Blog :: 2017

Eight Rules of Guest Etiquette

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Living in a small town in Northern NH can certainly have more than a few  surprises, whether it’s a power outage from a storm, or a seemingly random visit from a neighbor. In the season and month of giving it’s important for us to stop and reflect on how to be better neighbors, respectful guests, and or considerate friends. Characters run rampant particularly around the shorter daylight days and holiday season.

It doesn't matters where we live on this vast planet of ours, or what our traditions are, male, female or economic status, the beauty of it is that we all come from different places and backgrounds with different upbringings, with that said, there’s no excuse for bad behavior as a guest in someone’s home, place of business or in your home. I must admit I was a bit of a wild child in my family and I’ve broken nearly every rule and social etiquette at some point in my life, more

12 Tips of Holiday House Hunting

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.

  1. 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.
  2. Check your credit – You don’t want your lender to be surprised by any forgotten accounts – good or bad. more

25 Ways to Prepare Your Home for the Holidays

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.

  1. 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.
  2. Be considerate of your guests’ safety, make sure outdoor lights are working properly and the walkway is free of snow and ice.
  3. 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.
  4. Declutter the main living areas of your home; foyer, kitchen, living room, dining room, etc.
  5. Deep clean your home from top to bottom, you want it to look spic and span but also smell fresh and clean.
  6. 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

Buying in a Sellers Market

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  

Real Estate Investing

According to the U.S. Census Bureau, real estate has consistently increased in value from 1940 to 2006, then proceeded to dip and rebound from 2008 to 2010 and has been increasing overall.

Real estate investing involves the purchase, ownership, management, rental and/or sale of real estate ultimately for profit. Being a real estate investor isn’t always glamorous but it’s a great way to make your money work building your wealth with proper maintenance and upgrades’ as needed over the long-haul.  There are several ways to consider investing in real estate, buying properties with the intention of renting them as a way to generate income, 1031 Exchange or, buy, fix, and flip to other buyers. All involve your due diligence; the old adage of Location, Location, Location should be adhered to.

When considering investment options you can put funds into a 401K, buy  stock in companies you know about and let them sit in your brokerage account or spend a great deal of time hedging with puts and call, all the while hoping you make the right choices  to increase your value. 

On the other hand you can invest in a rental property of multifamily buildings or single homes. Ask yourself if you’re ready to take on the responsibilities of becoming a landlord. more

Veterans Day

Veterans Day

Veterans Day pays tribute to all American veterans living or departed. This well deserved day especially gives thanks to the veterans currently serving our country honorably or are retired from doing so during war or peacetime.

Unlike Veteran’s Day, Memorial Day honors those who died while in military service and Armed Forces Day, a minor U.S. remembrance that also occurs in May, which specifically honors those currently serving in the U.S. military.

 

Did you know Veterans Day originated as “Armistice Day” on November 11, 1919?  The first anniversary of the end of World War I.   Major hostilities of World War I had formally ended on the 11th hour of the 11th day of the 11th month of 1918 but in 1954, President Dwight D. Eisenhower officially changed the name of the holiday from Armistice Day to Veterans Day. to learn more 

Giving Tuesday

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 (Campton Area Resource Center)

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;

Got Lunch! Campton & Thornton, delivering nutritious lunches to students during summer school vacation. Click here to find out how you can help.  To view more ways to help the community…….

Credit – It's More Than Just a Number

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

Waterville Estates NH Community

Waterville Estates, Campton NH

Waterville Estates is a private community providing quality service to its owners. Only two hours north of Boston, Waterville Estates is located in the beautiful White Mountains of NH.

 

Winter, Spring, Summer, or Fall, there is always something to do at or near Waterville Estates.  Whether you are a skier, like to snowshoe or prefer snowmobiles you’re in the right place for easy access to all your winter activities. If Waterville Estates is your summer home or would like it to be, your in luck; there are many things to do for the whole family here; indoor swimming pools, mountain bike, swim outside on the pond, hike, play tennis and much more.  

Would you like to own property in Waterville Estates contact Realtor Art Marks a member of the community for over nine years. He can share the in’s and outs of this beautiful area.   

 As a private community Waterville Estates offers many for their homeowners. As quoted by #lovewvestates “When you buy a property at Waterville Estates your investment includes ownership of millions of dollars worth of communal property”

 

Dinning by boat on Lake Winnipesaukee

The Common Man Brand does and outstanding job of creating a cool atmosphere for dinning, and no place to land is more fun than lake side dinning in Meredith NH.

church landing

The most elegant of the choices, this renovated church became a great restaurant and hugely successful Wedding venue... if you can get in for dinner get a window seat if you can?.

 Church Landing - Mill Falls

 

 

town docks

The town docks is a sand under your feet picnic atmosphere with summer drinks a lighter menu and watermelon for everyone ... plus a ice cream window if you are just passing by.

Town Docks - The Common Man

 

 lago Lago more upscale than the town docks, but not quite as sophisticated as Church landing this spot is great for cocktails, appetizers and meeting friends after a day on the water.

Lago | The Common Man Family of Restaurants

 camp 

The Camp at Mills Falls Market place... this restaurant is a throw back to going to camp with pendants and nick-knacks from your youth away at summer camp. The Mills Falls Market place also has a book store, Candy counter, Ben & Jerry's ice cream, furniture store and other shopping options...as well as hotel rooms and other dinning choices.

Camp | The Common Man Family of Restaurants

The fun has just begun with summer finally coming to the lakes region of New Hampshire. If you find yourself in Meredith pull over and take a stroll...see the boats, have dinner and by all means grab and ice cream.

South Peak at Loon Mt, the Aspen of the East

South Peak on Loon the Aspen of the east?

 south Peak on Loon mt

I know the purist will say there is no comparison; the mountains are more than twice the height out west than on the east coast.  True. But I defy you to tell me these custom built Adirondack style homes are any less grand that the homes in the Rockies.

 slope side at Loon mt

Besides, you can’t take a two hour ride from Boston and ski Aspen any winter day…if you live in New England. When you build Slope side at South Peak on Loon Mountain, you will have a show place that every family member will want to visit all year long.

 

When folks out west saw their real estate bubble burst, our East coast resort registered hardly a blip. South Peak is officially 10 years old it slowly developed with more than half of the ski back lots now sporting a completed home. Not just cookie cutter homes, these Adirondack style custom homes fit well in the neighborhood. And with more than 50 million dollars spent on these spectacular properties, it is safe to say they are here to stay.

 Hemlock Dr Lincoln NH

Lincoln NH offers low property taxes and no state income taxes. The sites come with underground utilities, plus town water and sewer. All homes have easy access to the private homeowner's trails featuring ski-in & ski-out trails, lifts and river frontage on the development.

South Peak Rd at Loon mt 

Whether you are a long term Loon Mountain family or just now considering a ski house that has all the modern convenience for folks on the go…forget Aspen build in New Hampshire.

south mountain on Loon

Don't Ski?... Well the view Spring, Summer, and Fall is Pretty darn nice too.

A limited number of Vacant lots are available for your design build plans.

Alpine Lakes Realty  & Cargill Construction co ... we'll get you home!!

South Peak Real Estate Expert: Steve Loynd 603-381-7898 Call for more information

Deed Restriction in New Hampshire, the good the bad and the ugly...ask the expert.

Deed restrictions and Covenant – good the bad and the ugly- ask the expert?

 

Many subdivisions have strict bi-laws to prevent owners from pitching a tent on their site and camping out. This Covenant comes in the form of “no” a temporary shelters provision. One step further we often see no mobile homes, or a minimum square footage requirement. These guide lines were intended to ensure a homogeneous design and value of homes in a given neighborhood. They were and are a good idea in most cases still.

With the advent of tiny homes, and the idea of lowering ones carbon foot print some (many home owner associations don’t allow clothes lines for example) of these deed restriction make certain subdivisions unsuitable for the new environmental-friendly buyers. That may offer an opportunity for a land owner thinking about completing a subdivision.

As a Realtor I have served on several subdivision boards and walked them through the town approval process… I personally would like to see less restriction required when filing for approvals. But at the same time no restrictions can lead to major heart aches between abutters.

 

I can think of a scenario where we assume people will do what is best for their neighbors, and you will quickly understand not everyone sees a vintage muscle car in parts as a lifestyle choice that doesn’t affect the house next door from selling at top dollar. So maybe not allowing unregistered vehicle to be outdoors is still a good restriction to keep on your deeds.

If you are looking to build a tiny home, a mansion, or a new subdivision in New Hampshire give me a call and let’s talk about your best options. Steve Loynd - 33 year Veteran Realtor... Ask the Expert. 603-745-3601 / steve@alpinelakes.com

 

 

New Hampshire Condominiums purchased with second home loan…ask the expert.

New Hampshire Condominiums purchased with second home loan…ask the expert.

 

A great choice for many looking for a family get away is an association managed property; this most often comes in the form of a condominium. But can also be a single family property within a home owners association.

 South Peak on Loon Mt, Lincoln NH

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What you need to know when seeking financing:

Fannie Mae is the Quasi-governmental entity that controls the mortgage markets in the U.S. they generally offers the most competitive rates when seeking a property loan. The down side when it comes to condominiums is they sell there note on the secondary market so the property has to be squeaky clean and vanilla in flavor.  The risk of putting your eggs in this basket is the Mortgage Originator (your loan officer) will require a condo questionnaire to be completed and reviewed by the underwriting department.

This can take a lot of time if this lender hasn’t completed a loan in this project before…and the pit falls are many.

            Deer Park , Woodstock NH

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 Issues that can derail a Fannie Mae loan on a condo:

1) If there is an on-site rental program, or if a simple on-line search shows one or more condo owners are advertising their units for a private rental (Air B&B or other sites)

2) If with in the entire master plan project there is any timeshare units with in the association

3) If one owner owns more than one condo and that number exceeds 10% of the total projects gross # of units.

4) Similar to above…if 10% or more are for sale (or) 10% or more are delinquent in their dues.

 

The Solution…is a portfolio loan. This is not a shady back room loan shark deal. In fact many times your same lender has in-house money they can loan on properties that your bank’s local committee can use to accommodate real estate not qualified for Fannie Mae consideration. The key here is to work with a lender that has both and can switch you to a program that works. If your independent mortgage broker can only place secondary mortgage market loans…please don’t go down that road – you’ll miss the contingency dates and can lose the property or even lose deposit money in a worse case.

    Jack O Lantern Golf Resort, Woodstock NH

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Hire Alpine Lakes Real estate to help you buy or sell and condominium, we know what to look for, and can create a smooth transaction for all.

 

A few other helpful hints when looking at Condominiums:

 

* ask to review the minutes of the last  2 homeowners meetings, more time than not up coming special project and expenses are a topic of these meetings and a new $10,000 roof is an important factor in buying.

* ask to see the current budget and monies held in capitol reserves for future common area projects under consideration for your condo project.

* Ask about on-site pet policies, as some projects don’t allow pets of any kind, while others allow owners but not renters to have a furry friend.

 

          Forest ridge Lincoln NH

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Call Alpine Lakes Real Estate co Inc. 800-926-5653

 

 

Exploring the real estate of the White Mountains of New Hampshire

    Forest Ridge in Lincoln & Deer Park Resort, Woodstock New Hampshire are just two of the 4 seasons recreational places to land. 

                        

Offer a view of Loon's South mountain ski slopes...or a man made swimming pond, you can't go wrong with either.       

A funny thing happened on the way to the ski slopes at Loon Mountain?

We found that we loved the white mountains in the Spring - Summer - Fall and Winter...It's not just a place to ski, it is a feeling that families seek out to reconnect and find the time to listed to each others stories.

                    

The Journey is as important as the destination. Two hours in the car on the way to the mountains can be the most important part of the trip. Parent have a captured audience, ans they sometimes reveal more about their school, friends, sports...likes and dislikes during those road trips. The Bonus of course is the recreational goals when they get to New Hampshire's best attraction...the forest.

          

Enjoy the destination, but don't forget the trip starts when you leave your driveway. See you soon in the White mountains Of New Hampshire.

   www.alpinelakes.com           real estate in the mountain 800-926-5653

Memorial Day Events and Open House at Coolidge Falls!

With Mount Washington breaking records with its largest snowstorm in May with 33.3" of snow, we are all looking forward to warmer weather here in the White Mountains. Memorial Day Weekend kicks off our summer season and all the great attractions in the area are opening! Here at Alpine Lakes we are all excited for the upcoming Celebration of the Lupine and Dinner Train rides.

We are also excited to host an open house at 54 Flume Road, Lincoln in Coolidge Falls on Saturday, May 27th from 11am to 2pm. Stop on by when you are in town!


This beautiful single family home in Coolidge Falls provides you everything you are looking for! 6 bedrooms, 5.5 bathrooms, open concept with views of Loon Mountain!


The 1st floor has an open floor plan with hardwood floors throughout the kitchen, dining room, and formal living space. Enjoy a cozy evening in front of your gas
fireplace, with stone work around 3 sides, with a glass of your favorite beverage from your wet bar. Kitchen offers stainless steal appliances and maple cabinets.

Next step into your den with large windows and a gas stove for extra warmth after a long day of skiing. The first floor also has the 1st of 2 master bedrooms with an en suite with a large soaking tub and double sink vanity. There is also a half bath on the 1st floor for your guests.

On the 2nd floor there are 2 bedrooms with en suites, and 2 additional bedrooms that share a full bathroom.

In the basement there is an all purpose rec/playroom, which can be used as a 6th bedroom, with beadboard ceiling and a full bathroom. There is also a large mudroom, laundry room (laundry shoot from top 2 floors), and a ski locker room with your very own sauna. The 2 car garage will fit all your toys.

Two decks, one off the front with views and one off the back. The next door lot can't be built on, which gives you extra privacy. The White Mountain National Forest is your backyard!! This home comes fully furnished, so just come on up and enjoy! Membership at Village of Loon can be transferred at closing.

 

MLS: 4627272 Price: $750,000

Looking for other fun activities for the weekend?  Here are just a few that the area has to offer:

 
Café Lafayette Dinner Train - Begin your two-hour, 20 mile round trip train ride with us pairing a convivial ambiance with classic cocktail offerings or one of our fine domestic or international wine selections. As we roll down the Pemigewasset River Valley at a leisurely pace, enjoy perfectly harmonized service and our beautifully plated fare highlighting quality seasonal ingredients selected and prepared on board by Chef Doug Trulson and his talented culinary team. May 27th and 28th all aboard at 5:15pm
http://cafelafayettedinnertrain.com/

 
Loon Mountain - Summer Activities include Ariel Forest Adventure Park, Gondola Rides, Ziplining, Bike Rentals, and much more! Memorial Day Weekend hours 10am to 5pm
http://www.loonmtn.com/experience/summer-activities

 
Clark's Trading Post - Watch a famous Black Bear Show, ride a Steam Train, be chased by the Infamous Wolfman, and be amazed by Chinese Acrobats! Open Memorial Day Weekend 10am to 4:30pm
Lost River Gorge & Boulder Cave - Follow the Lost River to explore jagged rock walls, gigantic boulders, rock-strewn glacial caves, and cascading waterfalls. May and June hours 9am to 5pm.   
 
Hobo Railroad - Travels through a naturally wooded setting along the twisting Pemigewasset River. Train rides May 27th & 28th at 11am, 1pm, and 3pm and May 29th at 11am and 1pm
Flume Gorge - Enjoy a 2-mile self-guided nature walk through the Flume Gorge, a spectacular natural chasm. Along the walk you will discover covered bridges, amazing waterfalls, a scenic pool, and incredible mountain views.Opens for season on May 5th. Hours 8:30am to 5pm
Celebration of the Lupine - The Annual Fields of Lupine Festival has changed and is now an Annual Celebration of Lupines. In June in the N.H. towns of Bethlehem, Easton, Fraconia, Lincoln, Lisbon, Littleton, Sugar Hill, Woodstock enjoy the blooming lupine flowers. Various events will be held throughout the month of June. 
Sugar Hill Lupine Market - Open-Air Market. Vendors, Artisans, Events, Free Concert - June 3 and 4 from 10 am to 4 pm.

Welcome to our new blog!

We look forward to making this the best resource for information about real estate, our local area, and current topics that impact you. Please feel free to comment on our posts if you have questions or reactions to share. If there is anything you'd like to see us write about, we'd love to hear your ideas.