Homes of New Hampshire Realty

Posted by Homes of New Hampshire Realty on 3/21/2018

When you’re buying a home, there’s a lot to think about. Your finances probably have the biggest impact in the entire home search process. The amount of a down payment you have and the amount of loan you’re approved for help decide what you can buy. 

When you hear about closing costs, what do they entail? How much will you need to cover these costs? Many people get to the closing table for their home purchase and feel unprepared. You’ll need a certain amount of cash on hand when you finally close on a home. Learn more about closing costs, so that you understand everything that you need to know about your home purchase.    

Closing costs are spelled out pretty plainly in just about every kind of real estate contract. These costs are the fees associated with the title companies, attorney, banks, lenders and everyone else who is involved in the purchase of a home. The closing table is also the time when you provide your sizable down payment. The closing costs that are being referred to are considered a separate expense independent of the closing costs.

Closing Costs Vary

Closing costs can range from anywhere between 2 and 8 percent of the purchase price of the home. You can’t really “choose” what’s included in the closing, so you’ll need to have an idea of how much money you’ll need to write a check for. Lenders can give you an estimate of about how much closing costs will be. 


Certain things like the realtor’s commission fees can be negotiated and can be paid for by the buyer or the seller. The good news is that you can roll your closing fees in with your mortgage in some cases. You may also be able to negotiate with your lender to pay the closing costs for you in exchange for a higher interest rate. 

What’s Included In Closing Costs?

Depending upon where and what type of home you’re buying, what the closing costs actually cover varies. Here’s just some of the things that closing costs cover:

  • Appraisal
  • Escrow fees
  • Credit reports
  • Title search
  • Title exam fee
  • Survey fee
  • Courier fee (Most transactions are done electronically, but in some cases this may be necessary)
  • Title insurance
  • Owner’s title insurance
  • Natural hazards disclosure
  • Homeowner’s insurance (Your first year of insurance is often paid at closing)
  • Buyer’s attorney fee
  • Lender’s attorney fee
  • Transfer taxes
  • Recording fees
  • Processing fees
  • Underwriting fee
  • Pre-paid interest
  • Pest inspections
  • Homeowner's association transfer fees
  • Special assessments

These fees vary widely by state and the type of property that you’re purchasing. Not every fee is required, but the above is just a list of many of the possible fees that could be included in on the closing of the home you choose.

Posted by Homes of New Hampshire Realty on 3/14/2018

If you recently purchased a home in a new city or town, you may need to act quickly to ensure cable services are installed immediately following your move. Lucky for you, we're here to help you assess cable services providers so that you can find one that exceeds your expectations.

Now, let's take a look at three best practices as you evaluate cable services providers.

1. Think About the Services That You Will Need

Many cable services providers are available, and no two services providers are exactly alike. As such, you'll want to examine which cable services that you need, along with which services that you can live without.

For example, a hardcore football fan likely will need a cable services package that makes it easy to watch plenty of pigskin action. On the other hand, a political news follower may want a cable services package that delivers up-to-the-minute Capitol Hill news coverage.

Ask each cable services provider about the packages that it provides, along with which channels are included in each package. That way, you'll be better equipped than ever before to make an informed cable services purchase decision.

2. Consider Your Budget

Cable services packages may vary from basic packages that include a handful of channels to complete bundles that feature thousands of channels. Meanwhile, cable services providers offer packages at different price points, and you'll want to find a package that guarantees you won't have to break your monthly budget to afford cable services.

In some instances, cable services providers offer discounts to customers who sign multi-year agreements. Keep in mind, however, that if you sign a multi-year agreement, you're committed to the terms of this pact for a few years. And if you need to break the agreement, you may be hit with a cancellation fee.

Furthermore, many cable services providers offer internet and phone services. If you decide to combine your cable services with internet and phone offerings, you may be able to receive a discounted bundle rate.

3. Consult with a Real Estate Agent

Separating one cable services provider from another can be difficult, particularly for those with limited time and resources at their disposal. If you collaborate with a real estate agent, you can gain expert insights into different cable services companies and boost your chances of making the best possible selection.

A real estate agent is happy to connect you with top cable services providers in various cities and towns. By doing so, this housing market professional can ensure you can seamlessly set up cable services at any address, at any time.

Let's not forget about the support that a real estate agent can provide throughout the homebuying journey, either. A real estate agent can schedule home showings, negotiate with a seller's agent on your behalf and much more.

There is no need to worry about getting the best cable services at your new home. Use the aforementioned best practices, and you can should have no trouble finding a top-notch cable services provider prior to moving day.

Tags: cable tv   moving tips  
Categories: Uncategorized  

Posted by Homes of New Hampshire Realty on 3/7/2018

If you recently added your house to the real estate market, it may be only a matter of time before you sell your house. In fact, if you know what to expect after a home listing is published, you can plan accordingly for all stages of the home selling journey.

Now, let's take a look at three tips to help you prepare for the home selling process.

1. Craft an Engaging and Informative Home Listing

Oftentimes, a home listing may dictate a seller's success. If a seller creates a listing that fails to effectively highlight a house's benefits, buyers may shy away from the residence altogether. On the other hand, a seller who crafts an engaging and informative listing can increase the probability of a fast, profitable home selling experience.

Your home listing should include relevant information about your residence, including details about your house's age and condition. Also, it may be beneficial to include high-resolution photographs of your house to help buyers envision what life may be like if they purchase your residence.

There is no need to stretch the truth in your home listing, either. Because if you fail to provide homebuyers with accurate information about your home – and these buyers discover "hidden" home problems during an inspection – you ultimately may put a potential home sale in jeopardy.

2. Make Your Home Available to Potential Buyers

As a home seller, you should strive to make your residence available to as many potential buyers as possible. Thus, if a buyer requests a home showing on short notice, you should be willing to temporarily vacate your residence to accommodate this buyer's request.

In addition, you should try to keep your house neat and tidy. That way, if a buyer requests a showing on short notice, you won't have to worry about scrambling to clean your home.

3. Know What Your Home Is Worth

After you list your house, buyers will read your home listing and set up showings. And if a buyer is truly interested in purchasing your home, he or she likely will submit an offer.

A seller generally has only a limited amount of time to assess an offer and decide whether to accept, reject or counter it. Fortunately, if you conduct a home appraisal, you can find out what your house is currently worth.

With a home appraisal, a property expert will examine your residence, as well as evaluate pertinent housing market data. Next, this property expert will offer a home valuation that helps you understand the true value of your house.

Lastly, if you need assistance as you sell your house, it may be helpful to hire a real estate agent. This housing market professional can teach you about the real estate sector and help you make informed decisions at each stage of the home selling journey.

Take the guesswork out of selling your house – use the aforementioned tips, and you can boost your chances of enjoying a fast and successful home selling experience.

Posted by Homes of New Hampshire Realty on 2/28/2018

When you stop and think about all the preparations involved in putting your house on the market and avoiding mistakes, it can feel overwhelming! The good news is that you don't have to go it alone.

An experienced real estate agent can provide you with invaluable guidance on everything from effectively staging your home to complying with seller disclosure requirements.

One aspect of selling your house in the shortest amount of time (and for the highest price) is doing everything you can to make a great first impression on prospective buyers. You've probably heard the old expression "Presentation is everything." While that might be a slight overstatement when it comes to selling your house, it is a concept that is well worth keeping in mind. The overall impression prospective buyers take away with them after they've viewed your property will have a powerful impact on whether they decide to include it on their "short list."

Let There Be Light!

Sometimes the simplest changes can produce the biggest results. One example is lighting. If a room is inadequately lit, then you're not going to be showing it to its best advantage. Spaces that are too dimly lit can come across as dreary, shadowy, and uninviting. If you have bedrooms or other living spaces that don't have a ceiling light, for example, it might be worth the expense of having an electrician come in and correct that. Otherwise, homebuyers may find it frustrating and off-putting when they flip a wall switch, and it only turns on a ceiling fan, a floor lamp, or nothing!

Dimmer switches are often an easy and inexpensive solution for rooms that seem either too bright or too dark. Prospective buyers like the feeling that they can adjust the lighting in any room to match their immediate needs and mood.

Letting in as much natural light from the outside is another way to create a bright, cheerful ambiance in your home. Using decorative curtain ties to pull back curtains as far as possible can add a nice finishing touch while allowing as much outside light to shine in as possible.

If you happen to notice that your curtains are wrinkled, faded, tattered, heavy looking, or noticeably dated, you might want to consider replacing them with newer, more cheerful versions. The appearance and age of your curtains can have a lasting effect on the impression house hunters get from your home.

While we're on the topic of windows, keeping them impeccably clean is a goal worth prioritizing. That can be a difficult thing to keep up with if you have young children and pets who are always leaving smudges on glass and mirrors, but the cleanliness of windows is a small but important detail that will be noticed by potential buyers.

Although there are dozens of things to keep in mind when trying to make a great impression on home buyers, your real estate agent will help you identify cost-effective strategies for putting your best foot forward.

Posted by Homes of New Hampshire Realty on 2/21/2018

As a home seller, it is important to keep your house show-ready. By doing so, you can ensure your residence will look great, regardless of when a homebuyer wants to see it.

Ultimately, home staging can make a world of difference for any home seller, at any time. And with the right home staging advice, a home seller can learn what it takes to maintain a house's appearance both inside and out.

When it comes to last-minute home staging, here are three tips that every home seller needs to consider.

1. Illuminate your residence

Open up the shades and let sunlight into your residence – you'll be glad you did. By taking a few minutes to ensure that the shades are open, you can illuminate your residence and transform an ordinary home interior into a dazzling one.

In addition, turn on lights throughout your residence. This will enable you to brighten up each room in your home, thereby increasing the likelihood that homebuyers can see the true beauty of your entire house.

2. Wipe down bathroom and kitchen counters and sinks

Let's face it – messy counters and sinks are eyesores that no homebuyer wants to see. Fortunately, wiping down bathroom and kitchen counters and sinks is a fast, easy way to help your house stand out in homebuyers' eyes.

Keep paper towels or washcloths and a general-purpose cleaner near bathroom and kitchen counters. That way, you can wipe down these surfaces without having to search far and wide to find various home cleaning essentials.

Also, don't forget to remove clutter from in and around a bathroom or kitchen sink. Whether it's dishes in the kitchen sink or leftover toothpaste in the bathroom sink, it pays to be thorough as you complete last-minute preparations for a home showing.

3. Check for odors in your home

Pungent smells that come from a refrigerator or other areas may impact how a homebuyer perceives your house. Thus, you'll want to do a quick odor check as part of your last-minute home staging routine.

Empty any garbage cans as needed. This will allow you to eliminate nasty odors that may be coming from garbage cans.

Furthermore, feel free to use scented candles to deal with tough smells. If you decide to use scented candles, however, make sure the odors that they provide are not too overwhelming.

If you need any extra assistance as you get your house ready for a home showing, don't hesitate to reach out to your real estate agent as well.

Typically, your real estate agent can offer expert advice throughout the home selling journey. He or she will make it easy for you to prep for home showings and stage your home properly. As a result, your real estate agent can increase your chances of receiving the best price for your residence.

As the clock ticks closer to a home showing, there's no need to worry. Use the aforementioned tips, and a home seller can get a house show-ready in a matter of minutes.