Blog :: 06-2019

Deed Restrictions a Blessing or a Curse

Many subdivisions have strict by-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 guidelines were intended to ensure a homogeneous design and value of homes in a given neighborhood. They were and are still a good idea in most cases.

Mold Issues Part #2

According to Doug Kaufmann the Author of The Fungus Link: An Introduction to Fungal Disease,: “Mold, a certain type of them make a byproduct that is called a micro toxin, so it’s a mold poison”.

With Functional Medicine micro toxins are often looked at as a piece of the picture. In the micro toxins profile the individuals mold exposure challenge is often realized. Dr. Dietrich Klinghardt of the Sophia Institute talks about “treating the mold that’s inside you and shutting down the mycotoxin production that way”. He further states “we always start with the heavy metals to acknowledge there is a link between mercury toxicity and mold”. Dr. Klinghardt further states “that when you threaten a mold with an effective remedy, that mold will crank up its production of mycotoxins” It’s important to have your liver ducts open and working optimally. This information was discovered in the TOXIC MOLD SUMMIT of 2019.

Steps to Improve Your Credit Score

Your Mortgage lender analyzes these five “steps” when considering your loan application and you can help the likelihood of being approved for a loan by knowing them. 

#1) Payment History: The Good can outweigh the Bad… pay your bills on time. Pay even if you are late – do not wait until it goes to  collections. The older a delinquent payment is the less it impacts your score.

The highest Credit score rate is 850. The best interest rates are given to those with scores above 740; a score under 620 is not
likely to get approved through a traditional mortgage lender.

For Sale by Owner Not Such a Great Deal!

You think you’re getting a great deal when you purchase a For Sale by Owner (FSBO) property, but buyer beware – things aren’t always as rosy as they seem.  Here’s a real-life example of just one of the many things that can go wrong.

I had a seller on the sale of a condo in the White Mountains. My seller listed their property with me and during the normal disclosure reported that they had no mortgage on the property. As the transaction moves forward and it comes time to close, we should expect a simple transaction and no lender to chase for a discharge, right? Wrong!

Private Road Bill Passes in NH

“Many times, in the past buyers have called about properties they want to view and potentially buy, only to find out that a financing option was not available due to the fact the access is on a private road. We have informed the sellers a solution which is to get everyone on the road to sign a joint maintenance agreement. This would state who would take care of the plowing, and general upkeep of the common road, and the financial responsibility. This document would need to be recorded and run with the property deed. The problem is not everyone is willing to do that, after all, why put yourself on the hook for this expense if your neighbor is willing to plow for free because that individual has a truck and plow?”

Guest Blog: Spring Home Shoppers No.1 Competitor: Their Budget

This spring's home shoppers expect less competition overall as more inventory continues to hit the market nationwide, but will struggle with affordability as home prices continue to rise, according to new survey data released today by realtor.com®, the Home of Home Search?. The survey also found, nearly half of shoppers this spring are looking for homes at or under $200,000, which despite less competition will prove difficult to find, as this one segment of housing has actually experienced the largest inventory decline year-over-year.