Purchasing a house requires an investment from you as a buyer. You will need at least a 3-5% down payment unless you are a Veteran going VA or are buying in a rural location with USRD. However that’s not all you’ll need. There are also hidden costs to home ownership.

Unless the seller helps with closing costs that will be additional, as well the appraisal and home inspection. Once you have purchased the house you’ll also want to make sure that you’ve set aside some additional funds for home maintenance. While these may all be costs you were aware of, what are the hidden costs of owning a house? Below are 3 hidden costs of home ownership.

Mortgage Interest

Mortgage interest is the interest you pay to the bank in order to get the loan for your house purchase. It is calculated as a percentage of the total loan amount for the mortgage that was given to you through the lender. At the beginning of the loan a larger portion, almost 50% of your payment goes directly toward the interest.

You can never get rid of mortgage interest from your loan but it’s possible to reduce the length of time paying it. To get rid of your mortgage at a faster rate, make one extra payment a year. Then you can chop off years from your loan. Home ownership is a goal that can be achieved.

HOA Dues

If you own a home in an HOA you will have an additional monthly or yearly fee. HOA fees are disclosed when you purchase your house or condo but the fees can increase over time. Make sure to look at the budgets and reserves of the Association before you decide to purchase a house or condo.

Special assessments can also be added on to your fees if there isn’t enough money to cover needed repairs. This is usually an additional fee that is charged to the owner over a period of time, from only a few months to several years.  If an Association doesn’t have enough in reserves for maintenance such as roof, septic or siding it could be costly to you as the owner. HOA fees typically cost home owners $250 to $450 every month.

Security Features

After you purchase a new house it’s best to make sure that no one else has access to it. The doors should be rekeyed or new locks should be installed. If you have a security system, garage door openers or keyless entry it’s in your best interest to reprogram all of the entry points as soon as you purchase the home. There’s just no way to know how many people have had or still have a key to your house. So it’s in your best interest to get it done for your own safety.

There are easy how to videos that can even show you how to do it yourself. I've included some how to videos below for use on how to reprogram your garage door opener or rekey your doors.

The extra hidden costs of home ownership can be a hassle but it’s definitely worth it. Home ownership is the American dream after all! Just make sure to plan in advance for a few bumps in the road, even if you don’t plan on it.

It’s easy to get preoccupied with making the house look perfect for showings but safety is a bigger concern. With strangers walking around your house during showings, precautions for your Hudson house for sale will make sellers feel safe. Below are 5 tips to protect your house during a showing.

The buyers are supervised by a real estate agent but there is still a lot of foot traffic through your home. A security system is helpful as a tool for owners but it is a felony to record anyone without their permission. Most buyers have good intentions and showings are usually problem free but it’s best to prepare just in case.

Hide your valuables

Sellers should hide their valuables when selling their Hudson house for sale. Removing jewelry, electronics like phones, tablets or laptops and other valuable items is always a good idea when you have strangers coming to your home. You can put them in a safe or hide them so that they are not in plain sight. Even medications and identifying paperwork should be kept locked away as prescription drug theft or identity theft can also become a problem. Weapons such as guns and large kitchen knives should also be locked up or removed to prevent theft and further protect you.

Replace Artwork

If you have expensive artwork in your home it’s best to replace it with prints or reproductions prior to listing your home on the market. If your house will be empty it’s even more important to take them down prior to your move. When in doubt take it down and pack it away.

Remove Personal Photos

A homey feel is great as it can help buyers imagine their family in your home. However, with lots of new people in your home it is best to protect your family. Putting away personal photos protects the sellers and their family. You want the buyers to be able to look around and envision themselves and their family instead of yours.

Have buyers sign in

During open houses buyers should sign in and leave their name and phone number. Then if there is suspicion of theft, there is a record of who attended during the open house. When other agents show the house they will also leave their information. Signing in helps keep track of everyone who looks at the house.

Secure the house

Make sure the sellers have their house securely locked before showings. When possible the listing agent should use a supra to gain access to the house so that when agents enter the house there is a way to track it.

It’s important to think about safety with so many prospective buyers entering and exiting the sellers’ house. It is important to protect homeowners and their identities. It’s impossible to keep an eye on everyone at all times. Although most buyers are honest, consider the possibility that some aren’t. It’s always better to be safe than sorry.

This Ranch style Hudson house for sale just sold for $35,000 above asking price!  This home is located at 1 Stuart St Hudson NH 03051 close to town, just off Exit 2. Cosmetic work will go a long way!

This Hudson NH Split style house for sale features 3 bedrooms, 1 bathroom, hardwood floors, a heated unfinished basemen, an eat-in kitchen, a large living room and a 2 car detached garage.

With some updates to the kitchen a fresh coat of paint this house will shine. A new furnace and hot water heater were installed in 2008 and the roof is only 6 years old. 

There is hardwood flooring in the main living area and in all the bedrooms. The basement just needs a few interior touches to finish it off. It’s partially plumbed for a bathroom with heat and a huge stone fireplace. The walls, floors and ceiling just need to be installed.

This Hudson home is centrally located!

Ideally located close to town just off of Route 3A/Dracut Rd this Hudson Split Style house for sale is in the perfect location. This Hudson NH house for sale is on the corner of Dracut Rd and Stuart St across from St Kathryn’s Parish close to all the amenities you could ever need.

This house is located about 1 minute from Exit 2 on Route 3 in Hudson NH or 15 minutes to Exit 4 on Route 93, in Londonderry NH for commuters. It is conveniently located on the Massachusetts border for commuters. And it’s close to shopping, restaurants, supermarkets and only 5 minutes to the Pheasant Lane Mall in South Nashua for even more shopping fun.

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

1 Stuart St, Hudson NH 03051 Map

Stuart St is located within a 5 minute drive to Nashua, 30 minutes to Manchester and an hour to Boston for commuters. Robinson Pond is located minutes away for town residents to enjoy swimming, boating, fishing and more. Bensons Park is also only a couple minutes away with mature landscaping, trails, a pond, a playground, memorial benches, a pavilion, walking paths and more. 

A Hudson home first floor living in mind

Open the front door to the large living room which leads into the kitchen. The eat-in kitchen has a large pantry and could be opened up to the living room if open concept is wanted. There is hardwood flooring in the living room with a large picture window. The hallway leads to all 3 bedrooms with hardwood flooring as well. The back bedroom has first floor laundry hookups but the hookups can also be used in the basement.

Get a Good Night’s Rest in this Hudson home’s 3 bedrooms

There are 3 Bedrooms in this Hudson NH Split Style home for sale. All 3 Bedrooms are located on the first floor with hardwood floor. There is full bath on the first floor with a double sink and a closet.

An unfinished basement for expansion potential

Another great feature of this home is the unfinished walk-out basement. It is already plumbed for a bathroom, and the heat and a stone fireplace has been installed.  The basement walks out to the side yard. With a little bit of work an additional 1152 square feet of living space could be added to this home.

The covered porch is the perfect for outdoor fun. Add a small table and some chairs and enjoy the scenery.

The backyard has more than enough space for everyone to run around and play or for pets to enjoy.

The whole house 1 Stuart St, Hudson NH consists of five rooms, 3 bedrooms and 1 bath. It is located on .9 acres. There is a large 2 car garage with a paved driveway and 4+ car parking. The taxes for 2020 are $4198. The current 2020 tax rate for Hudson, NH is $20.28 per thousand dollars of assessed property value.

This Hudson NH Split sold for $285,000, which was $35,000 over asking price. If you are looking to buy or sell call (603) 883-8840 today.

Below are some interior and exterior photos of the home:

South Hudson, New Hampshire

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

This lovely 3 Bedroom Rolling Green Hudson Condo for sale is waiting for you. This Hudson NH Condo for sale is in move-in condition waiting for you to call it home. This condo is located in a desirable neighborhood setting in a golf community.

This Hudson townhouse features 3 Bedrooms, 3 baths with laundry, pergo and tile flooring. It has an open concept living room to eat-in kitchen. This Hudson townhouse is ready for you're occupancy.

This Townhome condo has 1,489 square feet of interior living space for you and your family. The open concept layout is awesome for entertainment and extends out to the patio overlooking the woods for family gatherings.

The Townhome was freshly painted and has updated kitchen cabinetry and a tile floor. With a the neutral tones already in place and a few personal touches of décor you can call this Townhouse home.

Convenient for Commuters

This Hudson Townhome for sale is ideally located close to Route 3/102, Route 93 and the Manchester Airport. Tucked away in the desirable Rolling Green Association, this Hudson NH Townhome for sale is close to all the amenities of the city.

The Townhome at 30 Riviera Rd is located just 7 minutes from Exit 2 on Route 3 in Hudson NH and about 7 minutes from Exit 4 on Route 93, in Londonderry NH for commuters. Close to restaurants, supermarkets, shopping and about 15 minutes to the Pheasant Lane Mall in South Nashua this Townhouse is close to all the amenities and could ever desire.

The library and local schools are also located within a mile radius.

30 Riviera Rd, Hudson NH 03051 Map

Riviera Rd is located within a 10 minute drive to Nashua or 20 minutes to Manchester but it is far enough away to feel like a town. Robinson Pond is located about 10 minutes away for town residents to enjoy swimming, boating, fishing and more. Bensons Park is also located a couple minutes away with mature landscaping, trails, a pond, a playground, memorial benches, a pavilion, walking paths and more. 

Open concept in this Hudson Condo for sale 

From the front door there is a tiled entryway with a half bath and an open concept living area. The large living room with pergo flooring extends into the eat-in kitchen which leads to a patio overlooking the woods through the slider. There is ample cabinetry storage in the kitchen. Freshly painted with neutral colors this townhome is move-in ready.

Relax in this Hudson Condo for sale’s bedrooms

There are 3 Bedrooms in this Hudson Condo for sale. Two bedrooms and two baths are located on the second floor. The Master Suite has double closets, its own private full bath and thera is ample space for a king size bedroom set. The 3^rd floor loft bedroom has an added bonus with a door leading out to the deck.

Enjoy the outdoors at this Hudson condo for sale

The patio has enough room for a small table and a few chairs for your relaxation and outdoor enjoyment. It is a perfect spot for some outdoor fun and entertainment. Get your barbecue grill and enjoy al fresco meals.

Rolling Green Association Amenities

Rolling Green is a golf course community with discounted fees to Whip-Poor-Will golf course. The amenities also include a clubhouse, an in-ground pool, a basketball court, a tennis court and a playground.

The whole Townhouse at 30 Riviera Rd, Hudson NH 03051 consists of five rooms, 3 Bedrooms and 3 Baths. It is located in the Rolling Green Association with a common paved driveway for 2 car parking. The taxes for 2018 are $3,505. The current 2018 tax rate for Hudson, NH is $20.10 per thousand dollars of assessed property value.

Enjoy this Hudson NH condo for sale for only $224,900. Call (603) 883-8840 today to schedule a showing.

Below are some interior and exterior photos of this Hudson Townhouse. Call or email to take a look at this lovely Hudson Townhome for sale.

Are you looking for a Hudson NH house for sale? Do you want a Split style home in move-in condition? Then, this is the home you have been waiting for! This house is located close to town in the desirable Birchcroft neighborhood.

Open Concept Living in this Hudson NH house for sale

This Hudson NH house for sale features 3 bedrooms, 2 bathrooms, hardwood floors, a finished basement and an updated kitchen with an open concept layout to the dining area, a large living room with a fireplace and a heated garage.

With 1,508 square feet of interior living space for your family space, this well cared for Hudson Split style home also sits on .34 acres and has a covered deck and enclosed patio for your outdoor fun and enjoyment. You will definitely enjoy comfortable living in this open concept Split near restaurants, stores and amenities.

A move-in Ready house with a beautiful yard

The exterior has been beautifully maintained with garden beds next to the front door and a paver walkway for beautiful curb appeal. There is even a shed in the backyard for storage.

It also has several recent updates. The kitchen was updated with granite countertops, and a new gas stove. A new boiler was installed 2 years ago. The roof is only a year old, and there is new tile in the bathrooms.

The interior has been freshly painted with neutral, move-in ready colors. There is carpet in the main living area but there is also hardwood floors underneath. The original owners loved the warmth of carpet but the hardwood floor could be what you have been looking for.

Conveniences and Amenities are close to this home

Experience comfort and convenience in this Hudson Split Style home for sale. It is ideally located close to downtown just off of Route 3A/Lowell Rd. This Hudson NH home for sale is tucked away in a desired neighborhood but it is also close to all the amenities you could need in the city.

19 Winnhaven Dr, Hudson NH 03051 Map

This house is located about 5 minutes from Exit 2 on Route 3 in Hudson NH or 10 minutes to Exit 4 on Route 93, in Londonderry NH for commuters. It is conveniently located close to shopping, restaurants, supermarkets and is about 15 minutes to the Pheasant Lane Mall in South Nashua for even more shopping fun.

The location of this Hudson house for sale is superb

Winnhaven Dr is located within a 5 minute drive to Nashua, 30 minutes to Manchester and an hour to Boston for commuters. Robinson Pond is located minutes away for town residents to enjoy swimming, boating, fishing and more. Bensons Park is also only a couple minutes away with mature landscaping, trails, a pond, a playground, memorial benches, a pavilion, walking paths and more.

A Hudson NH house for sale designed with open concept living in mind

Open the front door to the foyer which leads up or down to two separate living spaces. Take a few steps up to the living room which is open to the dining area and the kitchen for fun family gatherings and use. There is hardwood flooring under the carpets, a fireplace in the living room, an open concept feel which open out to the covered porch off the dining area.

The kitchen has lots of storage and space for the chef in you to explore. Next to the kitchen is a dining area which has views of the backyard through the slider to the covered porch.

The living room has a bright and airy feel with a picture window allowing lots of light to stream through.

Relax in this Hudson home’s 3 bedrooms

In total, there are 3 Bedrooms in this Hudson NH Split Style home for sale. All 3 Bedrooms are located on the first floor. There is full bath on the first floor with ample space for your family.

The Master Bedroom is large enough for a King sized bed and a few bureaus. You can relax and rest in your new space after a long day.

A finished basement adds more space

Another great feature of this home is the finished area in the basement. There is a finished family room which is adjacent to the heated 1 car garage, and a workshop which leads to a covered patio in the backyard.

The finished space in the basement has several possible uses. It could be used as a family room, a playroom, a den, a computer room, a work space, a workout area or even a hangout room. There is a ¾ bath downstairs as well for your convenience. There are several potential uses for the space depending upon your need.

Enjoy your outdoor living space

The covered deck is the perfect spot for outdoor entertainment and fun. Add a patio set and enjoy the scenery. The screened patio is another great spot to relax and unwind during your down time. The backyard has more than enough space for kids or your pets to run around and play.

 
The whole house 19 Winnhaven Drive, Hudson NH consists of seven rooms, 3 bedrooms and 2 baths. It is located in a neighborhood on .34 acres with a covered porch, shed and a landscaped front yard. There is a 1 car garage with a paved driveway and 6+ car parking. The taxes for 2018 are $4771.74. The current 2018 tax rate for Hudson, NH is $20.10 per thousand dollars of assessed property value.

Enjoy all the amenities of this Hudson NH Split for only $290,000. Call (603) 883-8840 today to schedule a showing.

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

Hudson, New Hampshire
Are you new to the Hudson, New Hampshire area? Are you considering Hudson NH a place you might want to call home? Do you want to learn more about Hudson, New Hampshire? If you’re interested in learning more about Hudson, 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 home in North Hudson, 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.

Take a look at this Hudson Condex for sale with a 1 Car Garage. Have you been looking for a 2 bedroom condex in Hudson? Then check out this Split Style Condex home at 87A Pelham Rd Hudson NH 03051!

Images by Virginia Kazlouskas

This Hudson condex for sale is looking for a new owner. Featuring 2 bedrooms, a bath, first floor laundry, an eat-in kitchen with a dining area leading to the sunroom and deck, and a living room with a picture window. This Hudson home is waiting for you!

The home for sale is close to town center and gives you 1,374 square feet of interior living space for your family. It has an open concept flow from the kitchen to the living room for all your entertainment needs. This home has neutral colors and new carpeting in the living room to match all your décor.

 This Hudson CONDEX FOR SALE has the perfect layout 

Walk up the pathway to the front door into the foyer. Just a few steps down and you will be in the living room which leads to your new eat-in kitchen. The living room is large with new carpeting and a picture window to brighten your day. The home’s living area leads to the Eat-In Kitchen and Laundry Room which has access to the Sunroom and Deck for summer fun.

 Relax in this Hudson Condex home’s 2 bedrooms

 This Hudson NH Split Condex house for sale has two large bedrooms for rest and relaxation. Both bedrooms are located on the second floor with a full bath. The Master Bedroom has an extra room attached to it. The room could be used as a den, a Walk-In Closet, a computer room, a laundry room, a workout room, a playroom, a nursery or it could even be made into another bathroom. This additional room has endless possibilities that could suit your family needs.

Enjoy the natural setting

This home has a private wooded view on 1.785 acres. Enjoy watching nature from your deck.

Conveniently Located

Conveniently located off Rte 3 this home is waiting for you. This Hudson home for sale is ideally located close to downtown with shopping and entertainment options nearby. It is set back in a neighborhood, but this Hudson NH home for sale is close to amenities such as Wal-Mart, Market Basket, Sams Club, Dunkins Donuts and more.

The home at 87A Pelham Rd is located just minutes from Exit 2 on Route 9 in Hudson NH for commuting. Tucked away in the woods but within minutes to  Home Depot, Marshalls, the Post Office or more in Nashua. This home for sale is close to all the amenities you are searching for.

Pelham Rd is located within a 5 minute drive to Nashua or 30 minutes to Manchester but it's tucked away in a nice town with trees and open space. Robinson Pond is located in town for residents to enjoy swimming, boating, fishing and more. Bensons Park is also only a few minutes away with mature landscaping, trails, a pond, a playground, memorial benches, a pavilion, walking paths and more.

The whole house 87A Pelham Rd, Hudson NH consists of five rooms, 2 bedrooms and a bath. It is located off of Lowell Rd with a big front yard and a paved driveway for 1 car parking and a detached garage for 1 more car. The taxes for 2017 are $3818. The current 2017 tax rate for Hudson, NH is $19.27 per thousand dollars of assessed property value.

Enjoy this Hudson NH Split Style Condex home for sale for only $200,000. Call (603) 883-8840 today to schedule a showing or for more info.

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

Image by stevepb from Pixabay

Take a look around and see if you have any junk piles that can be organized or thrown away. Do you have a lot of pictures and shelves on your walls? Remove any personal photos and put away any portraits that are just laying around for a less cluttered look.

Do you have a lot of furniture in your home? How many pieces of furniture are in each room? Get rid of any extra pieces of furniture that are not necessary. Try to open up each room as much as possible. Organize your stuff and put it in the basement or donate it, instead of having wall to wall furniture in every room.  

Are old magazines piling up? Give them away or recycle them. Do you still have books from 10 years ago laying around? Make a donation and get a tax deduction, while you declutter your house! Clean out the junk drawers and your closets and make your house look bigger.

The toughest room is usually the bedroom  but it can be easy to declutter your house! Start with the bedroom closets then go through your bureaus. If you haven’t worn something in over a year, put it in the donation pile. If you can't decide, another way to get rid of things is to place everything on the hanger backwards. In a year, if the hanger is still backwards donate it because you haven't worn it.

Your house will look bigger and cleaner once you remove all the extra stuff. It will be worth the time you spend organizing! Don't forget it will make your Hudson NH house sell faster and for more money when you declutter your house.

If you are looking to sell your Hudson New Hampshire home for sale, reach out to our agents at Harmony Real Estate or give us a call at (603) 883-8840. We would love to help you with all your home selling goals. We are here to help you with all your real estate needs!

Are you considering shifting from renting to buying? Home ownership has its perks and tax benefits that you might want to consider.,

Are you tired of renting? Do you think that you are ready to buy your first South Hudson NH home for sale?

Here are a few factors that will help you to decide whether or not to buy your first home or continue renting!

1. You don’t have debt

If you have a lot of debt you most likely will not be able to get a lender to give you a loan for a mortgage. It is always worth a try, but odds are you won’t be to lucky if you’re over extended. If you are in debt that means you either can’t afford to pay your bills on time, or you just plain forget, which happens to the best of us. If you’re in debt you can’t manage to pull yourself out of, you may need to continue renting until you have the ability to change the situation.

But don’t give up before you try. There might be a way to get yourself out of a bad situation so that you will be able to buy that dream home in South Hudson you’ve been thinking about for so long. It may not be right away but we can also work with you to figure out a plan of action to make your dream of buying a South Hudson home for sale a reality!

2. You’re good with money

If you are good at managing your money, you always pay your rent on time, and you still have enough money left over for personal things such as groceries or your car payment, then you may be a great candidate for buying a South Hudson NH home! You will want to be sure you have enough money for a down payment, as well as some extra money for all the renovations your new home may need or that you want.

3. You have good credit

The sellers won’t want to accept an offer from someone with bad credit, because you won’t be able to get a pre-approval letter from the bank to back you up. So be sure you pay your bills, and any previous loans you’ve gotten in the past if you want to purchase your own South Hudson home for sale.

If you have good credit you can be trusted to pay a loan back to the bank. Which in plain terms means thy will lend you money for your mortgage! 

4. You want control of your surroundings

   When you are renting, you can’t renovate things the way you would like to because it’s someone else's property and not your own to make decisions about. If you have had dreams of living in a purple house, then buy a house and paint it purple! It is always nice to be able to personalize things and make them your own. 

If you have always wanted a beautiful fenced in yard with a nice pool in the backyard then you shouldn't be renting. Instead of renting, buy a South Hudson NH home for sale. Currently, rent prices are higher than it would cost to pay a mortgage and you won’t get the benefit of the tax break if you rent either. 

5. Your family is growing

If you have a growing family, and renting just isn’t working for you because you don’t have enough space, or enough rooms to be the perfect fit for you and your family then maybe it is time to buy your first South Hudson home for sale! A small home or a small apartment isn’t going to help you while your family is growing. 

If you are seeking a home for sale in South Hudson New Hampshire or the surrounding area give Harmony Real Estate a call today at (603) 883-8840 or visit our website at www.Harmony-RE.com for a list of South Hudson NH homes for sale! Our team is a family and we will make sure you find a home that best suits your needs. Reach our to our knowledgeable Agents. We look forward to hearing from you!