Tag Archives for " buy "

Essentials Factors for Fixer-Upper Success

fixer-upper success

Southern New Hampshire Fixer-Upper Success

Investing in a fixer-upper property in Southern New Hampshire can be a rewarding venture, offering the chance to create your dream home and potentially increase its value. However, beyond the common considerations, there are specific factors you should take into account when seeking Southern New Hampshire houses for sale with fixer-upper potential. In this article, we'll explore additional aspects to ensure your fixer-upper success in Southern New Hampshire.

Location Matters:

When searching for fixer-uppers in Southern New Hampshire, consider the neighborhood's desirability. Research the local real estate market and look for areas with a history of value appreciation. Proximity to schools, amenities, and public transportation can also impact your fixer-upper success.

Resale Potential for Fixer-Upper Success:

Think long-term. Are you planning to live in the property or sell it later? Understanding the resale potential in Southern New Hampshire is crucial for your fixer-upper investment. Look for areas with a track record of steady growth in property values as part of your investment strategy.

Zoning and Permits:

Different areas in Southern New Hampshire may have specific zoning regulations and permit requirements. Verify if there are any zoning restrictions or historical preservation regulations that could impact your renovation plans. Ensure you are compliant with local building codes.

fixer-upper success
Image by elbym from Pixabay


Local Contractors:

Establish connections with local contractors in Southern New Hampshire who have the experience with a fixer-upper success. They understand the local real estate landscape and can provide valuable insights and assistance during your renovation journey.


Unique Environmental Factors:

Be aware of unique environmental considerations in Southern New Hampshire, such as the presence of natural resources, wildlife, or specific weather-related challenges. These factors can affect your renovation plans and maintenance costs.


Insurance and Liabilities:

Review your homeowner's insurance to ensure you have adequate coverage during the renovation process in Southern New Hampshire. Renovation work can introduce additional liabilities, and it's essential to be properly protected.

Project Management for Fixer-Upper Success:

Effective project management is key to your fixer-upper success in Southern New Hampshire. Create a detailed timeline, schedule, and task list to stay organized. Local project management expertise can be invaluable.

Energy Efficiency and Sustainability:

Southern New Hampshire is increasingly focusing on energy efficiency and sustainability. Consider incorporating eco-friendly features and energy-efficient upgrades, such as insulated windows, LED lighting, and energy-saving appliances, to align with the growing demand for eco-friendly homes.

Local Market Trends:

Stay updated with local Southern New Hampshire real estate market trends. Understanding what buyers are looking for can help you make renovation choices that resonate with potential buyers when you decide to sell.

Consult a Real Estate Professional for Fixer-Upper Success:

Consider consulting a local real estate professional who specializes in Southern New Hampshire houses for sale, especially those with fixer-upper success. They can provide insights into the current market, recommend areas with investment potential, and help you make informed decisions.

Success in the world of fixer-uppers in Southern New Hampshire requires a comprehensive approach. Beyond the common considerations, understanding the local market, zoning regulations, and unique environmental factors can make a significant difference. With the right knowledge and local support, your journey in Southern New Hampshire real estate can be a prosperous one, turning your fixer-upper into a valuable asset.

Reach out to our knowledgeable Agents for more information on your fixer-upper success.

Article Image by Tom from Pixabay

A Step by Step Guide to Buying a Fixer-Upper

fixer-upper success

South Nashua – Buying a Fixer-Upper

Buying a fixer-upper property in South Nashua is an appealing option for real estate investors. Not only can you personalize your dream home and make a smart financial decision, but South Nashua also offers a unique real estate landscape. Fixer-uppers present an excellent opportunity to own a property in this desirable location.

A fixer-upper is a real estate asset that needs renovation or repairs, presenting an opportunity for substantial resale appreciation. It also gives you the ability to craft a living space tailored to your specific tastes.

However, this choice comes with its unique set of challenges and considerations. In this article, we'll delve into the advantages and disadvantages of buying a fixer-upper in South Nashua. This will also provide invaluable renovation tips to aid your decision-making process.

Pros of Buying a Fixer-Upper in South Nashua:

Lower Purchase Price:

Fixer-uppers in South Nashua are often priced more affordably than move-in-ready homes. This allows real estate investors to acquire a property in a desirable location at a more budget-friendly cost.

Potential for Value Appreciation:

Through strategic renovations and improvements, you have the potential to substantially enhance your property's value. Take advantage of South Nashua's growing real estate market.

Customization and Personalization:

Purchasing a fixer-upper in South Nashua affords you the opportunity to tailor the property to match your unique style and preferences. You can blend your tastes seamlessly with the local charm and character of South Nashua.

Investment Opportunity:

With meticulous planning, purchasing a fixer-upper in South Nashua can evolve into a profitable real estate investment. Capitalize on the city's demand for quality homes.

buying a fixer-upper

Cons of Buying a Fixer-Upper in South Nashua:

Renovation Costs and Time:

Renovating a fixer-upper property in South Nashua can be a time-consuming and costly endeavor. Unexpected repairs and delays can arise, necessitating prudent budgeting and patience in this competitive real estate market.

Required Expertise:

Renovating a property in South Nashua demands a certain level of expertise in construction and design. If you lack the necessary skills, you may need to engage contractors, which can contribute to the overall costs.

Potential Undiscovered Issues:

Older properties in South Nashua may harbor concealed issues or structural problems that may only become apparent during the renovation process. A thorough inspection is indispensable before buying a fixer-upper. 

Temporary Housing Arrangements:

Depending on the scope of the renovation in South Nashua, you may need to arrange for temporary housing during the construction phase, which can augment your expenses. Ideally, it is easier to live in another home while you renovate your fixer-upper.

Renovation Tips for Buying a Fixer-Upper in South Nashua

Prioritize Essential Repairs:

Address structural and safety-related issues, ensuring that your South Nashua property is safe and compliant with local regulations.

Create a Realistic Budget:

Establish a comprehensive budget that encompasses both the purchase price and renovation costs, factoring in South Nashua's competitive real estate market. Prepare for unforeseen expenditures and contemplate setting aside a contingency fund of at least 10% of your budget.

Plan for Phased Renovations:

If the extent of renovations is extensive, consider breaking them down into phases to navigate South Nashua's real estate landscape effectively.

Seek Professional Advice:

Consult with contractors, architects, or designers in South Nashua to gain professional insights into your renovation plans. Consider all the local market's trends before making any decisions. Their expertise can assist you in making well-informed decisions and averting costly mistakes. 

Preserve the Property's Character:

If the fixer-upper property in South Nashua has distinctive architectural features or historical charm, contemplate preserving and restoring these elements. Enhancing the homes character and allure, will be highly appealing to local buyers.

Incorporate Energy-Efficient Features:

While renovating in South Nashua, contemplate integrating energy-efficient enhancements to align with the city's focus on sustainability and eco-friendly living.

Obtain Permits and Approvals:

Prior to initiating major renovations in South Nashua, confirm compliance with local authorities. You'll need to secure the requisite permits and approvals, ensuring a seamless renovation process.

Exercise Patience and Flexibility:

Renovating a fixer-upper property in South Nashua is a process that demands patience and adaptability. Prepare to accommodate changes and remain focused on your ultimate objective in this competitive real estate market.

Buying a fixer-upper property in South Nashua can be a gratifying endeavor for real estate buyers willing to invest time, effort, and resources into realizing their dream home in this vibrant and sought-after community. With meticulous planning, a practical budget, and a clear vision for the transformation, you can transform a South Nashua fixer-upper into an exceptional and valuable real estate asset that perfectly complements the local market and your personal aspirations.

Buying a Fixer-Upper in South Nashua?

If you are looking into buying a fixer-upper in South Nashua or Southern New Hampshire give our qualified Agents a call. We would love to help you find a customizable house to meet your needs.

Finding the Home of Your Dreams: Top Tips to Guide Your Journey

Finding the home of your dreams is an exhilarating experience, akin to hunting for hidden treasure. For many, a dream home is not just a structure made of bricks and mortar, but a haven that reflects personal tastes, aspirations, and memories yet to be made. To ensure you find that perfect house for sale, follow these top tips to guide your search:

1. Define Your Dream: Before starting your hunt, make a detailed list of what you want. How many bedrooms? A large kitchen? A garden? Being clear about your priorities helps streamline the search.

2. Set a Realistic Budget: Dream homes come with price tags. It's essential to know what you can afford. Factor in not only the purchase price but also future expenses like maintenance, taxes, and insurance.

3. Location, Location, Location: The age-old real estate mantra still holds. Consider proximity to work, schools, public transport, and amenities. Research future developmental plans for the area.

4. Work with a Real Estate Agent: An experienced agent can save you time and stress. They can tap into networks and listings that you might not be aware of and negotiate the best deals on your behalf. Our Agents would be honored to be considered.

5. Inspect Thoroughly: Pictures can be deceiving. Always visit the property, preferably more than once and at different times of the day. Pay attention to the neighborhood vibe, noise levels, and potential issues.

6. Research the Market: Understand local property values and trends. Are you buying in a buyer's or a seller's market? This information can dictate your negotiating power.

7. Don’t Compromise on the Deal Breakers: It's easy to get swayed by a beautiful view or a trendy neighborhood, but if a home lacks your non-negotiables, it's probably not the right fit.

8. Look Beyond the Surface: Cosmetic issues are easily fixable. Focus on the foundation, layout, and structural integrity rather than the color of the walls or the outdated kitchen cabinets.

9. Consider Future Resale Value: Even if you plan on living in the house for a long time, it’s wise to consider its potential resale value. Properties that are closer to amenities, in reputable school districts, or in growing communities tend to appreciate over time.

10. Trust Your Instincts: Sometimes, the vibe and feel of a place matter more than logic. If you get a strong positive feeling about a home, it might be “the one”.

11. Stay Patient: The search for a dream home can be long and at times frustrating. Don’t rush. Remember, you’re not just buying a house, you’re investing in your future.

12. Legalities and Paperwork: Once you've found your dream home, ensure all legal formalities are correctly managed. Work with a reputable attorney to make sure there are no pending disputes, and always ensure the property has a clean title.

13. Plan for the Move: Once everything is in place, start planning for the big move. This includes setting a moving date, hiring moving services, and making a checklist of things to do.

The journey to finding the dream home is thrilling, filled with anticipation and excitement. By keeping these tips in mind, you'll not only find a house that appeals to you aesthetically and functionally, but also one that resonates with your heart and soul.

If you are looking for YOUR DREAM HOME reach out to our Agents. We would love to help you along the way. Happy house hunting!

South Nashua Community Living: A Hub of Amenities

South Nashua lies at the vibrant city's southern tip. Beyond its historical richness, it's a growing real estate hotspot.  South Nashua's community living attracts homeowners and investors alike. Here's a deeper exploration of what makes South Nashua a sought-after locale. Let's dive into what makes South Nashua Community Living a top choice for homeowners and investors.

Historical Backdrop

South Nashua showcases rich architectural treasures. Rooted in the 19th-century textile industry, its buildings reflect a storied past. The city has structures that harken back to its early days. Strolling through, you'll find homes blending old-world charm and modern flair. Today, its streets feature homes blending history with modern design. As you venture through South Nashua, you'll see charming, renovated homes that marry historic aesthetics with contemporary comforts.

Real Estate: A Blend of Value and Growth

South Nashua's property market shows consistent growth. Nashua offers both value and potential for investors and homeowners. Here are some highlights:

Diverse Offerings: The area features historic homes and modern condos. Stately single-family homes that trace back to earlier centuries to modern condos for the urban crowd. South Nashua offers a variety of real estate options.

Affordability: Compared to other New England areas, South Nashua is more affordable for homebuyers. No sales tax in New Hampshire adds to its appeal. This makes it a compelling choice for both residents and investors.

Appreciation Potential:  Its location, charm, and proximity to Boston boost property value. South Nashua has seen consistent property appreciation for home sellers. This makes it a lucrative market for long-term real estate investment.

Modern Amenities and Proximity

The presence of retail giants like the Pheasant Lane Mall enhance South Nashua's residential charm. Additionally, a bouquet of dining options further adds to the residential appeal of South Nashua. Peaceful spots like Mines Falls Park also blend city amenities with nature. This gives a locale that perfectly balances urban conveniences with natural tranquility.

Accessibility and Infrastructure

With top-notch infrastructure and easy access to highways like Route 3, residents stay connected. This makes the region especially appealing to working professionals. It's ideal for homeowners wanting tranquility without sacrificing urban connections. South Nashua residents can be close to nearby cities but live in a more suburban area.

In sum, South Nashua merges history with contemporary living, making it a standout in New Hampshire's property scene. The real estate landscape of South Nashua is as dynamic and diverse as its rich history. Whether relocating, investing, or seeking a vibrant community, South Nashua delivers. South Nashua stands out as a prime contender in the New Hampshire real estate market.

Contact our knowledgeable Agents if you are looking to buy or sell a South Nashua house for sale.

Photo by Seth Dewey on Unsplash

3 Home Buying Tips

home buying tips

Buying a home is an exciting and important decision that requires careful preparation and planning. Whether you're a first-time homebuyer or have experience in the real estate market, there are several key steps you can take to ensure a successful home buying experience. Here are three home buying tips to help you prepare, navigate the process, and choose the right property for your needs:

Preparing to Buy a Home

Before you start searching for properties, it's important to get your finances in order. This includes checking your credit score, getting pre-approved for a mortgage, and determining your budget for the purchase. It's also important to research the different types of mortgages available and choose one that's right for you.

Another key step in preparing to buy a home is to work with a reputable real estate agent who has expertise in the local market. An experienced agent can help you navigate the home buying process, provide valuable insights and advice, and help you find the best available properties that meet your specific needs and budget.

Navigating the Home Buying Process

Once you're ready to start your search, it's important to have a clear understanding of the home buying process. This includes researching properties, attending open houses and showings, making offers, and completing the necessary paperwork and inspections.

One of the most important steps in the home buying process is to have a home inspection. A professional inspection can help identify any issues or problems with the property, such as structural damage, plumbing or electrical issues, or other potential hazards.

When making an offer on a property, it's important to consider not only the price but also any contingencies, such as inspection or financing contingencies, that may be included in the offer. Working with an experienced real estate agent can help ensure that your offer is competitive and includes any necessary contingencies.

Choosing the Right Property

When choosing a property, it's important to consider a range of factors, such as location, size, and condition of the property. It's also important to consider any additional features or amenities that may be important to you, such as a backyard or a garage.

Another key consideration when choosing a property is the potential for future appreciation. This includes factors such as the location of the property, the local real estate market, and any upcoming development or infrastructure projects in the area.

Ultimately, the key to a successful home buying experience is to be patient, do your research, and work with experienced professionals who can help guide you through the process. By following these three home buying tips, you can find the right property that meets your needs and budget and enjoy a successful and fulfilling home ownership experience.

If you are thinking of buying or selling a Southern NH house for sale, give our agents a call and we can discuss your options. Call Harmony Real Estate at (603) 883-8840 for more information today! Visit our website www.Harmony-RE.com  for tips on buying a Southern NH house for sale. We would love to help you with all your home buying and selling goals. We are the agency in tune with your real estate needs!

Things to Consider when building a fence

Building a Fence

Image by 12019 from Pixabay

When buying a Southern NH house for sale, you may want or need  to build a fence for it. Building a fence may prove useful if you have pets or kids, want privacy, live on a main road, have a pool or just want to keep others out. They can be attractive, useful or just for looks. Not only can it make your house look nice but it can also raise the value of your Southern NH house. Below are things to consider when building a fence:

Check local ordinances with the town or association. Are you allowed to put up a fence? How high can it be? Does it need to be inside the property lines? Check out the rules and regulations that may apply to your property before putting up your fence.

Why do you want a fence? Do you want to have better curb appeal, do you have pets or kids, or are you looking for privacy? A chain link fence would be fine if you are just looking to put up a perimeter for pets or kids. However, if you’re looking for privacy maybe you want a taller fence that can’t be seen through.

What’s your budget? If you have a limited amount to spend you could put up a prettier fence like wrought iron in the front and a less expensive fence like chain link in the back. Whereas, if you have more to spend the sky is your limit and you could make the entire fence wrought iron.

Talk to your neighbors!!! A good fence can make for a great neighbor while an eyesore may not make your neighbors very happy with your choice. You may even find that if they don’t like your choice they might split the cost or chip in for a nicer fence.

What materials should you use? There are several different materials to choose from: chain-link, metal, wood, pvc or more.All will depend on how much you want to spend and what your desired result is.

Where do you live? Depending on the weather conditions of where you live you may decide on different material. Different materials may work better in a warmer climate versus a colder climate.

What kind of maintenance is needed? Fences can be damaged by insects, weather and rust. How much maintenance do you want to do every year. Think about what you are able and willing to do every year to keep your fence in good shape. For example wood fences can deteriorate over time and need to be painted or stained, iron fences may get rusty over time and plastic fences need to be washed and are prone to breaking more easily.

How big is your yard and what kind of landscaping do you want? Do you have a big or a small yard? Will the material fit in well with your neighborhood? Will it look good once it is installed? What kind of landscaping do you want to surround it? If your yard is already established you may want the fence to fit in around what you already have.

Where will you put the gates? It’s usually best to have 2 entrances in and out of your yard. Plan the entrances in advance, thinking about how you will want to have access to your yard.

Will this be a DIY project?  Have you ever built a fence before? Do you know someone who has? It may seem like a simple project but if you haven’t ever done it before it may be better to save money and have a professional install it.

Selling your Southern NH house for sale is not always easy, but with our help we can make it less stressful. Visit our website www.Harmony-RE.com  for more tips to prepare your Southern NH house for sale.

If you are thinking of buying or selling a Southern NH house for sale, give our agents a call and we can discuss your options. Call Harmony Real Estate at (603) 883-8840 for more information today! We would love to help you with all your home buying and selling goals. We are the agency in tune with your real estate needs!

Be Thankful

thanksgiving

Image made on Canva

What are you thankful about this year? When things are hard or stressful it can be hard to be thankful. I suggest to you that we should not just be thankful at Thanksgiving but to be thankful every day.

I’m thankful for my family, present and past, especially my kids even when they are a pain, as well as friends who have become family to me. Ultimately tomorrow is not promised and we should live for all those we love, today. I’m grateful for a lovely office with which I can share my time with co-workers who have become like family. I’m thankful for a roof above my head and lights and electricity with which I can use it. I’m especially thankful for my health and happiness as it’s not a given.

With all that’s going on this year, in 2020, we need to think of ways we can be thankful. The Pandemic and the Election have made many people bitter and we need to find a way to get along and even be thankful for each other. Can’t we all agree to disagree sometimes and still be friends? 

All the shopping that goes into getting ready for Christmas can be another thing that makes us happy or unhappy. It may be hard for some right now and if you’re struggling how can the over glorified present giving be enjoyed? I will be finding ways to help others in times of need, and helping Small Businesses survive. I will be helping a family in need with Christmas, buying crafts from local artisans, and getting gift certificates as gifts from the small restaurant around the block. If you are social distancing that’s fine too. If you prefer to buy online from a local chain, I will still love you just the same. It’s all personal choice and that’s why we enjoy living in the United States. I am just trying to do my part to help those that may be struggling.

Let’s take a moment to think about what we can be thankful for. Do you like a cup of joe first thing in them morning? I know I do. Do you enjoy reading the paper, watching the news or social media before you leave for work in the morning? Are you retired and get to spend time with your grandkids? Or are your kids a source of joy in your life? What about a gentleman who holds the door for you? Or a nice pair of cozy sweats at the end of a long day?

Stop and take a minute to think about what you are truly thankful for. Make it a daily routine. Try to think of things you are thankful for every day before you go out. Say something positive about yourself. It will improve your mindset and in the process your mood. Seeing things in a different light is a true blessing!

Holidays can be a hard time if you are grieving the loss of a loved one, as well. Thanksgiving can be hard if you are recovering from grief because it may be the first Holiday without a loved one. We all know that can be hard to be thankful for but your loved ones would want you to be happy too. Please know we are here if you just need an ear or a friend to listen.

We are thankful for each of you. Without our customers and clients we would not be able to make a living and you bring our success. Many blessings to you on this Thanksgiving.

If you are thinking of buying or selling a Southern NH home for sale, give our agents a call and we can discuss your options. Call Harmony Real Estate at (603) 883-8840 for more information today! We would love to help you with all your home buying and selling goals. We are the agency in tune with your real estate needs!

Manchester Multi Family for Sale | 339 Spruce St Manchester NH 03103

Manchester Multi Family for sale 339 Spruce St Manchester NH 03103

Images by Virginia Kazlouskas

This Manchester Multi Family for sale located at 339 Spruce St Manchester NH 03103 has the potential to be an investment or an owner occupied unit. Are you looking for a move-in ready Multi-Family unit? This 3 unit building has just been updated. Are you looking for an owner occupied investment opportunity? You can live in one unit and rent out the others. Are you searching for an investment where you can rent out the building and not live there? If so, this is the 3 family for you!

Manchester Multi Family for sale

Manchester Multi Family for sale | 339 Spruce St

This Downtown Manchester Multi-Family for sale features 3 units. Each unit has 3 bedrooms, a full bathroom, eat-in kitchen with pantry and laundry hookups, living room, and an enclosed porch. There is hardwood flooring on the first and second floor units, and new carpeting on the 3rd floor. The full basement adds additional storage. With 4,508 square feet of interior living space this 3 family sits on .12 acre near Downtown Manchester NH. Enjoy the conveniences downtown has to offer!

This multi-family has recent updates to include a new roof and hatch. There's no need to worry about replacing the roof any time soon. The back yard has 5+ parking spaces.

The first floor just needs some cosmetic updating. It has a large living room, a dining area, a galley kitchen, a full bath with laundry hookups, 3 bedrooms and a den. There is a long term tenant living there. The whole building is move-in ready waiting for you!

The second has been updated with a new bathroom. It has a large living room, a dining area, a galley kitchen, a full bath with laundry hookups, 3 bedrooms and a storage room in the hall. It is vacant looking for an owner occupied to live in it or new tenants of your choosing. 

The third floor units has been updated with new flooring and bathrooms. It has a large living room, a dining area, a galley kitchen, a full bath with laundry hookups, 3 bedrooms and a storage closet and room in the hall. It is vacant looking for a new tenant of your choosing. The whole building is move-in ready waiting for you!

This Downtown Multi-Family is Conveniently Located

This Downtown Manchester 3 Family is conveniently located within minutes to entertainment, shopping, highways and more. It is located within walking distance to downtown which offers a Supermarket, several Restaurants, Bars, Shopping, and Public Transportation. This Downtown Manchester NH 3 family for sale is close to all the amenities of the city.

The multi-family is located approximately 2 minutes from Exit 5 in Manchester on Route 293 for commuters. In addition, the The Mall of NH is only about a 10 minute drive away off Exit 1 on Route 93 in Manchester for even more shopping fun.

Local schools and the library are also located within a few miles radius of this home.

This 339 Spruce St Multi-Family in Manchester NH is located within a 15 minute drive to Concord, a 30 minute drive to Nashua and within 1 1/2 hours from Boston MA for those looking to commute. Manchester has public access to pools in the summer for residents to enjoy swimming. Harriman Park is only a block away with a playground, and Gill Stadium is just minutes away with a playground, soccer, basketball and football.

Map of 339 Spruce St, Manchester NH 03103

Open Concept Living in this Downtown Nashua Multi-Family

The first and second floor opens into the living room which connects to the eat-in kitchen and pantry area that are attached with a side porch off the back entrance. There three ample sized bedrooms. 1 is off the kitchen and 2 off the living room. The first floor has a den off the kitchen bedroom. There are laundry hookups in the kitchen pantry. The second floor has a storage room in the hallway.

The third floor has a similar layout to second floor but there is no closet in the 3rd bedroom. There is also a storage room and a storage closet in the back hallway.

There is basement access through a door in the back hall leading to more storage space.

Enjoy a relaxing night in this Downtown Manchester multi-family's bedrooms

There are a total of 3 Bedrooms units in each of the three Units of this Downtown Manchester NH multi-family for sale. The units have similar layouts with the few differences noted above.

The Master Bedroom is ample sized to accommodate a King sized bed and several bureaus. Tenants will enjoy relaxing in their new apartment or you can reap the benefits of letting a tenant help pay your rent.

Full unfinished basement adds storage

Aside from it’s convenient location, one of the best things about this home is the large basement. There is ample room for storage for personal use or for you and your tenants. It is a locked space if you don't want the tenants to use it.

The whole house 339 Spruce Street, Manchester NH consists of 18 rooms, 3 porches, 9 bedrooms and 3 baths. It is located on a .12 acre lot with a 5+ car parking in the back. The taxes for 2020 are $6,051. The current 2020 tax rate for Manchester, NH is $24.32 per thousand dollars of assessed property value.

Enjoy all the amenities of this Downtown Manchester NH 3 Family located at 339 Spruce St Manchester, NH 03103 for only $320,000. Call (603) 883-8840 today to schedule a showing with one of our qualified agents.

Below are some interior and exterior photos of the home. Call or email to take a look at this Manchester Multi Family for sale.

Manchester Multi Family for sale

Manchester Multi Family for sale | 339 Spruce St

Downtown Manchester, New Hampshire

Are you new to the Downtown Manchester, New Hampshire area? Are you considering this a place you might want to call home? Do you want to learn more about Downtown Manchester, New Hampshire? If you’re interested in learning more about Downtown Manchester, NH as a town give me a call or send me an email. We would be happy to answer any questions that you have.

If you are thinking of buying or selling a Multi Family in Downtown Manchester, NH give us a call and we can discuss your options. Call Harmony Real Estate at (603) 883-8840 for more information or to take a look at this multi-family today! Visit our website at http://www.Harmony-RE.com for more information.

March 18, 2019

Qualify for A VA loan with no down payment

Qualify for VA loan with no downpayment

Image by thetruthprenuer from Pixabay

Are you looking to qualify for VA loan purchase? Many Veterans are unaware that they can qualify to purchase a Southern NH house for sale with no down payment. Yes, you read that right, you can qualify for VA loan purchase with no down payment. 

Many homes for sale require a larger down payment which makes it a little more difficult for buyers to purchase a home. When a Veteran wants to purchase a Southern NH home for sale with no money down, they can ask the seller to pay up to 4% of the purchase price towards their closing costs, pre-paids, points and escrows on their purchase and sales agreement. This 4% concession will usually take care of all the remaining costs needed to purchase the home. 

As with anything there are some things that need to be done to make sure you qualify for VA loan purchase on a Southern NH house for sale. One such item is retrieving a Certificate of Eligibility (COE) from the VA. It confirms the purchase is through a Veteran and the Veteran still has remaining eligibility for buying a Southern NH house for sale. The VA will verify the service record of the veteran and provide the amount they are eligible to be registered for in the program. It will be in the form of a pre-approval letter with a specified amount that a Veteran can afford for a Southern NH home for sale.

Generally speaking, a Veteran is only allowed to have one VA loan and it is supposed to be used for the purchase of their primary residence. Some exceptions to this rule apply in the process but your situation would have to be considered by the underwriter to be approved.

The Veteran can obtain their Certificate of Eligibility typically one of two ways. They can apply for it directly through the VA or have their mortgage company apply for it directly on their behalf. The loan still requires that you meet all the requirements for getting a VA loan by getting the property Notice of Value (NOV) which is a lot like an appraisal. The NOV gives an opinion on the value of Southern NH Home for sale the Veteran is purchasing and notes any defects or repairs that need to be made to the home prior to closing to qualify for VA loan purchase.

The Veteran is also required to show that they can afford to pay the monthly payment for the Southern NH house for sale through their debt to income ratio. Ultimately, this is shown as a percentage of your debts versus the income you make as a percentage ratio. They like to see the Veteran stay under a 44% Debt to Income (DTI).

Many Veterans are purchasing homes this way at considerably lower monthly costs than non-Veterans. The interest rates can be very attractive in comparison to other rates. There is no mortgage insurance unlike most other loans on the market. While not everybody can qualify for VA loan purchase it is one of the best ways for a Veteran to purchase as Southern NH house for sale.

As with everything, you should check out all of your options available to finance a Southern NH house for sale so you can make the best decision. You can compare the different types of loans, review the APR (annual percentage rate ) on each loan. Then sit down with a knowledgeable loan officer who can go over your entire situation and review any questions you may have about your loan process.

Image by StockSnap from Pixabay

If you are a Veteran searching for a Southern NH house for sale, we can help you qualify for VA loan purchase. Give our agents a call at (603) 883-8840. We would be honored to give back and serve you through the home buying process! 

Do you need a bathtub for resale?

bathtub for resale

Image by WarrenMae from Pixabay

While many people are looking to showers more and think about the need for a bathtub for resale. It is definitely good for value when putting your home up for sale on the market. Families with young children won’t even consider buying your Southern New Hampshire house for sale if you don’t have a bathtub. While it can always be added most buyers are not looking to renovate, or might not even be able to afford a new tub, right after purchasing a new home. 

Some adults may not have any use for a bathtub due to their schedules or preferences, and might even prefer a steam shower with a bench seat over a bathtub. However, seniors and luxury buyers tend to look for a bathtub for relaxation when purchasing a Southern NH home for sale. I think the main consideration to take into account when making your decision will be who will consider purchasing your home for sale when you finally make the decision to sell it. If you live in a 55+ development or a 1 bedroom home you may be just fine. However you need a bathtub for resale if you are selling a house that calls to a larger family. 

Sellers need to have the necessities that buyers are looking for when purchasing a Southern New Hampshire house for sale. If you don’t have a bathtub in your home and it appeals to buyers who have young children, seniors or luxury buyers you should consider installing a bathtub if you don’t already have one! You wouldn’t want to rule out a good portion of the market by removing a bathtub that another family might require when they are looking for a home for sale.

Personally we would suggest having at least one bathtub in a home if it has 2 or more bedrooms but it will always depend on the market where you live. Ultimately the decision is yours to make and you should base it on your family’s need but 9ideally you'll need a bathtub for resale. We would always suggest keeping resale in mind when making home renovation decisions. Even if you think you will never sell your Southern NH home, situations change that force you to make decisions that you may never have thought were possible.

If you are looking to purchase or sell your Southern New Hampshire home for sale, give our agents at Harmony Real Estate a call at (603) 883-8840. We would love to help you with all your home buying and selling goals. We are the agency in tune with your real estate needs!  

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