Single-Family – 243 Atlantic Avenue North Hampton, NH 03862 is now new to the market!

Beautiful home with some recent updates! Gorgeous hard wood floors in this stately Colonial with a large farmers porch. Rich wood accents throughout, showing the craftsmanship of an era gone by. Den features a beachstone fireplace and coffered ceiling, with some newer built-ins to add to the convenience of today. Throughout the property there is a nice merger of the original architecture, with modern conveniences such as built-ins and storage space. Second level has 4 spacious bedrooms and an office. And if necessary, a walk up attic could be finished for even more space. Just off the mud room is a hot tub with the convenience of a bathroom near-by. Attached over-sized garage offers plenty of space and has an unfinished walk-up for storage or could be finished. Detached carriage house was converted to finished space in the 1980’s, so it could use some up dating. Very nice salt water in-ground pool and over-sized shed for storage of garden tractor and tools.

This is a Colonial style home and features 10 total rooms, 2 full baths, 4 bedrooms, 2.83 Acres, and is currently available for $799,000.

For complete details click here.

Mortgage Assistance Programs

Whether you’re a first-time homebuyer or someone who has previously owned a home at some point in their life, you most likely know how expensive buying a house can be.

Fortunately, there are many organizations who would agree and who seek to help qualified buyers. There are a number of programs available at the state, local, and federal level designed to help certain buyers purchase a home.

There are also a number of myths around these programs, such as what the term “first-time homebuyer” really means.

In this article, we’ll talk about some of the programs you can look into to get help paying for a home.

Who Qualifies as a First-Time homebuyer?

Contrary to what it sounds like, you can still qualify as a first-time homebuyer if you’ve owned a home in the past. The Federal Housing Administration (FHA) has been helping people achieve their goal of homeownership since the 1930s. The FHA connects first-time homebuyers with lenders if the buyer meets certain criteria. Those criteria are:

  • Someone who hasn’t owned a home in the time previous three years. This includes spouses.

  • A single parent who previously owned a home with a former spouse, or a “displaced homemaker” who has only owned a home a former spouse.

  • People who have only owned homes that didn’t meet building code or a residence not fixed to a foundation.

The way the FHA helps buyers secure an affordable home loan is by insuring the mortgage. This makes it safer for lenders to approve you for a better rate for your home loan.

Veteran, Rural, and Native American Loan Programs

Aside from FHA loans, you might also qualify for a VA loan, a USDA program, or the Section 184 Indian Home Loan program.

VA loans from the U.S. Department of Veteran Affairs help veterans secure low-interest loans with affordable down payments. They will also help repeat veteran home buyers who have had financial difficulties in the past such as foreclosure and bankruptcy.

The Section 184 Indian Home Loan Guarantee Program works similarly to an FHA loan in that the federal government insures the loan so that the buyer can receive a better rate and lower down payment.

This program is designed for American Indian and Alaska Native families. However, not every state is eligible for the loan.

The United States Department of Agriculture is another federal department that offers mortgage assistance. You don’t need to be a farmer or have agricultural aspirations to be approved for a USDA loan. Rather, these loans are designed to help develop rural areas by offering loans with no down payments.

State, Local, and Private Programs

Each state in the United States offers various buyer’s assistance and incentive programs. Be on the lookout for programs specific to your area to find low-interest rates and affordable down payments.

Fannie Mae, Freddie Mac, and other companies work with lenders to create affordable lending programs throughout the country. Remember to shop carefully when dealing with private lenders and look out for hidden costs.

Home Fencing Tips

Garden with stone landscapingA fence is one of the first things people notice when viewing your property. Residential fencing is most commonly used to define properties boundaries, hide an unsightly view, provide privacy, to keep children and pets safe and secure, or to enclose a swimming pool. In addition to fencings aesthetic function, your residential fence helps to provide for the safety of guests, as well as the security of your family.

When constructed from attractive, durable materials and installed correctly, a fence enhances and showcases the beauty of the landscape and adds value to the property. A broken down fence in need of repair may serve as a barrier but distracts from the attractiveness of the home and diminishes real estate values.

Make sure that the fence installation is both appealing and practical by choosing a design and materials that will best enhance your landscape. When installing a fence along a property line with an adjacent home, it should be visually appealing to both property owners while creating separation and privacy. Other considerations to keep in mind when selecting a residential fence include local ordinances; Home Owner Association covenants and if the fencing material you select will withstand the climate of your area. For homeowners living in a historic district, fencing should comply with the district design standard.

A visit to your fencing contractor’s display lot will present a diverse array of choices in fencing materials and styles. Be sure to select an experienced, established and reputable fencing contractor that warranties their work.

Types Of Fences

The American Fence Association with chapters throughout the United States and Canada is an excellent resource for finding a local experience and reputable fencing contractors.

A traditional wood fence is a classic approach to fencing, available in designs ranging from picket, rail, stockade, or privacy styles. Rough-cut Cedar is a popular material that presents a rustic, natural look to your landscape and is resistant to rot and decay. Keep in mind; a wooden fence will require periodic maintenance and painting or staining to retain its attractive appearance. Wood is strong enough for most home installations and will add beauty and visual appeal to your property.

Vinyl fencing is attractive, durable and virtually maintenance free. Manufactured with state-of-the-art technology offers a crisp, clean appearance and never requires staining or painting. PVC fences will not chip, fade, rot or peel. For families with children, PVC fences are free of splinters and outlast the majority of other fencing materials. For additional information about the merits and value of vinyl fencing contact the Vinyl Fence Manufacturer’s Association.

Iron fencing presents a sense of permanence, quality and security. Although an iron fence is initially a bit more expensive than other fencing materials, iron fences will last for the life of your home, require little maintenance and add a feeling of understated elegance to the landscape. When installing an iron fence, your fencing contractor can readily add a custom gate system with remote-controlled panels for easy access, located to offer excellent visibility for a home video surveillance system.

Ornamental fencing made of aluminum or steel is maintenance free and available in a wide variety of colors, heights and styles. To enhance the beauty of the ornamental fence, add scrolls, finials and rings for visual appeal and attractiveness. Ornamental fencing is a popular choice for swimming pool enclosures. Remember, to comply with local pool code safety ordinances; a self-closing gate must be installed.

For homeowners that want a higher level of security, anti-climb fences are an excellent option that keeps out unwanted persons and pests without losing their aesthetic appearance.

Open house on 3/12/2017 at 1971 Lafayette Road Portsmouth, NH 03801


Date: 03/12/2017 Time: 1:00 PM to 3:00 PM  
For Directions: feel free to contact me.  
For more information: click here for the full details  

Cute as a button! Most economically priced house in Portsmouth at the moment! This little ranch is perfect for down-sizing to all one level or for the first time buyer. Nice level .35 acre lot with plenty of room for a garden or a garage. This home had a recent face lift to give it more of an open concept feeling. Hardwood floors, stainless appliances and up-dated bathroom with over-sized shower! Full basement with bulkhead to exterior, pellet stove and laundry hook ups.

Single-Family – 1971 Lafayette Road Portsmouth, NH 03801 is now new to the market!

Cute as a button! Most economically priced house in Portsmouth at the moment! This little ranch is perfect for down-sizing to all one level or for the first time buyer. Nice level .35 acre lot with plenty of room for a garden or a garage. This home had a recent face lift to give it more of an open concept feeling. Hardwood floors, stainless appliances and up-dated bathroom with over-sized shower! Full basement with bulkhead to exterior, pellet stove and laundry hook ups.

This is a Ranch style home and features 5 total rooms, 1 full bath, 2 bedrooms, 0.34 Acres, and is currently available for $279,900.

For complete details click here.

Open house on 3/11/2017 at 38 Willowbrook Avenue Greenland, NH 03840


Date: 03/11/2017 Time: 11:00 AM to 1:00 PM  
For Directions: feel free to contact me.  
For more information: click here for the full details  

Beautiful home with all the conveniences you will love! Sited on a 3.65 acre lot, this low maintenance home offers all the amenities you can image. Open concept with vaulted ceilings gives a spacious feel. Beautiful kitchen with stainless steel appliances, granite counter and instant hot water dispenser. Living room features a gas fireplace and slider to the deck. First floor master suite with double vanity and spacious closets. Laundry and half bath are also located on this level. Upstairs offers two bedrooms and bath, perfect for company! Finished lower level with Renai heating system. Unfinished space in lower level is perfect for a work shop with walk out access. Two car garage that will actually fit two cars or your truck and a car! Other features include Central AC, Stand-by, whole house generator (see negotiable items), and on-demand water heater. Beautiful setting! This house has a home owners association and the only shared expense is the master insurance.

Why You Need A Real Estate Attorney When Buying A Home

If you’re buying a home, most likely, you’ll want to have a real estate attorney. The attorney will serve a couple of different purposes, namely, to protect you in the purchase of a home.

Real estate attorneys provide legal advice related to the purchase of a home. An attorney’s duties include:

  • Reviewing and revising the purchase and sale agreement (referred to as the P&S)
  • Negotiating the P&S with the seller’s attorney
  • Adding riders to protect your interests
  • Ensuring you meet contingency dates
  • Helping the buyer to understand zoning laws
  • Helping the buyer to understand ownership interests

If there’s a dispute during the sales process, you’ll be quite happy to have an attorney on your side. The attorney can provide advice based on your legal rights and legal obligations under any contracts that you have signed. 

The bottom line is that your attorney will have your best interests in mind. In everything from ownership issues to disputes and how they will impact your ownership in the property, your attorney will be there to give you the most pertinent advice. There are numerous situations that can come up when it comes to buying a home. It’s impossible to anticipate them all. You don’t want to end up owning problems that you didn’t create, or were unaware of.

Coordinating With Other Attorneys

As a buyer, your attorney will coordinate with other attorneys involved in the sales process. This includes the seller’s attorney and the attorney that will be responsible for the closing on the sale of the home. Your attorney will make sure that all other parties have followed through to resolve any issues that may arise in a timely manner. Your attorney can actually become the closing attorney under certain circumstances, but they will at least be present at the closing.  

The Closing Attorney

The closing attorney is the one who is responsible for many different tasks before and during the closing on the sale of the home. These tasks include:

  • Searching the title
  • Resolving title issues
  • Issuing the title insurance
  • Obtaining the payoff amounts for any outstanding mortgages or leins
  • Ensuring taxes and any other city or town related bills have been paid
  • Preparing closing fees on the settlement statement
  • Explaining documents that will be signed at closing by both the buyer and the seller

Buyers in different states have different rights as to who they can choose as their closing attorney. In a technical sense, the closing attorney represents the lender. It’s a good idea to have your own buyer’s representation at closing. 

Attorneys have a duty to keep their clients‘ information confidential and also to keep their best interests in mind. If an attorney is representing both the buyer and the lender, you will most likely receive a form of written consent, notifying you of this matter.

There’s a lot going on legally during the purchases of a home, so be sure you get recommendations and find the right attorney who will represent you as a buyer.

Condo – 38 Willowbrook Avenue Greenland, NH 03840 now has a new price of $419,900!

Beautiful home with all the conveniences you will love! Sited on a 3.65 acre lot, this low maintenance home offers all the amenities you can image. Open concept with vaulted ceilings gives a spacious feel. Beautiful kitchen with stainless steel appliances, granite counter and instant hot water dispenser. Living room features a gas fireplace and slider to the deck. First floor master suite with double vanity and spacious closets. Laundry and half bath are also located on this level. Upstairs offers two bedrooms and bath, perfect for company! Finished lower level with Renai heating system. Unfinished space in lower level is perfect for a work shop with walk out access. Two car garage that will actually fit two cars or your truck and a car! Other features include Central AC, Stand-by, whole house generator (see negotiable items), and on-demand water heater. Beautiful setting! This house has a home owners association and the only shared expense is the master insurance.

This is a Townhouse style home and features 12 total rooms, 1 full bath, 1 half bath, 1 3/4 bath, 3 bedrooms, 3.64 Acres, and is currently available for $419,900.

For complete details click here.

Open house on 3/11/2017 at 38 Willowbrook Avenue Greenland, NH 03840


Date: 03/11/2017 Time: 12:00 PM to 2:00 PM  
For Directions: feel free to contact me.  
For more information: click here for the full details  

Beautiful home with all the conveniences you will love! Sited on a 3.65 acre lot, this low maintenance home offers all the amenities you can image. Open concept with vaulted ceilings gives a spacious feel. Beautiful kitchen with stainless steel appliances, granite counter and instant hot water dispenser. Living room features a gas fireplace and slider to the deck. First floor master suite with double vanity and spacious closets. Laundry and half bath are also located on this level. Upstairs offers two bedrooms and bath, perfect for company! Finished lower level with Renai heating system. Unfinished space in lower level is perfect for a work shop with walk out access. Two car garage that will actually fit two cars or your truck and a car! Other features include Central AC, Stand-by, whole house generator (see negotiable items), and on-demand water heater. Beautiful setting! This house has a home owners association and the only shared expense is the master insurance.