Tag Archives for " buyer "

October 11, 2017

How to Get a Mortgage for a Hudson NH house for sale

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.

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 buying 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!




October 10, 2017

4 Reasons to Buy a Southern New Hampshire House for Sale

Do you want to buy a house for sale  in Southern New Hampshire?

Buying a house can be stressful and we want to help relieve some of that stress with our years of expertise. It is one of the most expensive purchases you will make in your life and we know how important it is to you.

If you’re a first time home buyer, relocating, a move-up buyer, or looking to downgrade your current home in Southern New Hampshire, you should take advantage of our team! We can help you find the perfect Southern New Hampshire house for sale.

Southern New Hampshire is a fantastic option for anyone looking for a warm and friendly community. The small towns and neighborhoods make it easy for anyone to adjust and feel right at home.

Now is a great time to buy your house before rates and prices increase!

If you are undecided about whether or not to buy a houyse for sale in Southern New Hampshire, here are a few reasons why you should…

NO SALES TAX!

New Hampshire is a tax free state that anyone would love to live in. New Hampshire is a beautiful state with an even better motto, “Live Free, Or Die.” Any Free spirited person belongs here and it's a tax free state!

Winter, Spring, Summer & Fall!

We are lucky to have all four seasons here. Leaf peepers absolutely love Autumn. What could be better than looking out your window and seeing the beautiful fall foliage? Or taking a trip up to the White Mountain National Forest, and hiking all the beautiful trails to enjoy the candy painted leaves atop a mountain?

And for snowbirds there is even more fun to be enjoyed! From ice fishing, sledding, snowshoeing, snowmobiling, to skiing and snowboarding you can enjoy the snowy season as well! Viewing the snow covered mountains, and the beauty of the snow covered trees and yards are a site anyone would love.

We also have spring and summer beauty to enjoy with lots of lakes and beaches close by.

Easy Commutes

We are located close to the Massachusetts border for commuters. You get the best of both worlds with Massachusetts' higher pay, and New Hampshire’s low taxes and affordable living.

Walk around the beautiful city of Boston and enjoy all the incredible architecture, or take a stop at Faneuil Hall and grab a bite to eat. There are many different varieties of food to choose from! Also, be sure to take a trip to see the Boston Red Sox at historical Fenway Park, opened in April of 1912, making it over a 100 years old! 

Maple Syrup!

We have the BEST Maple Syrup. Be sure to check out Parker’s Maple Barn in Mason, NH, or the closest farm stand located in many of the towns in Southern New Hampshire such as Hollis or Londonderry. Most of the local farm stands have apple picking, pumpkin picking, hayrides, corn mazes and more!


If you are looking to buy your new home call us today. There is no obligation to work with us and the buyer agency fee is paid through the listing agent and seller.

Give Harmony Real Estate a call at (603) 883-8840 or visit our website at www.Harmony-RE.com. We would love to help you with all your real estate needs!

We are located close to the Massachusetts border for commuters. You get the best of both worlds with massachusetts higher pay, and New Hampshire’s low taxes and affordable living.
October 6, 2017

Houses for Sale in South Nashua

Are you looking for a house for sale in South Nashua NH?

Nashua is a wonderful city in Southern New Hampshire. It is part of the Hillsborough county. Nashua is bordered by Hudson, NH, Merrimack, NH, and Hollis, NH as well as Tyngsboro, MA and Dunstable, MA. The city is formerly known as Dunstable, which was founded in 1654 for fur trading. That changed in 1741 when the border between Massachusetts and New Hampshire was relocated.  



Developed during the Industrial Revolution, Nashua was originally a mill city. The mills were named The Nashua Mills. They had cotton mills and textile mills. They prospered until about World War I, when other methods for electricity other than water power were discovered. Cotton started being manufactured in the South where it was grown, and the textile mills also moved South during The Great Depression.


Seasons

In New Hampshire, we are lucky enough to be able to enjoy all four of the seasons. In the Summer, the temperatures in Nashua average from about 72 - 93° F, though sometimes the humidity makes it feel hotter. In the Winter the lowest temperatures average around 20° F, although some days the temperatures can reach into the negatives! The average amount of snowfall is 50 feet in one winter, which means you can make as many snowmen as you want!


Education

South Nashua belongs to the Nashua school district. Nashua has 17 different public schools which consist of 12 elementary schools, 3 middle schools, and 2 high schools.  Bicentennial Elementary School and Main Dunstable Elementary school are the primary elementary schools in South Nashua, while Elm Street and Fairgrounds are the Middle Schools, and Nashua High School South is the main High School for South Nashua.


Transportation

Nashua has a bus station to make transportation easier for those who can’t walk or drive to where they need to go. The Nashua Transit Center is located at 11 Riverside Street in downtown Nashua. There is also public transportation available, the Gate City Trolley’s will take you all over the city. The rates are really inexpensive and can be found at http://nashuanh.gov/463/Fares .

There is also an airport in Nashua, mostly for military training or personal use for residents in the area who have their own small air planes. Other than that the closest airports are in Manchester which is only 30 minutes away and Boston.

And if you travel a little farther South to Haverhill or Lowell Massachusetts, there is a train, called the ‘T’ that will take you all over Massachusetts.

Real Estate

South Nashua has many different styles of houses for sale to offer, from Mansions to Colonials to Ranches and Split Level style homes. We are sure we can find something perfect for you. For 2016 the highest sales price for a single family home was $750,000, and the lowest sales price was $163,000. The average sales price for South Nashua homes for sale for 2016 was $317,400.

With all the gorgeous houses in South Nashua you’re bound to find something that suits you and your family!

If you would like to sell your house in South Nashua, or just get a market analysis on what your house is worth call us today! There is no obligation to work with us and the Comparative Market Analysis is free of charge.

Give Harmony Real Estate a call at (603) 883-8840 or visit our website at www.Harmony-RE.com to find more homes for sale in South Nashua. We would love to help you with your important move.

Are you looking for a home in South Nashua NH?

Nashua is a wonderful city in southern New Hampshire. It is part of the Hillsborough county. Nashua is bordered by Hudson, NH, Merrimack, NH, and Hollis, NH as well as Tyngsboro, MA and Dunstable, MA. The city is formerly known as Dunstable, which was founded in 1654 for fur trading. That changed in 1741 when the border between Massachusetts and New Hampshire was relocated.  


Developed during the Industrial Revolution, Nashua was originally a mill city. The mills were named The Nashua Mills. They had cotton mills and textile mills. They prospered until about World War I, when other methods for electricity other than water power were discovered. Cotton started being manufactured in the South where it was grown, and the textile mills also moved South during The Great Depression.



Seasons

In New Hampshire we are lucky enough to be able to enjoy all four of the seasons. In the Summer of 2016, the temperatures in Nashua averaged around 93° F, though sometimes the humidity makes it feel hotter. In the Winter of 2016 the low temperatures averaged around 23° F, although some days the temperatures can reach into the negatives! The average amount of snowfall is 50 feet in one winter, which means you can make as many snowmen as you want!



Education


South Nashua belongs to the Nashua school district. Nashua has 17 different public schools which consist of 12 elementary schools, 3 middle schools, and 2 high schools.  Bicentennial Elementary School and Main Dunstable Elementary school are the primary elementary schools in South Nashua, while Elm Street and Fairgrounds are the Middle Schools, and Nashua High School South is the main High School for South Nashua.






Transportation


Nashua has a bus station to make transportation easier for those who can’t walk or drive to where they need to go. The Nashua Transit Center is located at 11 Riverside Street in downtown Nashua. There is also public transportation available, the Gate City Trolley’s will take you all over the city. The rates are really inexpensive and can be found at http://nashuanh.gov/463/Fares .


There is also an airport in Nashua, mostly for military training or personal use for residents in the area who have their own small air planes.


And if you travel a little farther South to Haverhill or Lowell Massachusetts, there is a train, called the ‘T’ that will take you all over Massachusetts.




Real Estate


South Nashua has many different styles of homes for sale to offer, from Mansions to split level style homes. We are sure we can find something perfect for you. For 2016 the highest sales price for a single family home was $750,000, and the lowest sales price was $163,000. The average sale price for South Nashua homes for sale for 2016 was $317,400.



With the gorgeous homes in South Nashua you’re bound to find something that suits you and your family!



If you would like to sell your home, or just get a market analysis on what your house is worth call us today! There is no obligation to work with us and the Comparative Market Analysis is free of charge.

Give Harmony Real Estate a call at (603) 883-8840 or visit our website at www.Harmony-RE.com . We would love to help you with your important move.


October 5, 2017

#1 AGAIN – Living a Richer Life in New Hampshire

For the second year in a row, New Hampshire was rated one of the best states to live a comfortable or "richer" life. The rankings were figured out with 12 main factors of living which were grouped by Income, Housing, Lifestyle, Healthcare and Safety.

Here are just a few reasons why New Hampshire residents live a richer life:
Low Crime Rates
New Hampshire has a low violent crime rate, and a low property crime rate, making it one of the safest places to live in the United States.

Low Costs
We have low tax costs, and no sales tax which makes living more affordable. People from neighboring states often come here to do their grocery shopping. And everyone loves to enjoy the outlets because there is NO sales tax!

Great Schools

In 2017, New Hampshire was rated the 3rd for the best schools in the United States. New Hampshire has one of the highest school district grades. From private schools, public schools, to technical and charter schools, living in New Hampshire you have several choices of education for your children.


Low Childcare Rates

What could be better than low childcare rates? The average cost of infant care is around $11,800 yearly or $900 a month, and for older children it is a bit cheaper averaging out to be between $9000 a year or $700 monthly.


Low Unemployment Rates

New Hampshire has one of the lowest unemployment rates in the United States. About 95% of the residents in New Hampshire that are eligible to work in the United States are employed.  


All these factors make a life in Southern New Hampshire richer due to the cheap cost of living. This gives NH residents an affordable life. If you are planning to move to a new state, and you're looking for better living, Southern NH is the perfect place for you.


If you are looking for a house for sale in Southern New Hampshire give our agents at Harmony Real Estate a call at (603) 883-8840 or visit our website at www.Harmony-RE.com . We would love to make your life richer here in Southern NH too!


For the second year in a row, New Hampshire was rated one of the best states to live a comfortable or “richer” life. The rankings were figured out by 12 main factors of living which were grouped by Income, Housing, Lifestyle, Healthcare and Safety.


Here are just a few reasons why New Hampshire residents live a richer life:


Low Crime Rate

New Hampshire has a low violent crime rate, and a low property crime rate, making it one of the safest places to live in the United States.


Low Cost

We have low tax costs, and no sales tax which makes living more affordable. People from neighboring states often come here to do their grocery shopping. And everyone loves to enjoy the outlets because there is NO sales tax!


Great Schools
In 2017, New Hampshire was rated the 3rd for the best schools in the United States. New Hampshire has one of the highest school district grades. From private schools, public schools, to technical and charter schools, living in New Hampshire you have several choices of education for your children.



Low Childcare Rates
What could be better than low childcare rates? The average cost of infant care is around $11,800 yearly or $900 a month, and for older children it is a bit cheaper averaging out to be between $9000 a year or $700 monthly.




Low Unemployment Rate
New Hampshire has one the the lowest unemployment rates in the United States. About 95% of the residents in New Hampshire that are eligible to work in the United States are employed.




All these factors make a life in New Hampshire richer due to the cheap cost of living. This gives NH residents an affordable life. If you are planning to move to a new state, and you’re looking for better living New Hampshire is the place for you.


October 5, 2017

South Hudson Golf Course Houses for Sale

Who wouldn't love living on a golf course?

If you love to golf you should consider buying a South Hudson NH home for sale. South Hudson is a golf community that would be perfect for your needs. Golf course homes enjoy the gorgeous views of the of the well kept greens and landscaped rolling hills. The views will be well maintained by the grounds keepers without the hassle of any work from you.

Owning a home near a golf course or on the golf course comes with many benefits. From the beautiful landscaping, the views, your neighbors with similar golfing interests, to the convenience of golfing anytime you want, living in a golf course community is one you will want to enjoy for yourself. 

Convenience is key!

There are two wonderful golf courses located in Hudson NH, Green Meadow and Whip Poor Will. Both are tucked away in private neighborhoods but are located close to all the local amenities. Restaurants, shopping, and more are located just minutes away.

Green Meadow has a fabulous golf course which was established by the Friel's in 1959. There are two eighteen hole course which offer different challenges. The “Prairie” is flat and wide while the “Jungle” is more rolling with trees. This golf course is surrounding by single-family homes, offering you one of the best sceneries in town. You are in for a treat and can truly have it all.

Whip Poor Will Golf Club is also another great choice located in North Hudson NH. It was built in the late 1950's and features Vesper Velvet greens. There are nine challenging holes with a golfer-friendly atmosphere. They have even been featured in New England's Journal of Golf's Great Drives. This community is surrounded by the condos in Rolling Green and the single-family homes.

Awesome Resale is Always a Plus

You will not be disappointed to find out the value of your South Hudson NH house because it will have good resale value. Golf community homes are always in high demand and tend to bring in a higher value than other neighborhoods. 

Do you enjoy golfing? Do you want to live on a scenic golf course in South Hudson? Well, you can in a South Hudson NH golf course community.

Check out our website at www.Harmony-RE.com to see a list of all available homes in South Hudson NH. If you want to know more about the advantages of living in a golf community or for a list of South Hudson golf houses for sale give the agents at Harmony Real Estate a call today at (603) 883-8840.

With the professional knowledge of our agents by your side, we will find you the perfect home for sale in a South Hudson NH golf community.

Who wouldn't love living on a golf course?
October 4, 2017

Buying a South Hudson house for sale

Buying a South Hudson NH house for sale

Are you thinking of buying a house in South Hudson, NH?

If you are planning to relocate to the Southern New Hampshire area, and would like a house close to Massachusetts or Nashua, NH, there are many good homes to choose from. Many of these communities are quiet and perfect for raising a family.

If you are looking for a friendly community with great schools, fantastic restaurants, and caring neighbors you may want to consider a home in South Hudson, NH. In South Hudson, I am positive you will find the perfect house for you and your family. If you are seeking land and privacy you have come to the right place.

The South Hudson Community

Just 45 minutes North of Boston, and less than 5 minutes from the south end of Nashua, South Hudson offers many different styles of homes such as Ranches, Colonials and Split levels as well as Gambrel’s, Capes and Saltbox homes.

South Hudson is just miles away from The Pheasant Lane Mall, which is one of the largest retail clusters in New England. So if you ever need some shopping therapy you will love this location. With NO SALES TAX in New Hampshire you will enjoy your shopping conveniences without restrictions.

If you need to be close to Massachusetts for family, or work but don’t want the hassle of expensive living in Massachusetts, South Hudson is an awesome choice for you. Many of the neighborhoods have homes with an acre of land or more. In 2017 the prices of single family homes in South Hudson ranged from $190,000 to $599,000 with a median sold price of $335,000, while condos range from $159,900 to $259,000 with a median sold price of $177,500.

What Do Houses in South Hudson NH have to Offer?

The residents in the town of Hudson don’t just love the location, but the town itself. Hudson is very community based with a group of wonderful residents. There is a beautiful pond to the right of Route 102 where you can swim, fish, ice skate, or boat year round. Robinson Pond is for town residents only. There are also two golf courses, and Benson’s Park which is an old zoo renovated into a gorgeous park with many trails and a newly built playground, as well as a fenced in area for dogs to enjoy the outdoors as well!

South Hudson has neighborhoods with newer single family homes, and older neighborhoods with homes for a first time buyer to middle or upper-class families. It is a desired area being so close to the highway, and Massachusetts.

Hudson has wonderful schools being a part of the SAU 81 school district. Hudson has several Elementary Schools. Nottingham West Elementary, which is the primary elementary school for South Hudson has a 7 out of 10 Great! Schools rating, making them one of the top two elementary schools in Hudson.

Houses For Sale In South Hudson

There are many wonderful homes in this area, new and old, and very many different styles to choose from. Whether you’re seeking a large home, or a small home, we can find one that suits all of your needs! Let us help you find your dream home right here in South Hudson, New Hampshire.

Are you looking for a newly constructed or renovated home, or a single family home with a private backyard? Are you seeking an affordable house with low taxes?

With so many different choices, we can help you find the perfect South Hudson house for sale, no matter what you want. The South Hudson neighborhood has everything you are looking for.

If you would like to discuss a specific South Hudson house for sale, contact our office, Harmony Real Estate at (603) 883-8840 and speak with one of our qualified agents. Visit our website at www.Harmony-RE.com for a list of all the homes available in South Hudson, New Hampshire.

Are you looking for a house for sale here in South Hudson? Let the best Hudson REALTORS® help you find the home of your dreams.

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