Posted by Sandra Tessier on 8/15/2017

Purchasing a home is a sign of new financial responsibility for many people. The leap into homeownership is a big and important step. Finding a home and securing a mortgage isnít easy. Getting ready to take on a mortgage can require a lot of research and education on your part. Before you get too confused, youíll need to learn the basics of a mortgage and what you should know before you apply. 


Be Prepared


This is probably the best advice for any first time homebuyer. Find some good lenders in your area. You can sit down with a lender and talk about your goals. The bank will be able to explain all of the costs and fees associated with buying a home ahead of time. This way, youíll know exactly what to expect when you head into a purchase contract without any surprises. 


Whatís Involved In A Loan? 


Each mortgage is a different situation. This is why meeting with a lender ahead of time is a good idea. Your real estate agent can suggest a mortgage lender if you donít have one in mind. No one will be happier for you than your real estate agent if you have a smooth real estate transaction. Youíll be able to walk through the mortgage process step by step with a loan officer and understand the specifics of your own scenario.


What Youíll Need For A Mortgage


Thereís a few things that youíll need to have ready before you can even begin searching for a home. 


Cash For A Down Payment


Youíll need to save up a bit of cash before you know that youíre ready to buy a home. Itís recommended that you have at least 20 percent of the purchase price of a home to put down towards your loan initially.   



A Good Working Knowledge Of Personal Finances


You should have an understanding of your own finances in order to buy a home. Not only will this help you save, but it will help you to ensure that youíre not going to overextend yourself financially after you secure the mortgage. To get your finances in order, honestly record all of your monthly expenses and spending habits, so you know exactly what you can afford.   


The Price Range Of Homes Youíre Interested In 


If you have an idea of what kind of home youíd like, it will make your entire house shopping experience a lot easier. Youíll be able to see exactly what you can afford and how much you need to save. When your wish list equates to half-million dollar homes, and you find that you can only afford around $300,000, you donít need to go into shock! Itís good to have an idea of how much house you can afford and what it will get you. When you do a little homework, youíll discover that buying a home isnít such a hard process when youíre prepared!





Posted by Sandra Tessier on 8/11/2017

This Single-Family in Merrimack, NH recently sold for $424,999. This style home was sold by Sandra Tessier - RE/MAX Property Specialists Group Inc..


18 Cobblestone Place, Merrimack, NH 03054

Single-Family

$424,999
Price
$424,999
Sale Price

4
Bedrooms
10
Rooms
3/1
Full/Half Baths
A LOT OF HOUSE at a very ATTRACTIVE PRICE. Enjoy the SERENITY! Surrounded by historic stone walls and nature, this peaceful and private property allows you to escape from a busy life. The floor plan is perfect for a diverse mix of lifestyles. The open concept is ideal for entertaining or spending time together as a family. Yet, when you need some down time, there are several quiet or intimate spaces, such as the office/library and the amazing 624 sq ft master suite, featuring separate his/hers bathrooms and separate his/hers walk-in closets! This home boasts many recent upgrades; new roof, freshly painted interior, granite counter tops, bathroom vanities, and many more. The kitchen features a butcher-block island, cabinets galore, and a huge walk-in pantry! The 2,068 sq ft walkout basement has high ceilings and would be perfect for a workshop, game room, and much more. In the evenings relax on the deck or sit by the custom-built fire pit and watch the wildlife. Enjoy the nature trails and the babbling brook that flows through the conservation land just south of the property. Throughout most of the day the only sounds you will hear are chirping birds and the rustling leaves. This property and is full of possibilitieswith the gentle rolling hills, stone walls, the foundation from a circa 1800s house site, the property could be transformed into a beautiful park-like setting. Or remove a few trees to create a hobby or subsistence farm.






Categories: Sold Homes  


Posted by Sandra Tessier on 8/8/2017

Cleaning a medium sized house single-handedly could take three hours. It only gets worse if you clean up after a spouse and two or more children. Forget trying to clean the way your mother or grandmother cleaned when you were a kid. Your life is probably different from your mother's and grandmother's. You might be juggling a job,homeschooling your children or managing your own business.

Here's what a housekeeper can take off your shoulders

Whether you work in or outside your home, it wouldn't be a surprise if you put in more than 40 hours a week. The last thing you need at the end of a grueling workweek is to have to clean the house. Over time, the added chore of housecleaning could cause you to feel overwhelmed. Help could come in the form of a housekeeper.

Depending on the agreement that you make with a housekeeper, the professional who cleans your house can do several things. Among the tasks that a housekeeper could perform for you are:

  • Cleaning carpet and hard wood floors (Don't expect a housekeeper to buff hardwood floors. If you want the housekeeper to perform this type of work, state that upfront before you and the housekeeper enter into an agreement.)
  • Dusting and cleaning furniture
  • Washing clothes and bed linen
  • Cleaning bathrooms and kitchens, including mopping floors
  • Washing windows (This is another item that you may have to clearly state that you want completed before the housekeeper starts working for you.)
  • Folding laundry and ironing clothes

Getting more from a housekeeper

To get more work completed by a housekeeper, you may need to hire a live-in housekeeper. Alive-in housekeeper might watch your children for you, in addition to cleaning your home. A live-in housekeeper also might prepare meals. Be prepared to pay more for a live-in housekeeper. Also, have a designated living and sleeping space for the housekeeper.

Should your elderly parents or grandparents live with you, let your housekeeper clean your parents' or grandparents' living space. Purpose of hiring a housekeeper is to relieve you of work, to free you up to do other things.

If you love to entertain, ask your housekeeper if he would be willing to clean the area that you are going to entertain in, both before and after the event. Don't assume that your housekeeper will be available to clean for you after his regular work hours. Respect your housekeeper's personal time. If you value your housekeeper and show it, you could develop a true friendship with this person.

Go with a housekeeper you trust. Do a background check on prospects before you hire a housekeeper. Ask friends, relatives and colleagues to suggest a housekeeper for you. Make sure that the housekeeper is good with children if you have kids. The housekeeper won't babysit, but will need to be patient with kids to make the working relationship rewarding. If your housekeeper is good but is afraid of cats or large dogs, let your pets go outside or into the basement while your house is being cleaned.





Posted by Sandra Tessier on 8/7/2017

This Single-Family in Moultonborough, NH recently sold for $194,000. This Cape style home was sold by Sandra Tessier - RE/MAX Property Specialists Group Inc..


12 Finch Street, Moultonborough, NH 03254

Single-Family

$199,900
Price
$194,000
Sale Price

3
Bedrooms
8
Rooms
2
Baths
Welcome to one of the most beautiful communities found on Lake Winnipesaukee in Low tax Moultonborough NH. Totally charming Suissevale home. Amenities well maintained and manicured, one of the nicest beaches on Lake Winnipesaukee with ample room for everyone, clubhouse, tennis courts, playground & sledding hill. A short drive to the boat launch and huge sandy beach, children's waterfront play area & picnic areas. House sits on a half acre + private lot. Inside first floor you will find an eat in kitchen, living room w/ wood heat stove for ambiance and that New England getaway feeling, 1 bedroom & 3/4 bath on the 1st floor and 2 bedrooms on the 2nd floor with a full bathroom. Plenty of parking - and room for a garage for storage for all your year round toys should you choose so. Nicely landscaped with a fire pit. Don't miss out on your opportunity to own this fantastic home today.






Categories: Sold Homes  


Posted by Sandra Tessier on 8/5/2017

This Single-Family in Weare, NH recently sold for $370,000. This Ranch style home was sold by Sandra Tessier - RE/MAX Property Specialists Group Inc..


747 Concord Stage Road, Weare, NH 03281

Single-Family

$360,000
Price
$370,000
Sale Price

3
Bedrooms
8
Rooms
2
Baths
Arichtecturally pleasing with a breath taking setting for this one of a kind country style home located on 12.19 acres of top quality farm land. Ideal open fields for horses and cows. As you enter this home you will appreciate the open concept one floor living. The main gathering areas flows seamlessly from one room to another into a generous galley kitchen with ample under cabinet lighting . The vaulted ceilings, exposed beams and fieldstone hearth give this home a great sense of country and contemporary feeling. Enjoy the breakfast nook to take advantage of the sunrise coming over your very own pond that can also be enjoyed from the generous deck space available from the master bedroom and the living room. Master bedroom with large walk in closet and spacious master bath. Private office space and bonus room that can be finished above. Radiant heat throughout this home and a enormous walk out basement that would be perfect for a media and game room . Beautiful sunsets from your very own farmers porch. Large attached garage for todays full sized trucks and plenty of space for barns and outbuildings.






Tags: Real Estate   Single-Family   Weare   03281  
Categories: Sold Homes