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What is Radon?
Radon is a naturally occurring radioactive gas that you cannot see, smell, or taste. It is a carcinogen that has been proven to cause cancer. The Surgeon General warned that Radon is the second leading cause for lung cancer in the United States today. If you smoke, and there is Radon in your home, then you are at an even higher risk for lung cancer. If you are looking for more information on radon you can check out the EPA website at www.epa.gov/iap/radon/pubs/index.html or call the New Hampshire Bureau of Environmental & Occupational Health at (603) 271-4610.
In 1899, English physicist Ernest Rutherford first discovered Radon. The discovery is also credited to German physicist Friedrich Ernst Dorn in 1900. Rutherford discovered Radons’ alpha radiation, and Dorn discovered that radium was releasing a gas.
Radon is a colorless chemically-unreactive inert gas. It is the heaviest known gas. Radon is 9 times denser than air. Because it is a single atom gas it easily penetrates many common materials like paper, leather, low-density plastic, paints, building materials, and most insulations.
How is Radon made?
Radon is not produced as a commercial product. Radon is a naturally occurring radioactive gas and comes from the natural breakdown of uranium. It is usually found in igneous rock and soil. In some cases, well water may also be a source of radon. New Hampshire is the granite state and radon can come through the rock in the ground and other soils and clays and come into our homes.
What happens when you’re exposed to Radon?
Human exposure to radon are inhalation and ingestion. Radon in the ground, groundwater, or building materials enters working and living spaces and disintegrates into its decay products. Although high concentrations of radon in groundwater may contribute to radon exposure through ingestion, the inhalation of radon released from water is usually the concern.
Testing is the only way to know if you have Radon in your home. The EPA indicates that any readings above 4.0 pCi/L in the air are not acceptable levels and should be mitigated. It is recommended that the testing device be put in the lowest level suitable for occupancy and typically is left for readings in a 48-72 hour time frame.
How do you get rid of Radon?
If you do find Radon in the air of your Southern NH home, you can reduce the exposure to an acceptable amount on your own for around $500, but this is not recommended because it is a dangerous gas. We suggest you find a Certified Radon Mitigator in your area. For radon air, the professional will usually install a sub-slab depressurization method by inserting a PVC pipe through the basement floor and venting it out the roof with a fan and typically runs from $1200-$1500 in Southern New Hampshire.
For radon in the water, the State of NH recommends a level lower than 2000 pCi/L but there is no standard EPA regulatory limit. The cost to mitigate radon in the water runs from $2500-$5000. Aeration is the method suggested by the State of New Hampshire to get rid of radon in water and sometimes require an additional water softener system, if there are high levels of iron or manganese. Every state has their own guideline as to what they feel is safe and you need to go with what makes you feel safe in your Southern New Hampshire home.
If you are looking to test for radon in your Southern New Hampshire home and would like some suggestions on a Certified Radon Mitigator feel free to give us a call at Harmony Real Estate at (603) 883-8840. We would love to help you better the quality of life for you and your family in your Southern NH home.
The decision to short sell your home is not an easy one. You will have to come to terms with the not being able to make your mortgage payments and there are valid reasons why. Many reasons include: divorce, fraud, loss of a job, health reasons, condo rules and other possible reasons. Whatever the reason that you are facing may be, short selling your home in Southern New Hampshire will not affect your credit as harshly as a foreclosure and may open up the possibility to getting into another home faster after the short sale. If your short sale is successful you could avoid a foreclosure on your credit record.
Before you short sale your house, you want to make sure you have looked at all your options. Don't make any hasty or rash decisions without some consideration. Filing for bankruptcy might be an option to stave of foreclosure (not indefinitely though) if you can’t pay your bills but have the money to pay your mortgage. You may also want to look into the possibility of adjusting your payments by talking to your bank to discuss different terms. If you owe more for your house than it’s worth and these other options do not work for you, a short sale might be the best option for selling your Southern NH home.
Make sure you work with an experienced REALTOR® who has worked with short sales in the past. Ask about their experience so you feel comfortable with their knowledge about the process. An experienced real estate agent will be able to negotiate the deal in your best interest.
Be aware that the short sale process for a Southern NH Home for sale will take time and patience. Short sales typically take between 3-6 months to close and can take even longer in some circumstances. It all depends on what bank(s) you are working with and the condition of the home. Also make sure to also looking into your tax implications. This is one step that is critical. You should talk to a tax advisor to see what your tax implications are as they change from year to year.
Buying and selling a home is a very important decision, make sure to trust the REALTOR® you are working with. You will need to give them a pile of paperwork regarding your current standing financial assets in order to get the short sale approved. The process can be very emotional and stressful and you will need someone who is caring and will answer your questions along the way and help you through the process. If you can get support from friends and family it will help the process too. Remember the short sale of your Southern NH home is just a temporary situation and you will be able to purchase another home in the future.
Talk to one of our experienced real estate agents about to see if you should short sale your Southern New Hampshire house. Make sure it is the right fit for your circumstances. We can discuss your options and let you know what is the best fit for you. Call Harmony Real Estate at (603) 883-8840 for more information on short selling your Southern NH home today!
As soon as you realize you might have trouble paying your mortgage for your home in Southern NH, contact your lender. Tell them about your financial difficulties. This gives them the chance to work with you, not against you, and create a plan of action. Be sure that you don’t stop paying your bills before talking to them. Don’t wait until you can’t make payments before you speak to your lender.
The Making Home Affordable (MHA) Program is no longer available but this still offer help if you are having trouble working with your mortgage provider. This organization provides free counselors. They can give you advice and assistance with keeping your Southern New Hampshire home, or help you get out safely. If you need help making an important decision or just have questions you can visit their website at www.makinghomeaffordable.gov or call their hotline 1(888) 955-HOPE anytime. You may still be able to get a modification plan through your mortgage company to suit your budget so that foreclosure can be avoided. Your state housing agency may also have a foreclosure avoidance program as well.
Scammers often contact homeowners who are having trouble with their mortgage payments and offer to help, knowing they are desperate to keep their Southern New Hampshire homes. They often find their victims by advertising online, distributing flyers, contacting people whose homes appear in foreclosure notices, and target specific religious or ethnic groups. These criminals will promise to help you keep or sell your home without having to go into foreclosure at all for a fee.
Do not fall for this, they aren’t really trying to help you, they are just trying to take your money! Be sure that you are aware of the tricks these scammers use. They may offer to negotiate with your lender, advising you that filing for bankruptcy can help stop a foreclosure, and offer you fake legal help. Know the warning signs to protect yourself against these potential downfalls!
Follow these simple steps and you’re on the right track to keeping your Southern New Hampshire home. If things can not be worked out after exhausting all options we can help you make an agreement with the bank to extend foreclosure and sell your home or even short sale your home, if you owe more to the bank than the house is worth on the market. Whether you're behind on payments or not, don't be embarrassed, we can help you make the best decision for your particular situation.
If you are looking to buy or sell a home for sale in Southern New Hampshire give our qualified agents at Harmony Real Estate a call today at (603) 883-8840. We would love to help you keep your home if possible, extend your foreclosure date and get back your equity, or even short sale your home if there is no other possible option.
Here is what you should do if you have mold in your South Nashua home.
The first step is to test for mold
This is something that no homeowner wants to hear, but if you suspect you have mold in your home, you need to test it to be sure of what kind of mold it is. Mold testing can be very expensive, but if you are deeply suspicious of what's in your walls, it is worth it. You could also buy a kit to test for mold yourself but they have a reputation for being unreliable, so getting an expert to take a look at your South Nashua home for sale is in your best interest.
What to do if you find mold
If mold is found in your South Nashua home, don’t panic just yet. Every home has mold in it, but some homes are worse than others. If it is a small area less than 10 square feet, you could try to remove it yourself. Although, this isn’t the best idea, it is possible. Be sure to wear gloves, and a face mask, and goggles in a well ventilated room if you are going to try to tackle the removal yourself with chemicals. If it is to big of an area for you to clean yourself, or you just don’t have the time, make sure to call a professional. You are always better safe than sorry!
Stay Vigilant
Even if you aren’t aware of any toxic mold in your home, always keep an eye out for it. Keeping mold away from your South Nashua homes comes down to simple maintenance. If you have any dampness in your South Nashua home, it is possible that there will be mold. Be sure to look in any dark, damp places.
These are some simple ways to keep mold away from your South Nashua home for sale:
Caulk around water fixtures
Sinks and bathtubs all have signs of mold. Be sure you caulk around the faucets in your sink, and your shower in your kitchen, bathroom, or any other rooms. Make sure to clean out any discolored caulking to make sure it doesn’t turn into another problem.
Clean your gutters
You were planning to do this anyhow, right? Well, here is your chance to get it accomplished! Water pooling in your gutters due to a clog can leak into your walls causing mold to grow in them. Make sure to clean out any gutters that can cause this problem before it starts.
Check your windows
Make sure there are no leaks from your windows. You can caulk around the outside of your windows to prevent water coming in after a lot of rain, or snow. The spring is usually the best time to do this when the weather starts to get warmer, and the snow starts melting.
Take care of your roof
Is your roof leaking? If your roof is leaking, you would notice that of course! However, you might not go in the attic often. Make sure to check the attic periodically, especially after it rains heavily to see if you have any leaks in your South Nashua roof. If you do be sure to get it taken care of right away to prevent mold from growing. This is the typical place where mold will start and home owners are not aware so make sure to take a peak in your South Nashua attic from time to time.
Check the crawl space
Do you have a crawl space under your home? Just like the attic, the crawl space is not a common place you go. Be sure to get under the house from time to time to check and see if there is any water collecting there. If there is, you need to be sure to drain it, as water pooling under your house won't only lead to mold, but structural problems as well. And neither are a good problem to have in your South Nashua home for sale.
With all that you have learned from this article, you will know exactly what to do if you find or suspect mold in your home! For more information on addressing other problems in your home give us a call or view our other articles at www.Harmony-RE.com. We can give you some insight on what you might need to do or give you the name of a professional to call to address it.
If are looking to buy or sell a home for sale in South Nashua give our qualified agents at Harmony Real Estate a call today at (603) 883-8840. We would love to help you with your home sale or purchase.
Are you looking for a move-in ready Split style home in Hooksett? Are you looking for a property that has been renovated? Are you searching for an home where you can have 2 levels of living space? If so, this is the Split style home for you located at 19 Morningside Dr Hooksett NH 03109!
This Hooksett NH Split features 3 bedrooms, 3 baths and a 2 car garage with two levels of living. Enjoy the conveniences this Split style home has to offer!
The exterior of this Hooksett Split has been landscaped with a new front deck, walkway, irrigation system and garden all on 2 acres of private land. This home it setup back from the road with beautiful curb. It is located at the end of a cul-de-sac in a highly desired neighborhood.
This Split style home has gotten many recent updates to include ALL NEW kitchen cabinets, Harvey windows, a roof, energy efficient lights throughout, toilets, carpeting in the basement, fresh paint, irrigation, exterior landscaping and a new well pump. There's no need to worry about replacing the roof and the furnace is approximately 7 years old.
This beautiful Hooksett home for sale is move-in ready, just waiting for you!
This Hooksett Split is Conveniently Located
This Hooksett Split style home for sale is conveniently located off of Hackett Hill Rd. It is close to entertainment, shopping, highways and more of Hooksett and Manchester. Conveniently located off of Hackett Hill is within minutes of Exit 7 which offering several Restaurants, Shopping, Public Transportation, and a Supermarket. This Hooksett Split style house for sale is close to all the amenities of the city.
The home is just 4 minutes from Route 93 and 7 minutes to Route 293 in Manchester NH for commuters. In addition, the Mall of NH is only about a 10 minute drive away in Manchester for even more shopping fun.
Local schools, technical colleges and universities are also within a few miles of this home.
This gorgeous Split Style house for sale is conveniently located 5 minutes from Manchester, within 15 minutes of Concord, 30 minutes from Nashua and an hour and fifteen minutes from Boston MA for those looking to commute.
Spacious Layout with Open Concept Living in Mind
The first floor has an open concept layout from the kitchen, to the dining area, to the living room. There are cathedral ceilings and a beautiful wood laminate floor. The eat-in kitchen has new cabinets with ample storage, stainless appliances and granite countertops.
The dining area has room for a 6 seat table and has a brand new picture window that allows light to stream into the room. There is a pellet stove situated on a hearth in the dining area for heat cost savings. The living room has a bow window on the front of the house and features a beautiful fireplace. Just imagine you and your family living in this space!
Relaxation at its finest in your Master Suite
The master bedroom has an en suite bathroom for your enjoyment! The bedroom is good sized and can fit an entire king size bedroom set with side tables and all the long and tall bureaus that come with it. The windows of the bedroom overlook the private wooded backyard and gives you the ultimate experience of relaxation. This room has all the peace and quiet you can imagine. This room is fit for a king and queen!
In addition to the space this master bedroom also has an en suite bathroom. There is a beautiful full bath with tile flooring to use every night. Enjoy the privacy of your own bathroom away from the kids!
A full walk-out basement with a 2 car garage!
In addition to the convenient location, one of the best things about this home is the large finished basement. There is ample room for storage in the bump out space of the 2 car garage.
The large finished basement has a lot of space for you and your family. The family room in the basement could be separated into two different sections which could be utilized in many different ways. It has the potential for a family room, game room, craft room, play room or use of your choosing. The potential uses are endless depending on your need for the area.
The whole house 19 Morningside Dr Hooksett NH consists of 7 rooms, 3 bedrooms and 3 baths. It is located on a 2 acres of land with a 2 car garage under. There is a long paved driveway with 6+ car parking in front of the garage. The taxes for 2016 are $6,186. The current 2016 tax rate for Hooksett, NH is $26.39 per thousand dollars of assessed property value.
Enjoy all the features of this Hooksett NH Split for $349,900. Call (603) 883-8840 today to schedule a showing with one of our qualified agents.
Are you new to the Hooksett, New Hampshire area? Are you considering this a place you might want to call home? Do you want to learn more about Hooksett, New Hampshire? If you’re interested in learning more about Hooksett, NH as a town give us a call or send us an email. We would be happy to answer any questions that you have.
19 Morningside Dr Hooksett NH 03106 Map
If you are thinking of buying or selling a home in Hooksett, 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 beautiful home today! Visit our website at http://www.Harmony-RE.com for more information.
Are you looking for a luxury home in South Nashua? Are you looking for an elegant home with lots of square footage? Are you looking for a dream home that is conveniently located near all amenities and fits all of your needs? If so, a South Nashua NH luxury home for sale may just be you are looking for.
There are several luxurious homes for sale to choose from in the highly desirable neighborhoods of South Nashua. Every buyer will have different requirements for the luxury home that they are looking for. You can find homes with open concept layouts, gourmet kitchens, master bedrooms with en suite bathrooms, and much more!
Conveniently located
There are 2 golf courses in South Nashua, the Nashua Country Club and Sky Meadow Country Club, that you can enjoy. The benefits of living on or near a golf course range from the lush beautiful rolling views, to the convenience of golfing daily. They are nestled in the private luxurious neighborhoods of South Nashua.
You will enjoy the convenience of easy access to the highways from the neighborhoods of South Nashua off of exit 1 or Exit 4 of Route 3. Just a short ride away you will also find all the conveniences of the city from restaurants, to entertainment, and shopping. South Nashua is conveniently located close to the Pheasant Lane Mall and the highway for Massachusetts commuters. The elegant luxury homes of South Nashua are close to all the amenities you will ever need.
What features are you looking for?
The luxurious homes for sale in South Nashua have all the amenities you are looking for from spacious layouts, to high-end amenities and features, to large lots. Are you looking for a gourmet kitchen, an open layout, a spacious layout, a theatre room or even a pool? You could have many or all of the features you desire in South Nashua. The life you have been longing for is waiting for you here in South Nashua. We can help you find your dream home and make sure it has all the amenities you have been searching for!
Luxury homes have good resale
The luxury homes of South Nashua NH have good resale because of their location and great schools. The Bicentennial School district is the best rated in South Nashua. It has an A+ rating on The kids and the parents love the school and all that it offers. In addition, the homes in South Nashua are always more valuable and in higher demand than the other surrounding neighborhoods due to the proximity to Massachusetts.
If you are looking for a luxury home in South Nashua give our agents a call at (603)883-8840 for a list of all the homes currently available. With the professional knowledge of our agents by your side, we will find you the perfect luxury home for sale in South Nashua NH.
Check out our website at www.Harmony-RE.com to see a list of all the available houses for sale in South Nashua NH. For a list of all the luxury homes for sale or for more information on living in South Nashua or the surrounding area give Harmony Real Estate a call today at (603) 883-8840.
Here are some great tips on how you can get rid of squirrels from your South Hudson home for sale on your own, without having to break your bank!
Block Their Entrance
Find out where the squirrels are entering into your South Hudson home’s attic and cover any holes so no more squirrels can get in, except for one so they can use it to exit your home. Cover your chimney with wire mesh if you have one so no more squirrels can get in. Also be sure to secure any openings from your attic to the rest of your South Hudson home so any panic stricken squirrels don’t try to flee into the rest of your home.
You want to make sure every possible entry point is blocked so they don’t regain entry once you have them out!
Create An Exit
Create a funnel out of metal or wire mesh and be sure the funnel is about 1 foot long, an about a foot wide. Attach the wide end of the funnel to the hole on the outside of your South Hudson’s home. Usually if the animal can leave out of the small hole, they will be able to re-enter as well, so just be careful. Try placing some food such as apple slices or peanuts at the hole of the opening to draw the squirrels out, or just wait for them to leave on their own to gather food.
Once they are out make sure to board up the hole or put mesh on it so that can’t regain entry.
Trapping Squirrels
You can usually find a trap at your local hardware store. When purchasing a trap for a squirrel please keep in mind that in a larger cage the squirrel may begin to panic and harm themselves. Usually a cage that is 6 inches, by 6 inches, by 18 inches will be perfect for a small animal like a squirrel. Read the directions that come with the trap and be sure you know how to set it properly!
Put some food in the cage that appeals to a squirrel such as peanut butter, apple slices, peanuts, soda crackers, or pieces of bread crust otherwise the squirrels may not even go near the trap. Make sure the food is placed far enough inside the cage so the animal can’t grab it through the sides.
Set it up, and wait for the trap to work its magic.
Catch, then Release
Once you have trapped the squirrel, you will need to release it. But first, be sure to check your South Hudson attic for baby squirrels. The babies will be helpless without their mother, and you will need to relocate them with her so they don’t die. The best thing for you to do is relocate them far away from your South Hudson’s home for sale in a wooded area where they can hopefully find their new home in a tree, rather than inside your attic.
Make sure you wear thick heavy gloves when you are releasing the squirrel from the trap. If the squirrel is angry, you wouldn’t want to get bit, or attacked. You can also use a string or rope to open the cage from a distance.
Make sure they don't come back
Be sure to keep the trap filled with food in your South Hudson attic for a few weeks longer to be sure all the squirrels have left your home. Patch up the holes in your home as well so they can’t try to re-enter. Try leaving your attic light on, or purchase some squirrel repellent from the store, rags soaked in household ammonia work too. Also, leaving a radio on in your attic, or purchasing an ultrasonic repellent may work for you as well.
If you are looking for more tips on how to get rid of pests or other animals in your South Hudson home for sale give us a call or check out our other articles on getting rid of pests in your home.
If you are looking to buy or sell a home for sale in South Hudson give our qualified agents at Harmony Real Estate a call today at (603) 883-8840. We would love to be a successful partner for your home purchase.
25 Cross St Nashua NH 03060
Downtown Nashua NH 2 Family with a 5 Car Garage
Are you looking for a move-in ready Multi-Family unit? Are you looking for an owner occupied investment opportunity? Are you searching for an investment where you can rent out the building and not live there? If so, this is the 2 family for you! It has the potential to be an investment or an owner occupied unit.
This Nashua NH Multi-Family features 2 units up and down. Each unit has 2/3 bedrooms, a porch, a full bathroom, some hardwood flooring, and there is a full walk-out basement for additional storage. With 1,980 square feet of interior living space this 2 family sits on .12 acre near Downtown Nashua NH. Enjoy the conveniences downtown has to offer!
The exterior has been beautifully landscaped with perennial gardens leading up the driveway to the garage. This setups gives great curb appeal from the road.
This multi-family has several recent updates to include a new roof on the house and a new metal roof on the garage. There's no need to worry about replacing either roof any time soon.
The second floor unit was updated with new flooring and well maintained as an owner occupied unit for the last 2 1/2 years. The boiler was installed 2 years ago. There bathroom on the second floor has been updated and is ready to move-in. The first floor just needs some cosmetic updating.
The interior of the second floor is move-in ready waiting for you! The interior of the first floor is waiting for some cosmetic touches to update it.
This Downtown Multi-Family is Conveniently Located
This Downtown Nashua 2 Family is conveniently located close to entertainment, shopping, highways and more. It is ideally located within walking distance to downtown which offers several Restaurants, Bars, Shopping, Public Transportation, and a Supermarket. This Downtown Nashua NH 2 family for sale is close to all these amenities of the city.
The multi-family is located approximately 5 minutes from Exit 5 in Nashua NH and about 7 minutes from Exit 2 on Route 3 in Hudson NH for commuters. In addition, the Pheasant lane Mall is only about a 10 minute drive away in South Nashua for even more shopping fun.
Local schools and the library are also located within a few miles radius of this home.
This beautiful Cross St Multi-Family in Nashua NH is located within a 30 minute drive to Manchester and within a hour from Boston MA for those looking to commute. Nashua has public access to pools in the summer for residents to enjoy swimming. Greeley Park is also only a couple minutes away with mature landscaping, trails, a kiddie pool, a playground, a stage pavilion and more. There are several events hosted at Greeley Park during the year to include Festivals, Walk-Athons, Senior Outings, Concerts and more.
Open Concept Living in this Downtown Nashua Multi-Family
The first floor opens into the eat-in kitchen and pantry area from the side porch. The living room is just off of the kitchen and currently the room off the living room is being used as another bedroom. There are two other ample sized bedrooms off of the eat-in kitchen. There is basement access through a door in the kitchen leading to more storage space.
The second floor has a similar layout to the first floor. The stairs from the side porch lead up tot he unit and open into the eat-in kitchen and pantry area. The living room is just off of the kitchen and currently the room off the living room is being used as an extension of the living room. However, it could be used as another bedroom, a den, a dining room, and there are plenty of other potential uses depending on your need. There are two other ample sized bedrooms off of the eat-in kitchen. There is basement access at the bottom of the side stairs leading to more storage space.
Enjoy a relaxing night in this Downtown Nashua multi-family's bedrooms
There are a total of 2/3 Bedrooms in each of the two Units of this Downtown multi-family for sale located at 25 Cross St Nashua NH. The units have similar layouts. The first and the second floor units both have 2/3 bedrooms. The carpeting was replaced about 2 1/2 years ago in all the bedrooms on the second floor.
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.
A full walk-out basement adds more 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.
Take several steps down from the side porch to the large basement which has many potential uses. The basement could be separated into two or more different sections which could be utilized in many different ways.
There are many potential uses for the area depending on your need.
Enjoy all of your garage space
The 5 car detached garage has a new metal roof which will last a long time! It has the potential to be used for personal use or as a further investment by renting out the bays.
The whole house 25 Cross Street Nashua NH consists of ten rooms, 2 porches, 5 bedrooms (potentially 6 bedrooms) and 2 baths. It is located on a .12 acre landscaped lot with a large 5 car detached garage. There is a long paved driveway with 6+ car parking leading to the garage. The taxes for 2016 are $5,636. The current 2016 tax rate for Nashua, NH is $25.07 per thousand dollars of assessed property value.
Enjoy all the amenities of this Downtown Nashua NH 2 Family for only $299,900. 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 beautiful Hudson home for sale.
Are you new to the Downtown Nashua, New Hampshire area? Are you considering this a place you might want to call home? Do you want to learn more about Downtown Nashua, New Hampshire? If you’re interested in learning more about Downtown Nashua, NH as a town give me a call or send me an email. We would be happy to answer any questions that you have.
25 Cross St, Nashua NH 03060 Map
If you are thinking of buying or selling a home in Downtown Nashua, 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 beautiful home today! Visit our website at http://www.Harmony-RE.com for more information.
Check Your Credit
Be sure you check your credit before you start searching for a home. If you have bad credit, you will most likely need someone else to co-sign, or to put their name on the mortgage with you, unless you pay for your home in full cash.
For a conventional loan you will need a higher credit score typically around 660 or higher while an FHA loan will give you more wiggle room typically down to about a 580 score. Don’t give up if your score is lower than the required amount because there are also ways of increasing your score to get you where you need to be.
Look At Your Income
Also be sure you look at your income so you know just how much you can afford monthly, and yearly. Don’t spend everything you have all at once, be sure you have enough money left over for other payments and bills you may have.
Typically there is a 40% or higher ratio that mortgage lenders will be looking for but we suggest a bit lower so you still have money for other things. Being house poor doesn;t make for a happier life. It’s nice to own a home but it’s also nice to be able to enjoy going out, or buying some new clothes once in a while.
Get Preapproved For A Mortgage
To get preapproved for a mortgage, first you must visit a lender. The mortgage lender will look at things such as your credit reports, your employment history, and your income very closely and carefully. After that, they will figure out which loan program you qualify for, the maximum amount you can borrow, and the interest rates you will be offered.
It is important to get this done before you start looking for South Nashua houses for sale, so you know just how much you have to spend. You don’t want to start looking at houses that are above your reach as it will make the houses you can afford not look as appealing. Be realistic and make your budget work for you. You can always build equity and get the larger house next time if you can’t afford it the first time around.
Find The Right Real Estate Agent
Finding the right Real Estate Agent is important because they can help take some of the stress off of you when you are looking for your South Nashua dream home. Searching for and purchasing the right home takes a lot of time that you may not have, as well as a lot of work that you may just not want to deal with. An agent can deal with the time, and work while you sit back and relax, that is their job!
If you are looking to buy or sell a home, call Harmony Real Estate today at (603) 883-8840. One of our qualified agents will be more than happy to help you find your dream home.
Here are five things you should do when you are buying a home for the first time:
Decide on the location versus space when searching for a home!
When you are looking for your first home, be sure you decide on a location first. Sometimes the location of the house for sale can have a bigger impact on your life, versus the spaciousness of the home. If you find a big beautiful home in the country, but you’d prefer to be closer to the city sometimes you need to sacrifice a little bit of space to get what you want.
You can never change the location of your house but you could potentially add on or finish your basement.
The School District Will Affect Your Home Value
Before purchasing a home it is always good for you to look into the school district, even if you don’t have children. If it is a sought after school district with a high grade point average, people will be willing to pay more for you home when you do decide to sell it.
South Nashua homes for sale are located in the best school district within the city. The homes in South Nashua are highly sought-after, have the highest resale value and attract the wealthiest buyers.
Put Some Money Away For Home Improvements
Home Improvements can be very expensive, and sometimes unexpected. There are a lot of things you can do by yourself, rather than hiring a company to complete the repairs in your home. Your house is your most valued asset so make sure to keep it in good repair.
Fixing up your home yourself will same you a ton of money and add sweat equity which equates to an added resale value of your South Nashua home for sale!
Don’t Overlook The Landscaping!
The exterior curb appeal is the first thing anyone will look at in regards to your home. Updates to the exterior of the home you decide to purchase can add up just as quickly as the interior improvements. If you don’t want to spend any money on the landscape, or you don’t have much to spend due to your budget try finding a home that already has the amenities you desire.
Make sure to take a good look at the exterior and evaluate the true condition before you purchase a South Nashua home for sale.
Don’t Max Out Your Qualification Budget
If you try to use every last cent that you qualify for, odds are you will have a smaller number of options. If you are willing to come down in your price range, more options will open up for you once you purchase. This means you will have money left over for any renovations or decorating you’d like to do to make your new place truly feel like home.
You don’t want to feel like you are house poor. If you can’t ever go out for dinner or buy a pair of shoes will you truly be happy just living day to day? If you don’t overextend your budget ultimately you will be happier down the road.
Looking for your first home can be very nerve wracking, so don’t try to do it on your own. Our agents’ job a Harmony Real Estate is to take the stress off of you, and make purchasing a home a bit easier for you.
Give our agents a call at Harmony Real Estate (603) 883-8840 for more information on buying a South Nashua home for sale. We would love to be instrumental in your new purchase.