Tag Archives for " buyer "

November 20, 2017

What you need to know about typical closing costs for a Southern NH house for sale

Closing Costs are fees that are associated with the purchase of your Southern NH home for sale that are paid at the closing of a real estate transaction. The closing is the time at which the title of your Southern NH home for sale is transferred from the seller to the buyer. The closing costs of the loan are incurred by the buyer. While the seller pays for commission, transfer of the deed and a few other miscellaneous state fees.

There are many different fees you can expect to encounter when you are closing on a new home in Southern New Hampshire. They vary widely depending on where you live, the type of home you purchase, and the type of loan that you choose to take out. These fees may include:

  • Application Fee: The application fee covers the cost for the lender to process your application. Before submitting an application, ask your lender what this fee covers. Not all lenders charge an application fee, and if they do it is possible it can be negotiated.
  • Appraisal: This fee is paid to the appraisal company to confirm the market value of the home you intend to purchase. It typically costs from $400-$600 depending on the property type. With a VA or FHA loan the lender will require the appraisal to be at or above the purchase price unless the buyer is capable of paying the difference in cash which is typically not possible. If you are a conventional buyer in Southern NH and have a large down payment you should make the contract subject to the appraisal.
  • Closing/Escrow Fee: This is paid to the title company or the escrow company for conducting the closing. It usually ranges from $350-$600 depending on the company and type of closing. The title company or escrow oversees the closing as an independent party in your home purchase. We suggest using a company this knows Southern NH laws.
  • Courier Fee: This covers the cost of transporting documents to complete the loan transaction as quickly as possible. Usually courier fees don’t cost more than $50 each.
  • Credit Report: A credit report is needed to get your credit history and your credit score. Your credit score plays a big role in determining the interest rate you’ll get on your Southern NH loan. Typically the credit report runs from $25-$50 but could be more costly if there was a credit problem that had to be resolved.
  • Escrow Deposit for Taxes & Insurance: Often you are asked to put down up to six months of property tax and mortgage insurance payments when closing in Southern NH. So make sure to budget for it.
  • Flood Zone: This is paid to a third party to determine if the property is located in a flood zone. This should also be a small fee under $50.
  • Home Inspection: You will most likely get your own home inspection to verify the condition of a property, as well as to check for home repairs that may be needed before closing on your new home. Depending on whether there is a septic and well or public water/sewer and what other tests you do such as mold, lead, pests, radon, pool, etc. will determine how costly this will be. The basic inspections costs from $400-$1200 and could potentially be more depending on the tests you decide to have done on your Southern NH home for sale.
  • Homeowners Association Fees: The Seller will pay for this transfer which will show that the dues are paid current, what the dues are, a copy of the association financial statements, minutes and notices. There may also be a one-time fee for the buyer to join the Association that goes into the Reserves.
  • Homeowners’ Insurance: This covers possible damages to your Southern NH home. Your first year’s insurance is often paid at closing and the cost varies based on the size of the home, your credit and the amenities.
  • Lender’s Title Insurance: This is insurance to assure the lender that you own the home and the lender’s mortgage is a valid lien, and it protects the lender if there is a problem with the title. The cost varies based on the sales price of the Southern New Hampshire home you buy.
  • Owner’s Title Insurance: This is an insurance policy that protects you if someone challenges your ownership of your home. This cost also varies based on the price of the home you buy.
  • Origination Fee: This covers the lender’s administrative costs. It’s usually about 1% of the total loan.
  • Prepaid Interest: Most lenders will ask you to prepay any interest that will accrue between closing and the date of your first mortgage payment.
  • Property Taxes: Typically lenders will want any taxes due within 60 days of purchase by the lender to be paid at closing. There may also be taxes due to the owner that were prepaid.
  • Recording Fees: This is a fee charged by your local recording office for the recording of public land records. It is usually around $50.
  • Transfer Taxes: The transfer tax is one of the largest fees you encounter in New Hampshire. The NH Transfer tax is $15 per $1,000 of the sales price. This fee is split between the buyer and the seller unless otherwise agreed to in writing. In other states there are different fees and it may only be born by the seller.
  • Underwriting Fee: This also goes to your lender, covering the cost of researching whether or not to approve you for the loan. An underwriter looks at your file and makes the decision as whether your Southern NH home loan will be accepted or not.

Home buyers will pay anywhere between about 2% to 5% of the purchase price of their home in closing fees but it typically ranges around 3.5%. Your lender will give you a loan estimate for your loan, which will include what the closing costs on your home will be. Many of the fees that make up closing costs may be negotiable. You can also look around for different lenders to see who may be willing to offer you a loan with the lowest closing costs and especially the lowest interest rate.

If you are looking for a Southern New Hampshire home for sale give Harmony Real Estate a call at (603) 883-8840. You can also visit our website at www.Harmony-RE.com for a list of Sothern New Hampshire homes for sale. Our team is a family and we will make sure you find a home that best suits your needs! We look forward to hearing from you!

What Are the Closing Costs in Southern NH?



Closing Costs are fees that are associated with the purchase of your Southern NH home for sale that are paid at the closing of a real estate transaction. The closing is the time at which the title of your Southern NH home for sale is transferred from the seller to the buyer. The closing costs of the loan are incurred by the buyer. While the seller pays for commission, transfer of the deed and a few other miscellaneous state fees.



There are many different fees you can expect to encounter when you are closing on a new home in Southern New Hampshire. They vary widely depending on where you live, the type of home you purchase, and the type of loan that you choose to take out. These fees may include:


  • Application Fee: The application fee covers the cost for the lender to process your application. Before submitting an application, ask your lender what this fee covers. Not all lenders charge an application fee, and if they do it is possible it can be negotiated.

  • Appraisal: This fee is paid to the appraisal company to confirm the market value of the home you intend to purchase. It typically costs from $400-$600 depending on the property type. With a VA or FHA loan the lender will require the appraisal to be at or above the purchase price unless the buyer is capable of paying the difference in cash which is typically not possible. If you are a conventional buyer in Southern NH and have a large down payment you should make the contract subject to the appraisal.

  • Closing/Escrow Fee: This is paid to the title company or the escrow company for conducting the closing. It usually ranges from $350-$600 depending on the company and type of closing. The title company or escrow oversees the closing as an independent party in your home purchase. We suggest using a company this knows Southern NH laws.

  • Courier Fee: This covers the cost of transporting documents to complete the loan transaction as quickly as possible. Usually courier fees don’t cost more than $50 each.

  • Credit Report: A credit report is needed to get your credit history and your credit score. Your credit score plays a big role in determining the interest rate you’ll get on your Southern NH loan. Typically the credit report runs from $25-$50 but could be more costly if there was a credit problem that had to be resolved.

  • Escrow Deposit for Property Taxes & Mortgage Insurance: Often you are asked to put down up to six months of property tax and mortgage insurance payments when closing in Southern NH. So make sure to budget for it.

  • Flood Determination For Life of Loan Coverage: This is paid to a third party to determine if the property is located in a flood zone. This should also be a small fee under $50.

  • Home Inspection: You will most likely get your own home inspection to verify the condition of a property, as well as to check for home repairs that may be needed before closing on your new home. Depending on whether there is a septic and well or public water/sewer and what other tests you do such as mold, lead, pests, radon, pool, etc. will determine how costly this will be. The basic inspections costs from $400-$1200 and could potentially be more depending on the tests you decide to have done on your Southern NH home for sale.


  • Homeowners Association Transfer Fees: The Seller will pay for this transfer which will show that the dues are paid current, what the dues are, a copy of the association financial statements, minutes and notices. There may also be a one-time fee for the buyer to join the Association that goes into the Reserves.


  • Homeowners’ Insurance: This covers possible damages to your Southern NH home. Your first year’s insurance is often paid at closing and the cost varies based on the size of the home, your credit and the amenities.

  • Lender’s Policy Title Insurance: This is insurance to assure the lender that you own the home and the lender’s mortgage is a valid lien, and it protects the lender if there is a problem with the title. The cost varies based on the sales price of the Southern New Hampshire home you buy.


  • Owner’s Policy Title Insurance: This is an insurance policy that protects you if someone challenges your ownership of your home. This cost also varies based on the price of the home you buy.


  • Origination Fee: This covers the lender’s administrative costs. It’s usually about 1% of the total loan.

  • Prepaid Interest: Most lenders will ask you to prepay any interest that will accrue between closing and the date of your first mortgage payment.

  • Property Tax: Typically lenders will want any taxes due within 60 days of purchase by the lender to be paid at closing. There may also be taxes due to the owner that were prepaid.


  • Recording Fees: This is a fee charged by your local recording office for the recording of public land records. It is usually around $50.


  • Transfer Taxes: The transfer tax is one of the largest fees you encounter in New Hampshire. The NH Transfer tax is $15 per $1,000 of the sales price. This fee is split between the buyer and the seller unless otherwise agreed to in writing. In other states there are different fees and it may only be born by the seller.


  • Underwriting Fee: This also goes to your lender, covering the cost of researching whether or not to approve you for the loan. An underwriter looks at your file and makes the decision as whether your Southern NH home loan will be accepted or not.




Home buyers will pay anywhere between about 2% to 5% of the purchase price of their home in closing fees but it typically ranges around 3.5%. Your lender will give you a loan estimate for your loan, which will include what the closing costs on your home will be. Many of the fees that make up closing costs may be negotiable. You can also look around for different lenders to see who may be willing to offer you a loan with the lowest closing costs and especially the lowest interest rate.





If you are looking for a Southern New Hampshire home for sale give Harmony Real Estate a call at (603) 883-8840. You can also visit our website at www.Harmony-RE.com for a list of Sothern New Hampshire homes for sale. Our team is a family and we will make sure you find a home that best suits your needs! We look forward to hearing from you!
November 15, 2017

How to get rid of Mold in your South Nashua house

Mold, that’s definitely a word that no one ever wants to hear. The word can put terror into the eyes of any homeowner. After all, it can make you and your family sick, as well as weaken your walls, floors, and ceilings.


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:

  1. 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.

  1. 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.

  2. 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.

  3. 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.

  4. 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.


November 9, 2017

Find Your New Home: Beautiful 3-Bed Split Level at 19 Morningside Dr Hooksett NH 03106

Are you searching for a move-in ready Hooksett Split home that combines updated features with spacious living? Look no further than 19 Morningside Dr Hooksett NH 03109! This beautifully renovated Split style home offers 3 bedrooms, 3 baths, and a 2-car garage, all set on 2 acres of private land at the end of a peaceful cul-de-sac.

https://youtu.be/efs93JOnWB8

Open Kitchen Area at 19 Morningside Dr Hooksett NH

The heart of this Hooksett Split home is its open-concept kitchen, dining, and living area. The eat-in kitchen features new cabinets with ample storage, stainless steel appliances, and granite countertops. A bright picture window fills the dining area with natural light, while cathedral ceilings and wood laminate floors create a spacious and inviting atmosphere. A pellet stove in the dining area provides efficient warmth for cozy evenings.

Spacious Living Area in this Hooksett Split Home

The living room at 19 Morningside Dr Hooksett NH is bright and welcoming, complete with a bow window and a fireplace, ideal for family gatherings or quiet nights at home. The open layout ensures seamless flow for entertaining guests or everyday life.

Relaxing Master Suite at 19 Morningside Dr Hooksett NH

Your master bedroom in this Hooksett Split home offers a private retreat with an en suite full bath and views of the serene, wooded backyard. Large enough to fit a king-sized bedroom set, this peaceful space provides comfort and privacy for rest and relaxation.

Versatile Bedrooms and Bathrooms

With 3 bedrooms and 3 full baths, this Hooksett Split home at 19 Morningside Dr Hooksett NH offers flexibility for family living. Each space is ready for your personal touch, whether for guests, children, or a home office. The additional bathrooms provide convenience and ease for busy mornings.

Full Walk-Out Basement and Two-Car Garage

The finished basement at 19 Morningside Dr Hooksett NH adds extra living space and versatility. Perfect for a game room, playroom, craft area, or family room, the potential uses are endless. The 2-car garage provides ample storage and easy access to the home, while a long driveway accommodates 6+ additional vehicles.

Exterior Features and Outdoor Living

Set on 2 acres, this Hooksett Split home offers privacy and beautifully landscaped grounds. Enjoy the new front deck, walkway, irrigation system, and garden. The home is backed by mature trees and situated off the road for ultimate curb appeal.


Convenient Hooksett Location

This Hooksett Split home is conveniently located near Hackett Hill Rd, just minutes from shopping, restaurants, and major highways. Route 93 and Route 293 are only a short drive away, with Manchester and the Mall of NH close by. For commuters, Concord is within 15 minutes, Nashua within 30 minutes, and Boston just over an hour away.

Move-In Ready and Renovated

Recent updates to this Hooksett Split home include new kitchen cabinets, Harvey windows, a roof, energy-efficient lighting, fresh paint, carpeting in the basement, irrigation system, exterior landscaping, and a new well pump. With a 7-year-old furnace, this home is ready for its next owners!

Welcome to 19 Morningside Dr Hooksett NH

Don’t miss your chance to own this move-in ready Hooksett Split home at 19 Morningside Dr Hooksett NH with 3 bedrooms, 3 baths, full basement, and 2-car garage on 2 acres of private land. Call Virginia Kazlousaks at Harmony Real Estate at (603) 883-8840 to schedule a showing today!

Hooksett, New Hampshire

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.

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.

November 9, 2017

Find Your Perfect Haven: South Nashua Luxury Homes for Sale

Are you searching for a dream home that blends comfort, style, and space? The luxury homes for sale in South Nashua offer everything you need. Many buyers want a beautiful home with room to grow, a smart layout, and a great location close to every daily need. South Nashua continues to be one of the top areas in Southern NH for these reasons and more.

This part of Nashua offers peaceful neighborhoods, elegant homes, and easy access to the best features of city living and the calm of the suburbs. Whether you want extra space for your family, a place to relax, or a home that makes every day feel special, you can find it here.

Beautiful Choices Among Luxury Homes for Sale

The luxury homes for sale in South Nashua come in many styles. Every buyer has different needs, and these homes offer something for everyone. You may find bright open concept layouts, gourmet kitchens with high end appliances, and spacious master suites with private bathrooms. Many homes include bonus areas like home theatres, game rooms, sunrooms, or private outdoor spaces.

Large lots and elegant curb appeal add even more value. Many homes feel private while still being close to everything. Sunlight, views, and peaceful surroundings make these neighborhoods feel warm and upscale.

Enjoy True Convenience With Luxury Homes for Sale in South Nashua

South Nashua offers some of the best convenience in Southern NH. You will find two well known golf courses nearby. These include the Nashua Country Club and the Sky Meadow Country Club. They offer beautiful rolling views that make every day feel relaxing. Living near a golf course also gives you access to the sport you love whenever you want.

Many buyers also appreciate the easy access to Route 3. You can reach the highway within minutes from Exit 1 or Exit 4. This is ideal for Massachusetts commuters. Shopping, dining, entertainment, and the Pheasant Lane Mall are all just a short ride away. The convenience adds more value to the luxury homes for sale in this area.

What Features Do You Want in Luxury Homes for Sale

Buyers searching for luxury homes for sale often have a long wish list. The homes in South Nashua make it easy to find everything you want in one place. Some buyers want a spacious gourmet kitchen. Others want a bright open layout. Many want extra rooms such as a private office, a theatre room, or a gym. Some want a pool or a large fenced yard.

The great news is that many homes in South Nashua offer several of these features. You can find homes that feel like your forever home the moment you step inside.

Strong Resale Value With Luxury Homes for Sale in South Nashua

South Nashua continues to hold strong resale value because of the excellent location and top rated schools. The Bicentennial School District is one of the highest rated in Southern NH. Parents and students love the strong programs and community feel. This makes the homes in the district even more desirable.

Luxury buyers often want a location that feels safe, beautiful, and convenient. South Nashua checks every box. Because of this, the luxury homes for sale in this area often sell quickly and hold their value even during challenging markets.

Find Your South Nashua Dream Home Today

If you want to tour the current luxury homes for sale, we are here to help you every step of the way. Our experienced REALTORS know the South Nashua market and understand what buyers are looking for. We can guide you through every option and help you choose the home that fits your goals, lifestyle, and dreams.

Call Harmony Real Estate at (603) 883-8840 for a full list of homes available today. You may also visit Harmony-RE.com to explore listings, learn more about South Nashua, and discover the luxury lifestyle this area offers. Our Agents would love to help you find the perfect luxury home in one of the most loved communities in Southern NH.

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.
November 8, 2017

How to Get Rid of Squirrels in Your South Hudson House

Are you looking for a way to get rid of squirrels in your attic? You may not know where to start when you figure out that the thumping sounds in your attic are coming from squirrels. If you are looking to sell your South Hudson home and you have pests in your attic the buyers will definitely want them gone fast. 


Although an exterminator is trained to get rid of pests such as squirrels, bats, mice, ants or even more it can also be very expensive. If you are worried that you are doing it properly you should always contact a professional but may not always be required.


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.

How To Get Rid of Squirrels in Your Attic



You may be lost when you figure out that the thumping sound in your attic is a squirrel. If you are looking to sell your South Hudson home and have pests in your attic the buyers will definitely want them gone fast. Although an exterminator is trained to get rid of pests such as squirrels, it can also be very expensive. If you are worried that you are doing it properly you should always contact a professional.


However, 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

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.


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.



Keeping Them Out

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 in your home purchase.


November 6, 2017

Multi-Family for Sale at 25 Cross St Nashua NH 03060

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 2 family located at 25 Cross St Nashua NH is for you! It has the potential to be an investment or an owner occupied unit.

This Nashua NH Multi-Family located at 25 Cross St Nashua NH 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 at 25 Cross St Nashua NH

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 located at 25 Cross St Nashua NH

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 at 25 Cross St Nashua NH adds more storage

Aside from it’s convenient location, one of the best things about 25 Cross St Nashua NH 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 at 25 Cross St Nashua NH 03060

The 5 car detached garage at 25 Cross St Nashua NH 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 located at 25 Cross St Nashua NH  03060 for only $299,900. Call (603) 883-8840 today to schedule a showing with Virginia Kazlouskas.

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


Downtown Nashua, New Hampshire

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.

<iframe src="https://www.google.com/maps/embed?pb=!1m18!1m12!1m3!1d2929.0522903199885!2d-71.4637506842757!3d42.76609937916179!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x89e3b1269c374d09%3A0x593331845f40bebc!2s25+Cross+St%2C+Nashua%2C+NH+03064!5e0!3m2!1sen!2sus!4v1509994735252" width="600" height="450" frameborder="0" style="border:0" allowfullscreen></iframe>
November 6, 2017

4 Tips to House Buying Made Simple

The whole process of looking for and purchasing a home can be very stressful, but the agents at Harmony Real Estate are here to help! 


Here are a few simple steps you should take when buying a home in South Nashua:

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.


The whole process of looking for and purchasing a home can be very stressful, but the agents at Harmony Real Estate are here to help! Here are a few simple steps you should take when buying a home in South Nashua!



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 off 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.


October 31, 2017

South Nashua Guide: Advice for 1st Time Home Buyers

Being a first time buyer can be a little scary, but The Harmony Real Estate team is here to help! If you have questions don’t hesitate to ask. No question is too big or too small. Don’t be afraid to ask questions and get answers from our experienced real estate agents. 


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.



Being a first time buyer can be a little scary, but The Harmony Real Estate team is here to help! If you have questions don’t hesitate to ask. No question is too big or too small. Don’t be afraid to ask questions and get answers from our experienced real estate agents.


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.



October 13, 2017

Discover Hidden Gems: South Hudson NH Houses for Sale Now

Southern NH Houses for sale

Hudson NH is located just off the Massachusetts border. It is perfectly suited for commuters working in Massachusetts or nearby towns. South Hudson NH houses for sale are just minutes from Route 3, making travel easy. Surrounding towns include Nashua, Litchfield, Londonderry, Windham, Pelham, and Tyngsboro MA.

In the past year, single-family home prices in South Hudson NH ranged from $192,000 to $1,000,000, with a median sold price of $349,000. Condos ranged from $148,000 to $337,500, with a median price of $178,000. With such variety, buyers can find a home that fits their needs and budget.

Rich History in South Hudson NH Houses for Sale

Many historic landmarks in Hudson NH are tied to the Hills family. Alfred and Virginia Hills were prominent founding families. Alfred built the Hills House in 1890 on Derry Road for Virginia. Today, the Hudson Historical Society preserves the house and shares its history.

Alvirne High School and Alvirne Chapel were donated by the Hills family. The name Alvirne comes from a combination of Alfred and Virginia’s names. Both the Hills House and Hills Memorial Library are listed on the National Register of Historic Places. Hills Memorial Library, located at 18 Library Street, was one of New Hampshire’s oldest public lending libraries. The new George H. and Ella M. Rodger Memorial Library is now located at 194 Derry Road.

Community Spirit and Local Events

Hudson residents are very active and involved in their community. The Hills House land hosts yearly events such as Old Homes Days, Pumpkin Fest, Bronco Belly Bustin’ Chili Fiesta, and Alvirne High School activities. These events are non-profit and support local causes.

Old Homes Days features tours, games, carnival rides, live music, fireworks, dancing, petting zoos, pony rides, and food. Pumpkin Fest is New England’s largest outdoor craft fair with over 80 crafters and vendors. Visitors enjoy entertainment, a classic car show, pony rides, cow pie bingo, pumpkin carving, and more.

Schools and Education in South Hudson NH Houses for Sale

Hudson has excellent educational options for families. Elementary schools include Dr. H.O. Smith, Library Street, Hills Garrison, and Nottingham West. Hudson Memorial serves as the junior high, and Alvirne High School is the only high school. PMA is a Catholic K-8 private school. Niche rates the Hudson School District a B.

Alvirne High School offers one of the largest vocational programs in New Hampshire. Students can gain hands-on experience through businesses like a restaurant, bank, dairy farm, store, day-care, and forestry program. The dairy farm continues the Hills’ requirement that the land remain a working farm. Seniors and adults with disabilities can access cognitive and social stimulation through the Adult Day Service at Alvirne.

Recreation and Outdoor Living

One of Hudson’s most memorable landmarks is Benson’s Park. Originally a zoo, it now features a playground, walking trails, a pond, memorial benches, and pavilions. Structures like the old Lady in the Shoe, Elephant House, and Gorilla House were preserved from the zoo. The park also includes a “911” memorial built from World Trade Center steel girders.

South Hudson offers additional recreation with two lakes, ponds, and a swamp for endangered birds. Robinson Pond in the north has a public beach and boat ramp. Ottarnic Pond near Hudson Center allows boating and fishing. Musquash Pond and Swamp provide a sanctuary for birds. Golf enthusiasts enjoy Whip-Poor-Will Golf Club and Green Meadow Golf Club.

Commuter-Friendly Location and Local Economy

South Hudson NH houses for sale appeal to commuters with easy access to Boston and surrounding areas. The nearest airports are Boire Field in Nashua and Manchester Airport. Major local employers include BAE, Benchmark, the Hudson School District, and Prestek.

Why South Hudson NH Houses for Sale Are in High Demand

South Hudson homes offer affordability, great rates, and versatile options for families, retirees, and commuters. The town combines a strong sense of community with beautiful parks, historic landmarks, and recreational activities. With excellent schools, proximity to Massachusetts, and a rich local culture, it is easy to see why buyers are drawn here.

Harmony Real Estate has been serving Hudson NH since 2002. We are family-owned and treat clients like family. Our agents are ready to help you buy or sell your South Hudson NH houses for sale and find the perfect home for your lifestyle.

Contact Us Today

If you are ready to explore South Hudson NH houses for sale, call Harmony Real Estate at (603) 883-8840. Let our experienced agents guide you through the buying or selling process. Visit our website at www.Harmony-RE.com for the latest listings and local insights.

Hudson NH is located just off the Massachusetts border ideally suited for commuters who work in the surrounding area or across the Massachusetts border. The surrounding towns consist of Nashua NH, Litchfield NH, Londonderry NH, Windham NH, Pelham NH and Tyngsboro MA. In the past year, prices of single family homes in South Hudson NH ranged from $192,000 to $1,000,000 with a median sold price of $349,000, while condos ranged from $148,000 to $337,500 with a median sold price of $178,000.

 

Many of the existing town markers in Hudson NH are attributed to Alfred and Virginia Hills. They were one of the prominent founding families to settle in Hudson, NH. Alfred had the Hills House built for Virginia in 1890 on Derry Road. The Hudson Historical Society has maintained and preserved the Alvirne Hills House since 1966. Alvirne High School and Alvirne Chapel were donated to the town by Alfred and Virginia Hills. The name Alvirne was derived by the combination of both of their names.

 

The Hills House and the Hills Memorial Library are both listed in the National Register of Historic Places. Hills Memorial Library is a stone and mortar library located on 18 Library Street in Hudson NH. It was one of the oldest public lending libraries in New Hampshire. The Friends of Hudson Libraries still hold book sales there, it can be used as a meeting space and they are also considering new proposed uses for the future of the building. A new library, George H. and Ella M Rodger Memorial Library, was constructed at 194 Derry Rd in Hudson NH.

 

Hudson residents are very active in their community. The Hills House land is used every year to host events such as Old Homes Days, PumpkinFest, Bronco Belly Bustin’ Chili Fiesta and activities for Alvirne High School. The events held are non-profit events held to benefit the community and those in need.

 

Old Homes Days has games/contests, tours, carnival rides, music, fireworks, dancing, bands, a petting zoo, pony rides, food and more. Pumpkin Fest is New England’s largest outdoor craft fair with over 80 crafters/vendors. There are carnival rides, food vendors, entertainment, a classic car show, pony rides, cow pie bingo, pumpkin carving and more.

 

If you have school aged kids Hudson has several elementary schools, a junior high, a high school and a private school. Dr H.O. Smith, Library Street, Hills Garrison and Nottingham West are the elementary schools in Hudson, Hudson Memorial is the only Junior High, Alvirne is the only High School and PMA is a Catholic K-8 private school. The overall rating as stated by Niche for the Hudson School District is a B. There are also several private kindergarten and daycares.

 

Alvirne High School has one of the largest Vocational Programs and has several student run businesses such as a restaurant, bank, dairy farm, store, day-care and forestry program. The dairy farm is a great addition and due to the Hills requiring the land to always be used as a farm. There is also an Adult Day Service through Gateways that is available at Alvirne for seniors and disabled adults looking for cognitive and social stimulation who are also able to provide health services.

 

The most memorable family landmark in Hudson is Bensons Animal Park. Originally it was zoo that until 1987 offered live animals and trainers, kiddie rides as well as some local eats! There was a railroad that connected Boston to Hudson which brought many outside visitors to the zoo. In 2002 repairs began on the Park and in 2010 it was converted into what we now know as Benson’s Park.

 

The old Lady in the Shoe, the Elephant House and the Gorilla House are structures from Bensons Animal Park that have been restored and incorporated into the new Park. Benson’s Park now has a playground for children, walking trails with beautiful scenery lots of perennials, a pond, memorial benches and pavilions. A key attraction is the “911” memorial built from steel girders from the World Trader Centers tower. It is a pet-friendly park and can be used by appointment for events such as weddings and birthday parties.

 

Besides Benson’s Park, Hudson has several other recreational areas for residents and the surrounding communities to enjoy. It is home to 2 recreational lakes/ponds and a swamp for endangered birds. It also has two golf courses for golf enthusiasts: Whip-Poor-Will Golf Club and Green Meadow Golf Club.

 

Robinson Pond is located on the north side of Hudson and has a public beach and boat ramp for town residents. Ottarnic Pond is located near Hudson Center and a boat ramp can be accessed off of Highland Road. The ponds are used for fishing, swimming, boating and ice fishing through the year. In addition, on the south side of Hudson NH, Musquash Pond/Swamp is a bird sanctuary for endangered birds.

 

The nearest airports are Boire Field in Nashua and the Manchester Airport. Hudson is a residential commuter town with many residents traveling to Boston for employment, with an easy commute. The largest employers are BAE, Benchmark, the Hudson School District and Prestek.

 

Harmony has been in the real estate business since 1990 and we are happy to call Hudson NH our home. We have been located in Hudson NH for 15 years and prior to that we were located in Nashua NH for 12 years. Harmony Real Estate is family owned and operated and will treat you like their own family when buying or selling a home in South Hudson NH.

 

Hudson is a community based town and great place to call home. It’s no wonder that buyers look for South Hudson NH homes for sale. With great affordable prices, rates and acreage South Hudson homes for sale are a great choice for commuters, adult communities and families alike. There is something for everyone here… we would love to help you find the South Hudson home of your dreams!



October 11, 2017

Sealing the deal: How to Get a Mortgage

Buying a South Hudson NH home can be extremely stressful, especially when the home of your dreams costs more than you can afford. Luckily for you there are a few ways to get the most out of your money, and we are here to help you. Here are some important tips on how to get a mortgage,.

We will always stand by your decision as it's yours to make but we will guide you along the way. It's nice to be able to go out to dinner or buy a new pair of shoes and not just live for a house too.

How Much Can I Afford To Borrow for a South Hudson NH Mortgage?

Your credit, income, debt-to-income ratio, the size of your down payment, your employment and residence history are all factors in how much you can borrow for a mortgage. Be cautious when you get  a mortgage because the amount you are able to borrow can exceed the amount you can afford.

What Are My Upfront Costs?

Some costs associated with buying a Hudson NH home start to appear before you even make a payment on your mortgage. These include:

Mortgage Application Fees

When you apply for a mortgage there are always fees. Application fees include service fees, which can be flat fees, or they can be a % of the total purchase price. Application fees include the appraisal, credit report fees, title insurance, flood certification fees, lawyer costs, points, as well as application, processing and underwriting fees. Depending on the company you choose to work with they can show up differently on the closing statement.

Earnest Money
Earnest Money is an initial deposit to be paid into an escrow account once your offer is accepted. This is also known as a “good faith deposit” which may influence the seller's decision on whether to accept your offer. The more you put down, the more serious your offer will appear to the seller.

Down Payment
You can get better mortgage rates by having a larger mortgage down payment. Down payments range from 0% to 20% or more of the total cost of the South Hudson NH home you decide to purchase. Some people put down 20% in order to remove the cost of the Mortgage Insurance Premium. Paying mortgage points up front can also help lower your payments.

Closing Costs
Final closing costs can range from a flat fee to a percentage of the total loan amount, depending on your mortgage and the agreement with the seller. Sometimes closing costs can be rolled into the mortgage loan amount which means you can pay it through your mortgage. The other option is to ask the seller if they are willing to pay some of the closing costs in your offer, if the market will accept it.

Closing costs can include:

  • Mortgage Application Fees
  • Mortgage Points
  • Title Insurance and Title Search
  • Escrow Deposits
  • Attorney’s Fees
  • Inspection and Surveys
  • City Recording Fees

Don’t let this list of closing costs worry you because they are all paid at closing and can be estimated by the lender upfront to give you an idea of what will be needed in the transaction.

Home Ownership Expenses
Owning a South Hudson home requires financial commitment far beyond your monthly mortgage payment. You will also be required to pay your mortgage insurance, home insurance, utilities, repairs, and property taxes. Make sure to take all of these costs into account when you are deciding how much you can afford to borrow to buy your new home. It is crucial that you consider all of these costs before you decide to get a mortgage.

Planning And Saving Tips

If you are still saving for your new home, here are some helpful tips for you:

  • Maintaining a reliable income improves your standing with lenders
  • Paying your bills on time and limiting your monthly debt helps improve your credit score
  • Saving for a larger down payment can lower APR and payments
  • Combining your stated income with a partner or spouse can help you afford more
  • You want your mortgage payment to be less than a third of your income


Building up your finances and your credit rating before you buy a South Hudson NH home will help you to afford more when you decide to purchase. It can also help you compete with other buyers for the home that you want. This will make owning your new home easier to manage!

For more information on How to Get a Mortgage for a South Hudson NH home for sale give our agents at a call at Harmony Real Estate at (603) 883-8840. We would love to help you find your South Hudson NH dream home!

Buying a new home can be extremely stressful, especially when the home of your dreams costs more than you have to spend. Luckily for you there are a few ways of getting around that, and I am going to help.



How Much Mortgage Can I Afford To Borrow?

Your credit history, income, the size of your down payment, and your employment and residence history are all factors in how much mortgage you can borrow. Be sure you borrow cautiously because the amount you are able to borrow can very well exceed the amount you can afford to borrow!


What To Will I Need To Pay Upfront?

Some costs associated with buying a home appear before you start making regular payments on your mortgage. These include:


Mortgage Application Fees

When you apply for to take out a mortgage there are always fees. Application fees include service fees, which can be flat fees, or they can be 1% or 2% of the total purchase price. Application fees also include an appraisal, and credit reporting fees. They may be worked into the total closing costs, depending on the company.


Earnest Money
Earnest Money is an initial deposit to be paid to the seller if your offer is accepted. This is also known as a “good faith deposit” which may influence the seller's decision.



Down Payment
You can usually get better mortgage rates by paying a higher mortgage down payment. Down payments rance from 0% to 20% or more of the total cost of the home you decide to purchase. Most people put down 15% to 20%. Paying mortgage points up front can also help lower your payments.



Closing Costs
Final closing costs typically range from 2% to 4% of the total loan amount. Closing costs can sometimes be added into the mortgage loan amount which means you can just pay it as you are paying your mortgage.


Closing costs can include:

  • Mortgage Application Fees

  • Mortgage Points

  • Title Insurance and Title Search

  • Escrow Deposits

  • Attorney’s Fees

  • Inspection and Surveys

  • City Recording Fees.

Don’t let the long list of fees worry you because they are all paid at once and can be estimated by the lender upfront.


Home Ownership Expenses
Owning a home requires financial commitment far beyond your monthly mortgage payment. You will also be required to pay your mortgage insurance, home insurance, utilities, repairs, and your property taxes. Make sure you take all of these costs into mind when you are asking yourself how much you can afford when thinking of buying a new home. It is crucial that you are informed of these costs before you decide to take out a mortgage.



Planning And Saving Tips

If you are still saving for your new home, here are some extra tips that could be helpful for you:



  • Maintaining a reliable and regular income improves your standing with lenders

  • Consistently paying your bills and limiting your monthly debt help improve your credit score

  • Saving for a higher down payment can lower APR and payments

  • Combining your stated income with a partner or spouse can be to your advantage

  • You want your mortgage payments alone to be less than 28% of your income



Building your finances and your credit rating before you buy will help you to afford more homes. Also, it can help you compete better with other buyers for the home that you want, as well as making it easier to handle the costs of buying a home. This may also make owning your new home easier to mangage!




1 … 25 26 27 28