A short sale is a sale of Real Estate in which the net proceeds from selling your Hudson home for sale will fall short of the debts you owe to your lender for your mortgage. In this case, if all lien holders agree to accept less than the amount owed on the debt, a sale of your South Hudson NH home for sale can be made.

When you sell your South Hudson home as a short sale, it’s similar to other sales you just have to involve the bank’s decision as well. You should contact a REALTOR®, specifically one who specializes in short sales. You will need to list your Hudson home for sale being sure to mention that it's a “short sale,” then wait for an offer to come in. Once you accept an offer, things can get tricky. You will need to gather all of your financial documents to send to your mortgage company and see if they will consider the short sale. Since lenders lose money with short sales, they're usually not very eager to agree with it but that’s where your REALTOR and a short sale negotiator come into play working in your best interest. Some banks may prefer to foreclose on your Hudson home but many times they will consider the short sale if there is good reason.

There are many Pro’s and Con’s to a short sale, but again a real estate agent can help you decide whether you should short sale, or what your other options are. If you do short sale your home, make sure your loan will be considered paid in full. A short sale will have a much smaller effect on your credit than a foreclosure. This will help you in the long run if you ever try to take out another loan or mortgage. Avoiding foreclosure, means you may be able to buy another home sooner than you would be able to if your home was foreclosed on.

However, there are also some disadvantages to a short sale. You will have to take full responsibility for the sale of you home, which can be very stressful and time consuming. Also, if someone purchases your home faster than you expected, you may have to move sooner than you had originally planned. This means that you will now need to find yourself somewhere else to move to as quickly as possible. This may be very difficult for you considering there will be no proceeds from the short sale of your South Hudson home.

If you are having a hard time making the decision of whether or not a short sale is your best option, talk to a Real Estate Attorney, or a REALTOR® to figure out the best plan of action. They can help guide you in the right direction. Be sure you don’t forget to talk to you lender as well. Your lender likely has specialized loan officers who are capable of reviewing and guiding customers who are at risk of foreclosure.

Call Harmony Real Estate at (603) 883-8840 and speak to the top REALTORS® in Southern New Hampshire if you need advice on whether or not to short sale your South Hudson home! We will work in your best interest and help you on this stressful journey in your life.

What is Radon?

Radon is a naturally occurring radioactive gas that you cannot see, smell, or taste. It is a carcinogen that has been proven to cause cancer. The Surgeon General warned that Radon is the second leading cause for lung cancer in the United States today. If you smoke, and there is Radon in your home, then you are at an even higher risk for lung cancer. If you are looking for more information on radon you can check out the EPA website at www.epa.gov/iap/radon/pubs/index.html or call the New Hampshire Bureau of Environmental & Occupational Health at (603) 271-4610.

In 1899, English physicist Ernest Rutherford first discovered Radon. The discovery is also credited to German physicist Friedrich Ernst Dorn in 1900. Rutherford discovered Radons’ alpha radiation, and Dorn discovered that radium was releasing a gas.

Radon is a colorless chemically-unreactive inert gas. It is the heaviest known gas. Radon is 9 times denser than air. Because it is a single atom gas it easily penetrates many common materials like paper, leather, low-density plastic, paints, building materials, and most insulations.

How is Radon made?

Radon is not produced as a commercial product. Radon is a naturally occurring radioactive gas and comes from the natural breakdown of uranium. It is usually found in igneous rock and soil. In some cases, well water may also be a source of radon. New Hampshire is the granite state and radon can come through the rock in the ground and other soils and clays and come into our homes.

What happens when you’re exposed to Radon?

Human exposure to radon are inhalation and ingestion. Radon in the ground, groundwater, or building materials enters working and living spaces and disintegrates into its decay products. Although high concentrations of radon in groundwater may contribute to radon exposure through ingestion, the inhalation of radon released from water is usually the concern.

Testing is the only way to know if you have Radon in your home. The EPA indicates that any readings above 4.0 pCi/L in the air are not acceptable levels and should be mitigated.  It is recommended that the testing device be put in the lowest level  suitable for occupancy and typically is left for readings in a 48-72 hour time frame.

How do you get rid of Radon?

If you do find Radon in the air of your Southern NH home, you can reduce the exposure to an acceptable amount on your own for around $500, but this is not recommended because it is a dangerous gas. We suggest you find a Certified Radon Mitigator in your area. For radon air, the professional will usually install a sub-slab depressurization method by inserting a PVC pipe through the basement floor and venting it out the roof with a fan and typically runs from $1200-$1500 in Southern New Hampshire.

For radon in the water, the State of NH recommends a level lower than 2000 pCi/L but there is no standard EPA regulatory limit. The cost to mitigate radon in the water runs from $2500-$5000. Aeration is the method suggested by the State of New Hampshire to get rid of radon in water and sometimes require an additional water softener system, if there are high levels of iron or manganese. Every state has their own guideline as to what they feel is safe and you need to go with what makes you feel safe in your Southern New Hampshire home.

If you are looking to test for radon in your Southern New Hampshire home and would like some suggestions on a Certified Radon Mitigator feel free to give us a call at Harmony Real Estate at (603) 883-8840. We would love to help you better the quality of life for you and your family in your Southern NH home.  

If you are looking to short sale your home give one of our experienced agents a call at Harmony Real Estate at (603) 883-8840. We are here to help take the stress off your shoulders. We will give you honest answers to help you decide what the best decision is for you.

The decision to short sell your home is not an easy one. You will have to come to terms with the not being able to make your mortgage payments and there are valid reasons why you may not be able to include divorce, loss of a job, health reasons, condo rules and there may be other possible reasons. Whatever the reason short selling your home in Southern New Hampshire will not affect your credit as harshly as a foreclosure and may open up the possibility to getting into another home faster after the short sale. If your short sale is successful you could avoid a foreclosure on your credit record.

Before making any rash decisions you want to make sure you have looked at all your options though. Filing for bankruptcy might be an option to stave of foreclosure (not indefinitely though) if you can’t pay your bills but have the money to pay your mortgage. You may also want to look into the possibility of adjusting your payments by talking to your bank to discuss different terms. If you owe more for your house than it’s worth and these other options do not work for you, a short sale might be the best option for selling your Southern NH home.

Make sure you work with an experienced REALTOR® who has worked with short sales in the past. Ask about their experience so you feel comfortable with their knowledge about the process. An experienced real estate agent will be able to negotiate the deal in your best interest.  

Be aware that the short sale process for a Southern NH Home for sale will take time and patience. Short sales typically take between 3-6 months to close and can take even longer in some circumstances. It all depends on what bank(s) you are working with and the condition of the home. Also make sure to also looking into your tax implications. This is one step that is critical. You should talk to a tax advisor to see what your tax implications are as they change from year to year.

Buying and selling a home is a very important decision, make sure to trust the REALTOR® you are working with. You will need to give them a pile of paperwork regarding your current standing financial assets in order to get the short sale approved. The process can be very emotional and stressful and you will need someone who is caring and will answer your questions along the way and help you through the process. If you can get support from friends and family it will help the process too. Remember the short sale of your Southern NH home is just a temporary situation and you will be able to purchase another home in the future.    

Talk to one of our experienced real estate agents about the Southern New Hampshire short sale process and see if it is the right fit for your circumstances. We will discuss your options and let you know what is the best fit for you. Call Harmony Real Estate at (603) 883-8840 for more information on short selling your Southern NH home today!

19 Morningside Drive Hooksett, NH 03106

Hooksett Nashua NH 3 Bedroom Split

Are you looking for a move-in ready Split style home in Hooksett? Are you looking for a property that has been renovated? Are you searching for an home where you can have 2 levels of living space? If so, this is the Split style home for you!

This Hooksett NH Split features 3 bedrooms, 3 baths and a 2 car garage with two levels of living. Enjoy the conveniences this Split style home has to offer!

The exterior of this Hooksett Split has been landscaped with a new front deck, walkway, irrigation system and garden all on 2 acres of private land. This home it setup back from the road with beautiful curb. It is located at the end of a cul-de-sac in a highly desired neighborhood. 

This Split style home has gotten many recent updates to include ALL NEW kitchen cabinets, Harvey windows, a roof, energy efficient lights throughout, toilets, carpeting in the basement, fresh paint, irrigation, exterior landscaping and a new well pump. There's no need to worry about replacing the roof and the furnace is approximately 7 years old.

This beautiful Hooksett home for sale is move-in ready, just waiting for you! 

This Hooksett Split is Conveniently Located

This Hooksett Split style home for sale is conveniently located off of Hackett Hill Rd. It is close to entertainment, shopping, highways and more of Hooksett and Manchester. Conveniently located off of Hackett Hill is within minutes of Exit 7 which offering several Restaurants, Shopping, Public Transportation, and a Supermarket. This Hooksett Split style house for sale is close to all the amenities of the city.

The home is just 4 minutes from Route 93 and 7 minutes to Route 293 in Manchester NH for commuters. In addition, the Mall of NH is only about a 10 minute drive away in Manchester for even more shopping fun.

Local schools, technical colleges and universities are also within a few miles of this home.

This gorgeous Split Style house for sale is conveniently located 5 minutes from Manchester, within 15 minutes of Concord, 30 minutes from Nashua and an hour and fifteen minutes from Boston MA for those looking to commute. 

Spacious Layout with Open Concept Living in Mind

The first floor has an open concept layout from the kitchen, to the dining area, to the living room.  There are cathedral ceilings and a beautiful wood laminate floor. The eat-in kitchen has new cabinets with ample storage, stainless appliances and granite countertops. 

South Nashua Luxury Real Estate

Are you looking for a luxury home in South Nashua? Are you looking for an elegant home with lots of square footage? Are you looking for a dream home that is conveniently located near all amenities and fits all of your needs? If so, a South Nashua NH home for sale is what you are looking for.

There are several luxurious homes for sale to choose from in the highly desirable neighborhoods of South Nashua. Every buyer will have different requirements for the luxury home that they are looking for. You can find homes with open concept layouts, gourmet kitchens, master bedrooms with en suite bathrooms, and much more!

Conveniently located

There are 2 golf courses in South Nashua, the Nashua Country Club and Sky Meadow Country Club, that you can enjoy. The benefits of living on or near a golf course range from the lush beautiful rolling views, to the convenience of golfing daily. They are nestled in the private luxurious neighborhoods of South Nashua.

You will enjoy the convenience of easy access to the highways from the neighborhoods of South Nashua off of exit 1 or Exit 4 of Route 3. Just a short ride away you will also find all the conveniences of the city from restaurants, to entertainment, and shopping. South Nashua is conveniently located close to the Pheasant Lane Mall and the highway for Massachusetts commuters. The elegant luxury homes of South Nashua are close to all the amenities you will ever need.

What features are you looking for?

The luxurious homes for sale in South Nashua have all the amenities you are looking for from spacious layouts, to high-end amenities and features, to large lots. Are you looking for a gourmet kitchen, an open layout, a spacious layout, a theatre room or even a pool? You could have many or all of the features you desire in South Nashua. The life you have been longing for is waiting for you here in South Nashua. We can help you find your dream home and make sure it has all the amenities you have been searching for!

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Luxury homes have good resale

The luxury homes of South Nashua NH have good resale because of their location and great schools. The Bicentennial School district is the best rated in South Nashua. It has an A+ rating on The kids and the parents love the school and all that it offers. In addition, the homes in South Nashua are always more valuable and in higher demand than the other surrounding neighborhoods due to the proximity to Massachusetts.

If you are looking for a luxury home in South Nashua give our agents a call at (603)883-8840 for a list of all the homes currently available. With the professional knowledge of our agents by your side, we will find you the perfect luxury home for sale in South Nashua NH.

Check out our website at www.Harmony-RE.com to see a list of all the available houses for sale in South Nashua NH. For a list of all the luxury homes for sale or for more information on living ion South Nashua or the surrounding area give Harmony Real Estate a call today at (603) 883-8840. 

Here are some great tips on how you can get rid of squirrels from your South Hudson home for sale on your own, without having to break your bank!

Block Their Entrance

Find out where the squirrels are entering into your South Hudson home’s attic and cover any holes so no more squirrels can get in, except for one so they can use it to exit your home. Cover your chimney with wire mesh if you have one so no more squirrels can get in. Also be sure to secure any openings from your attic to the rest of your South Hudson home so any panic stricken squirrels don’t try to flee into the rest of your home.

You want to make sure every possible entry point is blocked so they don’t regain entry once you have them out!

Create An Exit

Create a funnel out of metal or wire mesh and be sure the funnel is about 1 foot long, an about a foot wide. Attach the wide end of the funnel to the hole on the outside of your South Hudson’s home. Usually if the animal can leave out of the small hole, they will be able to re-enter as well, so just be careful. Try placing some food such as apple slices or peanuts at the hole of the opening to draw the squirrels out, or just wait for them to leave on their own to gather food.

Once they are out make sure to board up the hole or put mesh on it so that can’t regain entry.

Trapping Squirrels

You can usually find a trap at your local hardware store. When purchasing a trap for a squirrel please keep in mind that in a larger cage the squirrel may begin to panic and harm themselves. Usually a cage that is 6 inches, by 6 inches, by 18 inches will be perfect for a small animal like a squirrel. Read the directions that come with the trap and be sure you know how to set it properly!

Put some food in the cage that appeals to a squirrel such as peanut butter, apple slices, peanuts, soda crackers, or pieces of bread crust otherwise the squirrels may not even go near the trap. Make sure the food is placed far enough inside the cage so the animal can’t grab it through the sides.

Set it up, and wait for the trap to work its magic.

Catch, then Release

Once you have trapped the squirrel, you will need to release it. But first, be sure to check your South Hudson attic for baby squirrels. The babies will be helpless without their mother, and you will need to relocate them with her so they don’t die. The best thing for you to do is relocate them far away from your South Hudson’s home for sale in a wooded area where they can hopefully find their new home in a tree, rather than inside your attic.

Make sure you wear thick heavy gloves when you are releasing the squirrel from the trap. If the squirrel is angry, you wouldn’t want to get bit, or attacked. You can also use a string or rope to open the cage from a distance.

Make sure they don't come back

Be sure to keep the trap filled with food in your South Hudson attic for a few weeks longer to be sure all the squirrels have left your home. Patch up the holes in your home as well so they can’t try to re-enter. Try leaving your attic light on, or purchase some squirrel repellent from the store, rags soaked in household ammonia work too. Also, leaving a radio on in your attic, or purchasing an ultrasonic repellent may work for you as well.

If you are looking for more tips on how to get rid of pests or other animals in your South Hudson home for sale give us a call or check out our other articles on getting rid of pests in your home.

If you are looking to buy or sell a home for sale in South Hudson give our qualified agents at Harmony Real Estate a call today at (603) 883-8840. We would love to be a successful partner for your home purchase.

25 Cross St, Nashua, NH 03060

Downtown Nashua NH 2 Family with a 5 Car Garage

Are you looking for a move-in ready Multi-Family unit? Are you looking for an owner occupied investment opportunity? Are you searching for an investment where you can rent out the building and not live there? If so, this is the 2 family for you! It has the potential to be an investment or an owner occupied unit.

This Nashua NH Multi-Family features 2 units up and down. Each unit has 2/3 bedrooms, a porch, a full bathroom, some hardwood flooring, and there is a full walk-out basement for additional storage. With 1,980 square feet of interior living space this 2 family sits on .12 acre near Downtown Nashua NH. Enjoy the conveniences downtown has to offer!

The exterior has been beautifully landscaped with perennial gardens leading up the driveway to the garage. This setups gives great curb appeal from the road.

This multi-family has several recent updates to include a new roof on the house and a new metal roof on the garage. There's no need to worry about replacing either roof any time soon.

The second floor unit was updated with new flooring and well maintained as an owner occupied unit for the last 2 1/2 years. The boiler was installed 2 years ago. There bathroom on the second floor has been updated and is ready to move-in. The first floor just needs some cosmetic updating.

The interior of the second floor is move-in ready waiting for you! The interior of the first floor is waiting for some cosmetic touches to update it. 

This Downtown Multi-Family is Conveniently Located

This Downtown Nashua 2 Family is conveniently located close to entertainment, shopping, highways and more. It is ideally located within walking distance to downtown which offers several Restaurants, Bars, Shopping, Public Transportation, and a Supermarket. This Downtown Nashua NH 2 family for sale is close to all these amenities of the city.

The multi-family is located approximately 5 minutes from Exit 5 in Nashua NH and about 7 minutes from Exit 2 on Route 3 in Hudson NH for commuters. In addition, the Pheasant lane Mall is only about a 10 minute drive away in South Nashua for even more shopping fun.

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

This beautiful Cross St Multi-Family in Nashua NH is located within a 30 minute drive to Manchester and within a hour from Boston MA for those looking to commute. Nashua has public access to pools in the summer for residents to enjoy swimming. Greeley Park is also only a couple minutes away with mature landscaping, trails, a kiddie pool, a playground, a stage pavilion and more. There are several events hosted at Greeley Park during the year to include Festivals, Walk-Athons, Senior Outings, Concerts and more.

Open Concept Living in this Downtown Nashua Multi-Family

The first floor opens into the eat-in kitchen and pantry area from the side porch. The living room is just off of the kitchen and currently the room off the living room is being used as another bedroom. There are two other ample sized bedrooms off of the eat-in kitchen. There is basement access through a door in the kitchen leading to more storage space.

The second floor has a similar layout to the first floor. The stairs from the side porch lead up tot he unit and open into the eat-in kitchen and pantry area. The living room is just off of the kitchen and currently the room off the living room is being used as an extension of the living room. However, it could be used as another bedroom, a den, a dining room, and there are plenty of other potential uses depending on your need. There are two other ample sized bedrooms off of the eat-in kitchen. There is basement access at the bottom of the side stairs leading to more storage space.

Enjoy a relaxing night in this Downtown Nashua multi-family's bedrooms

There are a total of 2/3 Bedrooms in each of the two Units of this Downtown Nashua NH multi-family for sale. The units have similar layouts. The first and the second floor units both have 2/3 bedrooms. The carpeting was replaced about 2 1/2 years ago in all the bedrooms on the second floor.

The Master Bedroom is ample sized to accommodate a King sized bed and several bureaus. Tenants will enjoy relaxing in their new apartment or you can reap the benefits of letting a tenant help pay your rent.

A full walk-out basement adds more storage

Aside from it’s convenient location, one of the best things about this home is the large basement. There is ample room for storage for personal use or for you and your tenants. 

Take several steps down from the side porch to the large basement which has many potential uses. The basement could be separated into two or more different sections which could be utilized in many different ways.

There are many potential uses for the area depending on your need.

Enjoy all of your garage space

The 5 car detached garage has a new metal roof which will last a long time! It has the potential to be used for personal use or as a further investment by renting out the bays.

The whole house 25 Cross Street, Nashua NH consists of ten rooms, 2 porches, 5 bedrooms (potentially 6 bedrooms) and 2 baths. It is located on a .12 acre landscaped lot with a large 5 car detached garage. There is a long paved driveway with 6+ car parking leading to the garage. The taxes for 2016 are $5,636. The current 2016 tax rate for Nashua, NH is $25.07 per thousand dollars of assessed property value.

Enjoy all the amenities of this Downtown Nashua NH 2 Family for only $299,900. Call (603) 883-8840 today to schedule a showing with one of our qualified agents.

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

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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.

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.