Portsmouth NH Real Estate, Seacoast NH Real Estate, Portsmouth NH Homes For Sale, NH MLS Listings


Being a first time home buyer has it's benefits when it comes to financing. The Federal Housing Administration (FHA) has loans tailored specifically to you! Lower down payments and lower closing costs help newbies make the jump into home ownership. With a FHA first time home buyer loan you can get interest rates as low as 3.5%, which can really save money on the life of your loan and keep your monthly payments lower. Your down payment is also lower than a traditional mortgage; instead of putting 20% down, you can put as low as 3.5% down if you qualify. While a lower down payment will increase your monthly payment (since you are taking a loan out for more money), it will help with the burden of needing a large amount of money up front. With FHA loans you can also include most of the closing costs and fees into the loan, again helping with the money needed at the time of purchase. You can even add in the costs for repairing a home that needs a good deal of fixing up. Regardless, you will need to have enough money for the down payment, some closing costs, and inspection. Since you would be putting less than 20% down, FHA loans require that you also have private mortgage insurance (PMI), which is a percentage of your loan. This will be added to your monthly mortgage payment, and the bank will pay it out of your monthly. Being a first time home buyer probably means you need some help on getting through the process. The US Department of Housing and Urban Development (HUD) has housing counseling agencies that can give you advice on buying a home, avoiding foreclosure, and fixing your credit. You can find your local agency at http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm. Lastly, you can also find local buying programs to help with buying a home, including helping with your down payment at http://www.hud.gov/buying/localbuying.cfm. If you never thought you would be able to afford a house, think again. With programs out there to help you buy your first home, you could be moving into a place before you know it!

Finding a local mechanic after you move might feel like a full time job in addition to unpacking. No worries we have ideas. Most neighborhoods and communities need a mechanic at some time, even if just to blow up your bike tire. To narrow down your search for someone who can take a peek at your 2 door, 4 door, family truck, or traveling office, head to your local coffee shop. Not kidding! Get to know shop folks. What we mean is look around, figure out who the regulars are and ask them who their mechanic is. This networking adventure could be more useful than you think. Not only can you try out a few mechanics, but you will probably learn about other local hot spots. Everyone needs to know the best grocery store, gas station, bank, hair salon or barber, local restaurant and watering hole. You will be glad you took your time to search out the locals in your new community before you are in desperate need of a service, such as a mechanic. Once you are all settled in and can find your way around a little bit, explore and go get yourself a cup of coffee and say hi to the regulars for us.

Feel as though you are losing space with every additional item that enters a room? Knick-knacks, electronics, toys and accessories piling up? Take a look at the tips below to maximize space in living rooms, dens, bedrooms, and extra rooms such as craft and laundry rooms. Built-Ins: Built-ins are a great space saver. They create storage without taking up too much space in a room. They are customizable so you can pick what type of storage will work best for you. Built-ins are especially effective in living rooms and toy rooms. Wall Storage: Wall storage is a great option for saving space in smaller, functional spaces like craft rooms, laundry rooms, and even kids rooms. Entryways will also benefit from wall storage where coats and keys can be hung up instead of flung on the nearest surface. It provides storage without taking up floor space. There are so many options for wall storage that range from shelves, hooks and cabinets of all sizes. Hidden Storage Furniture: Furniture with hidden storage is great way to maximize space. These pieces include ottomans, coffee tables, and end tables. Storage ottomans are great for storing extra blankets and pillows. Storage coffee tables and end tables are perfect for storing books, magazine, extra remotes, DVDs, coasters, and electronic accessories. If these pieces did not have storage then those items would be lingering on the tops of tables or around the house causing clutter and dysfunction. Multifunctional Storage: There are endless options here, some more functional than others. Under the stairs storage or stairs that have drawers and/or shelves, sofas that turn into beds, mirrors with jewelry storage, fold-down tables with storage, food/water bowls for animals incorporated into drawer storage, and litter boxes hidden in coffee tables (although I’m not sure who would want this). The type of home and room will determine whether or not some of these are practical options, but nonetheless, some are pretty unique. Incorporating one or more of the tips above will be determined by the type of room and home. A tip that works for a bedroom may not work for a bathroom and the same for a home compared to an apartment. Be cognizant of this when considering adopting these approaches for functional and spacious rooms. Hope these tips help maximize space in your home!

Welcome to my new blog! You can expect to soon see weekly articles that will help you in purchasing and selling your next property.
In the meantime, feel free to search for listings or register for daily listing alerts to keep you ahead of the market.
I specialize in Portsmouth, NH real estate, Rye, NH real estate, New Castle, NH real estate, Dover, NH real estate, Durham, NH real estate, York, ME real estate and surrounding towns. There are lots of real estate tools for you here on my website, such as the mortgage calculator, free market analysis, and access to the top buying and selling tips. Contact me for any of your buying or selling needs.



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