limited inventory, down-payment requirements and upfront closing costs, it’s enough to overwhelm someone right out of the process. In New Hampshire some local banks recognize how difficult entering the housing market can be and able to offer some [...]
According to the IRS, in Fiscal Year 2016, the average individual income tax refund was about $3,050. Suggestions of what to do with this chunk of change are endless but certainly, amongst those ideas, must be homeownership. After all, purchasing a home is a great investment. Unfortunately the big picture of the situation isn’t whether you [...]
Whether you planned to search for a home during the holiday season (November to January) or outside forces made the decision for you, you’re actually house hunting at a good time. While there is less inventory in July, there will also be less competition. There are more advantages at this time of year as there are fewer buyers for one and the homeowner; if their property has been on the market for a while may let the sale of their property go below asking price. Sellers may be willing to stay in their homes through the end of the calendar year, but rest assured, they’ll want to seal the deal for the New Year. Just because there are limited buyers doesn’t mean you’ll get a fire sale price, sellers who keep their homes on the market through the winter typically are motivated but also willing to wait until they get a fair and reasonable offer. Every home and every seller are different; here are 12 tips to remember when looking for a home during the holidays.
- Balance your budget – Have a firm number you can comfortably afford for a mortgage. The last thing you want to do is make yourself house-poor.
- Check your credit – You don’t want your lender to be surprised by any forgotten accounts – good or bad. more
It’s the most wonderful time of the year! The cold weather is settled in and holiday gatherings are on the horizon. Filled with family time and long-standing traditions, the season is bursting with joy. It’s the perfect time to create memories with family and friends but, if you don’t plan ahead, you could find yourself quite overwhelmed with all the details. Check out our 25 tips to help you get prepared for any size gathering.
- Start decorating early, get your outside lights and decorations up before the weather gets cold – or it snows. This doesn’t mean you have to turn them on until you’re ready.
- Be considerate of your guests’ safety, make sure outdoor lights are working properly and the walkway is free of snow and ice.
- When adding a fresh pine wreath to your front door, spritz it with water then with hairspray. This preserves your wreath and it will last longer.
- Declutter the main living areas of your home; foyer, kitchen, living room, dining room, etc.
- Deep clean your home from top to bottom, you want it to look spic and span but also smell fresh and clean.
- Create a warm and welcome first impression by organizing your foyer; clean up the space by removing extra shoes and coats. Add a bench where guests can sit to remove their boots and decorate the area with tasteful lights and greenery. more
If you’re looking to purchase a new home in a seller’s market you are likely to hit a few barriers; limited inventory and increased competition from other buyers, just to name a few. The best offense is a good defense so be sure to get pre-approved with a reputable lender and have hearty funds on hand for a down-payment. Accept that you are trying to buy in a seller’s market and prepare yourself to be patient until the home in your area and price-range comes along.
While you’re waiting for that one home to come on the market, use the time to become familiar with listings in your area. Pay particular attention to listing prices in comparison to the amount a property actually sells for. Most local real estate agencies have a link on their website for sold properties. In Waterville, Campton and Thornton, NH, single family homes are selling for an average of 91% of the listing price. Keep this in mind when you’re putting together an offer, you don’t want to submit an more
Black Friday… Cyber Monday… Giving Tuesday
Giving Tuesday is a day of giving which is celebrated the Tuesday after Thanksgiving. This global movement is fueled by the power of social media. Won’t you consider giving to these organizations providing services right here in our local community.
In the great words of Winston S. Churchill…"We make a living by what we get. We make a life by what we give."
CARC has been serving area residents since 2008; their delivery system includes four main programs.
~ Thrift Shop, offering discounted clothing, furniture, books and housewares;
~ Food Pantry, providing food for those in need;
~ The Hancock Fund Financial Assistance Program, helping those in emergency financial crises;
Having a good credit score isn’t just necessary for financing a home; it’s also used to keep insurance premiums down and for screening applicants by some employers. The use of credit scores is the same across the board, It’s to mitigate risk, plain and simple. Banks want to know if they lend $300,000 for a home that they will get the money back within the terms set forth in the loan. The insurance industry has also proven time and time again that individuals who pay their bills on time have less insurance claims. And now employers are using credit scores with the same premise that on time bill payers make better employees. How does your credit score stack up? Check out this chart and see which category you fall in to. If you don't know your credit score you can sign-up for free with Credit Karma. Learn more on how insurers use credit information. more
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