Follow these 10 tips when you embark on an exciting home remodeling project.
ARM? GPM? PITI? You’d have to be a cryptologist to figure out some of the terms buyers encounter during the home buying process. Doing research on how to buy a house before beginning the process can greatly improve your experience and prepare you for the exciting course ahead. And with this glossary of home buying terms at your side, you can rest easy that your new home won’t get lost in translation.
It’s difficult to pin down one 2021 housing market prediction that will be 100 percent accurate, but there are a lot of compelling points being made from very detailed analyses. Let’s take a look at a few of them.
About Pemi Valley Habitat for Humanity
Pemi Valley Habitat for Humanity is part of a global, nonprofit housing organization operated on Christian principles that seeks to put God’s love into action by building homes, communities, and hope. Pemi Valley Habitat for Humanity is dedicated to eliminating substandard housing locally and worldwide through constructing, rehabilitating, and preserving homes; by advocating for fair and just housing policies; and by providing training and access to resources to help families improve their shelter conditions. Habitat for Humanity was founded on the conviction that every man, woman and child should have a simple, durable place to live in dignity and safety, and that decent shelter in decent communities should be a matter of conscience and action for all.
Clutter can often be a sign of a chaotic lifestyle and it can also represent a very depressed person. You might have ready many articles on the subject and tried a variety of ways to clean up your own space but within days it’s right back to the same old trend of collecting mail or papers you really don’t need. That’s because you haven’t found the decluttering style that best fits your lifestyle. There’s no one way that works for everyone.
It’s been proven. Clutter is a bummer — literally.
Dishes in the sink, toys throughout the house, stuff covering every flat surface; this clutter not only makes our homes look bad, it makes us feel bad, too.
At least that’s what researchers at UCLA’s Center on Everyday Lives and Families (CELF) discovered when they explored in real time the relationship between 32 California families and the objects in their homes. The resulting book, "Life at Home in The Twenty-First Century," is a rare look at how middle-class Americans use the space in their homes and interact with the things they accumulate over a lifetime.
Our over-worked closets are overflowing with things we rarely touch.
It turns out that clutter has a profound effect on our mood and self-esteem. CELF’s anthropologists, social scientists, and archaeologists found:
The beginning of a new year is always a good time to revisit our budgets, credit and saving money any way we can. AHEAD is fulfilling these much-needed services by offering virtual one-hour workshops.
In January they have 4 courses being offered virtually and FREE. Even better, they are making them available during the day as well as in the evening. Their January schedule is as follows:
Stay-at-home orders have led many families to cook together more, sending kitchens into overdrive. All that time prepping meals gives homeowners new kitchen goals: easier maintenance and better hygiene. Here are a few ideas for a fresher style.
New Hampshire Housing offers a number of different homeownership programs to help make homeownership more affordable. While the specific programs may have different income limits, in general, we serve borrowers with incomes up to $135,300.
We offer low downpayment requirements, down payment assistance (up to 3% cash to help with downpayment and closing costs), the homebuyer tax credit (HBTC) (Must be a first-time homebuyer or buying in a targeted community) and low-mortgage insurance options;
Are you ready to buy a home?
Just like every industry, the coronavirus flipped the real estate market upside down, completely changing the way realtors, buyers and sellers do business. The normal spring market is like Super Bowl Sunday every weekend. This year, Realtors were left scrambling to keep everyone safe in the process. Standard showings became Virtual Showings and 3D Tours, and, in some cases, buyers were purchasing homes they’d never stepped foot in.
What does all this mean? In short – due to a previous Executive Order, consumers cannot be evicted or foreclosed on their residence until the original order is lifted. What it doesn’t mean is that consumers are not liable to pay their rent or mortgage, it just gives them some wiggle room during the pandemic to create and adapt an emergency household budget or find other financial resources to pay these debts.
Real Estate is evolving on a daily basis right now and none of us truly know how the story will end. Believe it or not, there are buyers out there that are still looking for their dream home. Those would be the buyers that are confident with their employment situation and have been able to save for the transaction. At the same time there are many homeowners not being pushed to sell because their lender has automatically deferred their mortgage payments. Still, buyers should not assume that because we are in a pandemic they can automatically lowball a seller. Sellers may be more willing, however, to entertain offers on the lower end. The reality is a buyer won’t know how motivated a seller is until they make an offer. Buyers need to keep in mind that no matter how badly a seller needs to sell they may not want to engage with a buyer who low balls an initial offer.
Per orders of Governor Sununu all non essential businesses are to close as of midnight tonight. A Real Estate company happens to be non essential. Our Campton and Lincoln offices will be closed until further notice. Our Realtors on the other hand will continue to do as much as they can from the safety of their homes.
Continued communication with our clients and customers is important to all of us. What does this mean for our sellers: marketing strategies will continue to put your property in the forefront of buyers able and willing to purchase as soon as the restrictions have lifted.
?During this unprecedented COVID-19 pandemic, Alpine Lakes Real Estate is continuing to monitor closely local and world events. With many companies closing their offices and directing their employees to work from home to help reduce the possible spread of this virus, our offices are no different. Currently our offices in Lincoln and Campton are open.
First and foremost, we are taking the safety and health of our Realtors, staff and our clients and customers seriously. We are adhering to the recommendations from our local, state, and federal governments. This is a fluid situation which we are monitoring daily to better adjust and change how we operate within our company.
As the coronavirus spreads, how will it impact New Hampshire’s Real Estate Transactions?
We reached out to many of our most trusted professionals in the field to get their feedback and yet there appears to be only a minimal impact on NH transactions. Though Bank lobbies have been closed across the state, mortgage lenders are still able to meet in person with customers if they so choose and yet there hasn’t been a significant impact on transactions already in process.
Let’s review what has happen over the past 10 years from 2009 to 2019. Steve Loynd, Alpine Lakes Real Estate Inc., managing Broker in our Lincoln New Hampshire office has reviewed and analyzed the last 10 years market conditions. In 2009 there were 73 unites (single family and condominiums) that [...]
With limited inventory available on the market you should take special care when interviewing Realtors you want to work with whether you are selling or buying a home. Here's a few questions to ask those potential agents.
1. What’s your experience with selling property?
There’s no right or wrong answer requiring a full resume, however, you may wish to know if the Realtor sells real estate full-time or part-time and how long they’ve been in the industry. It’s also reasonable to ask how they resolve issues such as discovering a lien after the fact, disputes with property lines, negative property inspection prior to closing etc.
For first-time home buyers, the process can be completely overwhelming. There are contracts, deadlines, inspections, deposits, etc. When you outgrow that first home and decide to sell it and buy something better suited for your current situation you might think it’ll be a piece of cake because you’ve already done it once. Not so fast . . . the process will be equally overwhelming if not more due to regulations put in the place since you purchased your first home.
First, you need to sell your existing home and determining where you’ll live until you find and close on a new home. It’s possible to find a home before you’ve sold your existing residence, but it can be tricky to pull it off, so you may choose to get the first home sold before making an offer on a new one.
Real estate investing involves the purchase, ownership, management, rental and/or sale of real estate for profit. Being a real estate investor isn’t always glamorous but it’s a great way to make your money work for you and build wealth over the long-haul. There are several ways to consider investing in real estate, buying properties with the intention of renting them to generate income,1031 Exchange or buy, fix, and flip to other buyers.
When considering investment options think about this, when you buy a stock, it simply sits in your brokerage account and, hopefully, increases in value. If you invest in a rental property, there are many responsibilities that come along with being a landlord. When the furnace stops working in the middle of the night, it's you who gets the phone call. If you have the skills and don't mind handyman work, this may not be barrier; otherwise, you may need a property manager which, of course, affects your profit.
Credit affects all people; young, old, rich or poor. Credit reports and scores can impact all aspects of our lives; loans, credit card offers, renting an apartment and even job opportunities. Because of this, it’s critical that you understand how credit works and what factors create your credit score.