Check Your Credit

Be sure you check your credit before you start searching for a home. If you have bad credit, you will most likely need someone else to co-sign, or to put their name on the mortgage with you, unless you pay for your home in full cash.

For a conventional loan you will need a higher credit score typically around 660 or higher while an FHA loan will give you more wiggle room typically down to about a 580 score. Don’t give up if your score is lower than the required amount because there are also ways of increasing your score to get you where you need to be.

Look At Your Income

Also be sure you look at your income so you know just how much you can afford monthly, and yearly. Don’t spend everything you have all at once, be sure you have enough money left over for other payments and bills you may have.

Typically there is a 40% or higher ratio that mortgage lenders will be looking for but we suggest a bit lower so you still have money for other things. Being house poor doesn;t make for a happier life. It’s nice to own a home but it’s also nice to be able to enjoy going out, or buying some new clothes once in a while.

Get Preapproved For A Mortgage

To get preapproved for a mortgage, first you must visit a lender. The mortgage lender will look at things such as your credit reports, your employment history, and your income very closely and carefully. After that, they will figure out which loan program you qualify for, the maximum amount you can borrow, and the interest rates you will be offered.

It is important to get this done before you start looking for South Nashua houses for sale, so you know just how much you have to spend. You don’t want to start looking at houses that are above your reach as it will make the houses you can afford not look as appealing. Be realistic and make your budget work for you. You can always build equity and get the larger house next time if you can’t afford it the first time around.

Find The Right Real Estate Agent

Finding the right Real Estate Agent is important because they can help take some of the stress off of you when you are looking for your South Nashua dream home. Searching for and purchasing the right home takes a lot of time that you may not have, as well as a lot of work that you may just not want to deal with. An agent can deal with the time, and work while you sit back and relax, that is their job!

If you are looking to buy or sell a home, call Harmony Real Estate today at (603) 883-8840. One of our qualified agents will be more than happy to help you find your dream home.

Here are five things you should do when you are buying a home for the first time:

Decide on the location versus space when searching for a home!

When you are looking for your first home, be sure you decide on a location first. Sometimes the location of the house for sale can have a bigger impact on your life, versus the spaciousness of the home. If you find a big beautiful home in the country, but you’d prefer to be closer to the city sometimes you need to sacrifice a little bit of space to get what you want.

You can never change the location of your house but you could potentially add on or finish your basement.

The School District Will Affect Your Home Value

Before purchasing a home it is always good for you to look into the school district, even if you don’t have children. If it is a sought after school district with a high grade point average, people will be willing to pay more for you home when you do decide to sell it.

South Nashua homes for sale are located in the best school district within the city. The homes in South Nashua are highly sought-after, have the highest resale value and attract the wealthiest buyers.  

Put Some Money Away For Home Improvements

Home Improvements can be very expensive, and sometimes unexpected. There are a lot of things you can do by yourself, rather than hiring a company to complete the repairs in your home. Your house is your most valued asset so make sure to keep it in good repair.

Fixing up your home yourself will same you a ton of money and add sweat equity which equates to an added resale value of your South Nashua home for sale!

Don’t Overlook The Landscaping!

The exterior curb appeal is the first thing anyone will look at in regards to your home. Updates to the exterior of the home you decide to purchase can add up just as quickly as the interior improvements. If you don’t want to spend any money on the landscape, or you don’t have much to spend due to your budget try finding a home that already has the amenities you desire.

Make sure to take a good look at the exterior and evaluate the true  condition before you purchase a South Nashua home for sale.

Don’t Max Out Your Qualification Budget

If you try to use every last cent that you qualify for, odds are you will have a smaller number of options. If you are willing to come down in your price range, more options will open up for you once you purchase. This means you will have money left over for any renovations or decorating you’d like to do to make your new place truly feel like home.

You don’t want to feel like you are house poor. If you can’t ever go out for dinner or buy a pair of shoes will you truly be happy just living day to day? If you don’t overextend your budget ultimately you will be happier down the road.

Looking for your first home can be very nerve wracking, so don’t try to do it on your own. Our agents’ job a Harmony Real Estate is to take the stress off of you, and make purchasing a home a bit easier for you.  

Give our agents a call at Harmony Real Estate (603) 883-8840 for more information on buying a South Nashua home for sale. We would love to be instrumental in your new purchase.

Retire and live at Mission Pointe in South Hudson NH!

You will love the convenience of Mission Pointe in South Hudson. It is ideally located close to the highway, local restaurants, grocery stores, convenience stores, gas stations, retail stores and just a short drive over the bridge to Nashua, the Massachusetts border and just about any other convenience you can think of.

You will be tucked away in a quiet neighborhood but have the convenience of the city just around the corner!

I know you're going to love Mission Pointe!

Mission Pointe is a well-loved community with a low condo fee! When you drive into the Association, you'll notice the beautiful pond and clean, well-kept surroundings. The condos at Mission Pointe are a 62 plus community with beautiful detached and attached condos. There are also some garden style rentals available which have a low turn over rate because the community is loved by all. The condos are located on 33 acres of the historic Oblate Retreat.

Why not call Mission Pointe your home too?

Enjoy what Mission Pointe in South Hudson has to offer!

In addition to the great neighbors and community activities there are also fun things to do right here in Hudson NH. If you have grandkids Benson’s Park is located about a mile away and has a wonderful park, pond, gorgeous perennial flowers, 911 memorials, walking trails, the historic Elephant Barn and much more. Robinson Pond is also located a few minutes away for summer swimming, fishing and fun! And if your children are all grown up there is a golf course in Hudson and others close by that can be enjoyed on a daily basis.

We would love for you to call South Hudson your new home! If you want a tour of the area or homes for sale don’t hesitate to Contact Harmony Real Estate!

Gorgeous Mission Pointe Homes and Condos for sale with 1^st floor layouts

We know you would love living at Mission Pointe, long into your retirement years. Just envision your new life here in a beautifully manicured development. You can lounge on your porch or walk your dog around the private neighborhood.

Built by Etchstone Properties, Mission Pointe is conveniently located off Lowell Road and Exit 2 on Route 3. The homes boast first floor bathrooms and master suites, a spare bedroom, 1^st floor laundry, full basements, attached garages and central air conditioning. Some of the units also have sunrooms, hardwood floors, updated kitchens, and farmer's porches where you can sit and enjoy the neighborhood.

The neighbors are very active and welcoming. You will see the residents walking their dogs and taking a stroll to the pond. There is also a Clubhouse for residents to spend time together, where they host fun activities for the residents.

This is an inviting Association ready for all retirees and families who would like to call Hudson home.

Are you ready to retire at Mission Pointe in a South Hudson NH condo home for sale?

We would love to help you find the home of your dreams that you can enjoy for the rest of your life!

Call Harmony Real Estate at (603) 883-8840 for more information on homes and condos for sale in Mission Pointe in South Hudson NH. Our experienced agents can help you buy your new home or sell your current home.

Hiring a home inspector is a very important part of your home buying process. Don't let the house inspection kill the deal! When you are choosing an inspector to check out your South Nashua home for you, be sure to ask them how much experience they have. You don’t want to hire someone with a poor inspection background because they may miss something very important.

Typically, an inspection report is 20 or more pages long. Most inspectors, and Real Estate agents think the buyer should use the inspection to generate a list of repairs that should be accomplished. If the seller is aware of these issues beforehand they should work on any major repairs before they sell their South Nashua home to make it more valuable. If the buyer doesn't like the results of an inspection report, they have the right to ask the owner to fix the items, keep it as is or exit the contract and look for a new home. Typically the buyer and the seller will come to an agreement on what repairs will be remedied and move toward a closing on their South Nashua home for sale.

What a buyer usually doesn’t always realize is that once they find a new home, they will have to pay for that home to be inspected as well. Inspections range from about $300-$500 and they are non-refundable. If there are problems with the home you want to purchase, you should decide how much those repairs will cost before you leave the contract. If yo can't come to a reasonable agreement with the seller it may be better to find a new South Nashua home for sale and pay for another inspection. However, you never know if the next home you find will have more issues than the previous one, or not.

When purchasing a home that is being sold to you by the owner, you need to remember that it is not a brand new home. Used homes that have been lived in will have some wear and tear on the home. If you are looking for something perfect, definitely consider looking into a brand new home. Instead of breaking a deal over repairs, it would make more sense to buy a home warranty in the event that something breaks. There are home warranties available for under $500! Some sellers may even be willing to pay for a home warranty instead of repairs.

Unfortunately, some home inspectors lack people skills, and fail to explain their findings properly. There have been some complaints about home inspectors who use verbiage in their reports such as “may in the future,” or “could potentially.” The words “may” and “potentially” mean that there is a possibility of something happening, not a guarantee. When people are getting houses inspected, they want to know exactly what is wrong, and what to do to fix it. What inspectors don’t seem to understand is that buyers take these statements as “ you’re house is falling apart” or “don’t buy this!”

To be sure a home inspector won’t kill your South Nashua deal, it's important that buyers and sellers use an experienced agent. Also, make sure you ask questions about the inspection. If they use words like “may” or “potentially” ask the inspector why they said that. Have them explain to you why they think something could go wrong with whatever object they stated, in the future. Be sure your agent shows up at the inspection to help you ask those needed questions.

The purpose of a home inspection is not to have the seller fix every single item in the contained report, that would be unreasonable, but more so to help the buyer see any huge issues that make the cost of the house go down. Buyers have the right to ask the sellers to fix something, but sellers also have the right to say no. There are always going to be a list of repairs that need to be fixed in your South Nashua home but the sellers are not going to be willing to fix every leaky faucet or toilet flange but more likely to fix a leaking roof or failed septic. It is more reasonable to understand this information about your South Nashua home for sale at the onset.

Don’t let the home inspector break your deal! Be sure that the home inspector and the buyers agent are present for you as a buyer to ask questions. They can help you understand things you don't understand about the home. It could be as simple as where a light switch may be, or how to turn on the lights to the pool or more complicated like finding the shut valves or changing the settings on your water heater. That way you don't worry about items that may not even be broken. 

If you are looking for more information on selling your South Nashua home or would like a list of homes for sale in South Nashua give our agents at Harmony Real Estate a call at (603) 883-8840. We are here to help you through your South Nashua home sale process!

When it starts to get cold outside bats may look to find comfort in your warm Southern NH home. I know how scary it can be to think the bats are going to harm you, or your family. What if they turn into vampires? You’ll be surprised to learn that vampires aren't real, and bats are actually harmless, and sometimes even cute. When they aren’t in your home, of course!!! Below are some suggestions to get rid of bats in your home.

There are about 40 different species of bats in the United States which can inhabit your Southern NH home for sale. The most common Bats found in North America are The Little Brown Bat, The Big Brown Bat, and The Mexican Free-Tailed Bat. Those are the three species of Bats that are most likely to reside in your home and likely in the attic.

Here are several different ways to keep bats out of your Southern NH home for sale:

Start by finding out how they are getting into your home!

If you have bats in your Southern New Hampshire home, they are getting in somewhere! Figure out where they are getting in, wire mesh, board up and close the area and set up a one way exclusion device to get them to leave your home. This is a small tube where bats can get out of your Southern NH home for sale but can not re-enter. Denying bats reentry is preferable to trapping them, because they are an endangered species and also because they can be dangerous.

Exclusion devices can be purchased online, or at a home improvement center! They are also fairly easy to install in your Southern NH home. 

Be Careful Not To Harm The Bats

There are many different species of bats that are endangered. Please be careful if you manually remove them from your Southern NH home yourself. If you harm the bats and anyone finds out about it, you could have a hefty fine to pay or face jail time. Make sure to always remember that bats are endangered and it is illegal to kill them.

Dispose of Any Waste They Create

Bat droppings are small round pellets called guano which can be harmful. The guano can grow a type of fungus that can cause the lung disease histoplasmosis in humans. Guano has a very powerful, musty smell that can often overpower your Southern NH house. The bat droppings and urine are corrosive to wood and metal, and can compromise the structural integrity of the building.  The droppings and the scent will lure in other animals and insects, so be sure to clean everything thoroughly. 

Call A Professional

If you are questioning whether it is bat guano or just don't know what it is call a pest professional. If you do not think you can remove the bats from your Southern NH home for sale safely and efficiently without harming them or yourself, please call a professional! Exterminators are trained and have the proper equipment. They can get rid of the bats safely and board up all the entrance points that they can squeeze through. And trust us when we tell you, they can get through some small openings.

For more information or a list of Southern New Hampshire houses for sale give our experienced agents at Harmony Real Estate a call today at (603) 883-8840 or visit our website www.Harmony-RE.com for more information.

Golf Course living at it's finest!

Who wouldn't want to view the rolling greens of a golf course every day? Do you love to golf? If so, you should buy a South Nashua NH house for sale. South Nashua has 2 golf communities that would fit your needs perfectly. Golf course homes have lovely views that you would be lucky to enjoy on a daily basis. The lush greens and the professionally landscaped rolling hills are a sight to behold. Better yet you won't have to maintain the views because the grounds keepers at the golf course will do all the work for you! South Nashua golf courses houses for sale are ideally located for those who love to be on the green everyday.

There are several benefits to living on or near a South Nashua golf course. Obviously the biggest benefit is how convenient it will be to go golfing anytime you want to. There is beautiful landscaping with views to die for, and you will be close to neighbors who will quickly become friends with similar interests in golfing. 

Convenience is at your fingertips

You can enjoy either of the two gorgeous golf courses located in South Nashua NH, the Nashua Country Club and Sky Meadow Country Club. They are both nestled in private neighborhoods with easy access to highways and the conveniences of the city. From shopping malls, to restaurants, and entertainment, in South Nashua you are conveniently located close to everything that might be of interest to you.

The Nashua Country Club golf course was created by the renowned architect Wayne Stiles. There are gently rolling greens with bunkers that are suited for average to expert golfers. They also have a Junior Golf Program and Junior League setup to help junior golfers achieve their golfing goals as well. This South Nashua golf course is surrounded by single-family homes ranging from Ranches, Splits, and Capes to Colonial style homes. You can have a gorgeous scenery and enjoy the entertainment as well.

Sky Meadow was designed by the renowned architect Bill Amick and was rated as the #1 golf course in New Hampshire. There is a full service practice range with bunkers that compliments the golf course. This course is set at the highest point of Nashua with breathtaking mountain views. Every golfer can enjoy this course with 4 different tee settings. Sky Meadow is surrounded by high-end townhouse, garden condos and detached condos with the Sky Meadow Association. This is a gated South Nashua community that can be enjoyed year round with neighborhood activities, at the restaurant and at the club with a pool.

Good Resale in a Golf Course Communities

You will get good resale value for your South Nashua NH golf home because of the views and the convenience that it has to offer. Homes in golf communities are always in higher demand and will net you a higher value than other surrounding neighborhoods.

Do you love to golf? Would you enjoy looking at the rolling greens every day on a golf course in South Nashua? You can have it all and more in the South Nashua NH golf course communities.

Check out our website at www.Harmony-RE.com to see a list of all the available houses for sale in South Nashua NH. For a list of homes in or near a golf course or for more information on living in South Nashua or the surrounding areas give 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 Nashua NH golf community.

Hudson NH is located just off the Massachusetts border ideally suited for commuters who work in the surrounding area or across the Massachusetts border. South Hudson NH houses for sale are located just minutes from Route 3. 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, Pumpkin Fest, 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 in South Hudson NH.

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 woul dbe honored to help you with all your South Hudson houses for sale. We have been located in Hudson NH since 2002 and prior to that we were located in downtown 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!

If you are looking to buy or sell in a home in South Hudson or in the surrounding area give our agents a call at Harmony Real Estate (603) 883-8840. We would love to help you find the home of your dreams or sell your South Hudson NH houses for sale. 

Whether you are moving across Nashua NH, or out of NH you want a stress free move. Making a list and having a plan ahead of time will really help and keep you more organized during your moving process. Here are 10 things to remember when moving:

1. Throw away items that you don’t use anymore.

There is no need to bring useless items on your move to South Nashua NH. Either toss the items, give them away, sell the items, or donate the items to your local charity. You'll be helping fray costs for others or for yourself and in the long run it's not worth the extra hassle if you don't use the items anymore.

2. Decide if you are going to move alone, or if you will be hiring a mover.

If you choose to hire a mover be sure to interview a few different ones and find the best fit for you. Depending on the company, the movers and the cost will make a difference for you personally. Do they have a good reputation? Do they cost too much? Will they be on time? Check out their ratings and reviews online to know more about them. These are all questions you should be asking yourself.

3. If you plan to pack up your items on your own, start doing this ahead of time.

You don’t want to pack last minute and be in a time crunch that causes more stress. Ask for help from your family and friends if need be. If the movers have to pack for you there will be an additional cost added to your bill. Also make sure to label all your boxes so you are not searching endlessly for items that you might need after the move to your South Nashua home.

4. Begin using your food that’s been stored in your freezer or pantry.

The less you have to move with you to your new South Nashua home, the better. You can always buy more food after you’re settled in. If there is food you aren’t going to eat, or don't have time to make, donate it to your local food pantry or soup kitchen, it wont go unappreciated or wasted! It will save you time and potentially use items that may have gone unnoticed for a while.

5. Prepare to have your utilities shut off or transferred if they aren't a part of your monthly rent. 

Call your utility companies and give them enough notice so they can get it taken care of before your move. Don’t forget that some companies may have a fee to turn off utilities and transfer them to a different location. Also, some utilities may take a few days to transfer so don't wait until the last second.

6. Start to notify all your credit card companies, schools, banks, doctors, insurance companies, etc. 

They will need to know where you will be moving so they can change that information in their systems. Make sure to send a change of address to the local post office so your mail isn't sent to your previous address. If you have missing bills that could end up being a real problem.

7. Pack a box with necessities!

Items such as toilet paper, hand sanitizer, wipes, paper towels, cleaning products, a hammer and screwdriver, packing tape, a cell phone charger, ziplock bags, paper cups and plates, as well as plastic utensils, a pen and notepad, a first aid kit, snacks and plenty of water to keep hydrated while you are moving. Having a box of all the necessary items in a convenient place will make life so much easier during the first week when you may still be unpacking.

8. Have cash on hand.

You may need cash or a card on the ready to purchase unexpected items that may come up. You never know what is truly going to fit into your new place until you get there. Expect the unexpected! Sometimes your couches and furniture won't fit in the new place due to lack of space or different openings on doors that may be hard to get through.

9. Keep your important papers and documents with you.

You might need them when you are driving, especially if you are moving out of state. You don’t want anything important to be misplaced or packed away where you can’t get ahold of it. If you have valuable items like jewelry or hard to replace items like passports you will want to make sure you keep them handy so they don't disappear. 

10. Always accept help from your family and friends.

Moving can be very stressful so if there is anything they are willing to help you with, let them help! A helping hand is always appreciated, just remember though that they may need you too so be ready to help them when they need it too.

If you are looking to make your special move to South Nashua give Harmony Real Estate a call at (603) 883-8840. We are here to help the most important person, you. The agents at our office would love to help you when buying or selling your home!     

Unfortunately, not everyone likes animals. If a buyer walks into your South Hudson NH home for a showing and it smells like urine, feces, or an animal in general, they will no longer be interested! Removing all signs of pets before your home is listed then selling it is the easiest route but not always possible. Be sure to clean your home before any showings and repair any damage your pet may have caused.

Before cleaning your home you should try to relocate your pet so no more accidents happen. Cleaning products can be very harmful and toxic to most pets, so you want to be careful with the choices since you wouldn’t want them getting sick and incurring vet bills that can be very expensive. Washing and vacuuming your rugs can remove any lingering odors left behind. Be sure to use something safe that is pet friendly just in case you need to move your pet back into your home, or just in case whoever buys your South Hudson NH home has pets too.

Be sure to clean your yard as well. If your animal has dug any holes in the ground fill them in so no one will get hurt. Many home buyers will ask to see your yard and walk around it. Also, most animals use the bathroom outside, even if they don’t, check your yard just to be safe that there are no landmines that a buyer might step in No one wants to step in dog poop, or see it for that matter. If they do, they may decide not to go back to your South Hudson NH home again if they feel it is a maintenance issue.

Once you have removed your pets, and cleaned your home and your yard you should be okay to set up showings at your home! Good Luck on your new journey selling your South Hudson home!

If you are looking to sell your South Hudson NH home and you have pets give our agents at Harmony Real Estate a call at (603) 883-8840 for more information. Or if you are looking to buy a home and have a pet we would love to find your dream home. We would love to help you on your journey.

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!