Posted by Sandra Tessier on 6/20/2017

Every child grows up either with a dog or dreaming of the day they will have a dog. And if itís not a dog, itís a cat, a hamster, or even a goldfish. But sometimes having a pet is just not an option. Here are a few things to consider before getting a pet. Allergies: Itís important to know whether or not you or anyone living in your home has any allergies to animals. And itís best to know before you adopt or buyó there are tests that your doctors can run. Itís never a good situation for the pet owner(s) and animal if the animal has to either be given back or given to someone else due to an allergy. This will put a lot of stress on the animal being moved around too much and it can also cause harm to the people involved, as it is always difficult letting go of a pet. If someone in the home has an allergy you may have to stick with goldfish and hermit crabs. However, there are certain types of dogs that are considered hypoallergenic. Travel: Do you work long hours? Do you travel often for work? Will there be anyone home when you arenít? These are all important questions to consider before adopting a pet. These questions donít apply as much to pets such as goldfish and hamsters (even though they still require care), but are extremely important if you want a cat or dog. Time: Do you have the time for a pet? Consider the questions above such as work hours and traveling, but also if you have the time between having a social life, taking care of your children, bringing them to soccer practice or dance class, etc. If you think you have the time then you must also consider that there are different breeds of dogs that require more attention and work than others. The same goes for different types of cats. Be sure you are completely aware of the work that goes into the type of dog or cat you want. Cost: The cost of a pet goes well beyond the initial adoption or breeder fee. Itís important that you consider the lifetime cost of owning a pet and whether or not you can afford an animal. Again this more pertains to dogs and cats rather than hamster and fish. Thereís the cost of food, grooming, veterinary care, toys and walkers. And the costs will vary depending on the breeds of cats and dogs. Itís also important that you save for emergency vet visits, as they can be completely unpredictable and very trying at the time. Having money saved up will take a small bit of the stress away. A pet is a large responsibility and one that should not be taken lightly. You are caring for another life and the adoption or purchase of any animal should be well thought out and something you are prepared for. If that sounds like you then go out and find the pet thatís perfect for you and your family.




Tags: pets   adopt   adopted pet   dog   cat   Getting a Pet   family pets  
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Posted by Sandra Tessier on 6/1/2017


22 A Lenox Road, Derry, NH 03038

Rental

$2,000
Price

3
Bedrooms
6
Rooms
2
Baths
NO SMOKERS AND NO PETS!! Excellent Rental Opportunity!! Move right into this 3-bedroom, 2-bath, fully updated farmhouse! This home boasts 2-zone gas heat, central air conditioning, updated baths, spacious and fully applianced kitchen (gas cooking stove), sunny breakfast nook, separate dining room, ample closets, central vacuum and hardwood/tile flooring. The 2-car attached garage is over-sized which affords additional storage space! Washer and dryer included!
Open House
No scheduled Open Houses






Tags: Real Estate   Rental   Derry   03038  
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Posted by Sandra Tessier on 5/30/2017

Your credit score is a 3 digit number that can have a huge impact on many things that you hope to accomplish in your life. One of the biggest reasons that you need a good credit score is for buying a home. As many people rely on credit cards to fund their expenses, they consequently end up in debt. This doesnít have a favorable impact on credit scores. Yet, itís so important to maintain good credit.  


Why The Score Is Important


A credit score is one of the most crucial factors in determining if you can qualify for a mortgage. It is an overall gauge for lenders to understand how financially responsible you are. The higher your credit score, the less risk you carry in the eyes of lenders. 


What Affects A Credit Score?


Your credit score is calculated based on information that is found on your credit report. There are five different things that affect your credit score, each with a slightly different impact:


  • Payment history
  • Debt-to-credit utilization
  • Length of credit history
  • Credit mix
  • New credit


Whatís A Good Score?


Absolutely flawless credit is 850. Donít worry if youíre not in that category. Only about 1/2 of one percent of consumers actually have a score this high. Once your score reaches 740 and above, youíre able to qualify for the best in mortgage rates. Even if your score is in the low 700ís, you still should be able to qualify for a good interest rate. For a conventional loan, many lenders look for a credit score of 620 and above. Being in the high 600s will help you to avoid the need for additional paperwork. Youíll also get a decent interest rate with this score. 


What If You Donít Have Credit History?


Ideally, you would have opened some type of a credit card by the time you reached the age of 20. This would help to establish credit. If you donít have any type of credit history, thereís still a few ways that you can qualify for a mortgage. In these cases, lenders will often use alternative sources in order to determine the reliability of a party theyíre lending to. Your car payment history doesnít show up on your credit report, but a good track record helps lenders to see that youíre dependable and a responsible credit user. 


What About Bad Credit?


From missed payments to errors on your credit report, there could always be some problems with a credit score. The good news is that bad credit can be fixed. There are even loan programs designed to help people with less than perfect credit scores. Generally FHA (Federal Housing Administration) loans and VA loans allow for low down payments and have lenient credit score requirement. 


Fixing Your Credit Score Is Fixing Your Habits


In order to repair your credit score, youíre going to need to fix the bad financial habits that got you into the situation in the first place. This means making on-time payments, spending less, and avoiding opening up any new accounts. Pay down your existing debt and try to make a fresh start form there. Also, be sure that you obtain a free copy of your credit report each year to keep on top of any errors that might be present on the report.





Posted by Sandra Tessier on 5/23/2017

For homebuyers, there may be nothing better than searching for a house in a buyer's market. Typically, a buyer's market is defined by several key characteristics, including:

1. Shortage of Homebuyers

In a seller's market, competition among homebuyers remains fierce. Therefore, a homebuyer may be forced to compete against several homebuyers to secure his or her dream home.

Comparatively, a buyer's market features a shortage of homebuyers, resulting in less competition for quality residences. As a homebuyer, this is ideal because it means that you may be able to improve your chances of securing a great house at a price that matches your budget.

If you're a homebuyer in a buyer's market, the ball is in your court. As such, you should take your time exploring the housing market and find a residence that suits your budget and lifestyle perfectly. By doing so, you likely will be able to secure your dream home without having to worry about the stress of competing against other homebuyers or exceeding your budget.

2. Abundance of Home Sellers

A buyer's market may be a tough time for home sellers. At this time, there may be many homes available, and home sellers might need to reduce the prices of their residences to stir up interest.

Meanwhile, an abundance of home sellers ensures there is a large supply of homes available. This may make it easier for a homebuyer to check out many terrific homes and find one at a below-average price.

Although a buyer's market presents many opportunities for homebuyers, it is important to avoid taking shortcuts. Instead, a homebuyer should devote ample time and resources to assess homes that meet his or her criteria and respond accordingly.

Furthermore, homebuyers should avoid the temptation to submit a lowball offer on a residence Ė even in a buyer's market. If you submit an offer that falls below a home seller's expectations, you may miss out on the chance to acquire your dream home altogether.

3. Steady Supply of Real Estate Agents

When it comes to shopping for a home in a buyer's market, working with a real estate agent is a great idea. A real estate agent can provide you with plenty of information about first-rate residences that you can enjoy for years to come. Plus, a real estate professional may be able to offer insights into a home that you may struggle to obtain elsewhere, making it simple for you to purchase a top-notch home at a bargain price.

Perhaps best of all, your real estate agent can offer recommendations throughout the homebuying journey. He or she also will be able to respond to any concerns or questions you have, ensuring you can remain calm, cool and collected as you transition from homebuyer to homeowner.

Employ a real estate agent to guide you along the homebuying journey in a buyer's or seller's market. With a real estate professional at your side, you can navigate the challenges of the real estate market and secure your dream house without delay.




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Posted by Sandra Tessier on 5/16/2017

Thereís many different myths about buying a home that may have been presented to you as fact. All of these rumors could have you believing that being a home owner is a dream. Here, weíll debunk some of the most common misconceptions about home buying and give you the tools to solve any issues that you may come across in the process of securing a home loan.


If You Donít Have 20% To Put Down On A Home, You Canít Buy


Many conventional loans do require a 20% down payment on a home. Thereís also many different loans available that may suit your needs. From Federal Housing Administration loans to Veteranís programs to down payment assistance programs, thereís many different things that can be done to help you buy a home. Keep in mind that any time you put less than 20% down, youíll need to provide additional mortgage insurance, also known as PMI or private mortgage insurance.  


If Your Credit Score Is Terrible Youíre Out Of Luck

If you want really good mortgage rates, having great credit is very important. If your credit score is low, your rates tend to be much higher. A really low credit score could keep you from getting a loan completely. FHA loans allow you to still qualify for a loan with a credit score as low as 580.


You Need To Make Bank To Get Money From The Bank


Monthly annual income is just one of the factors thatís considered when it comes to getting a loan to purchase a home. Your debts matter just as much if not more. People with significant credit card debt and other loans may be denied a home loan even if they have a substantial income. 


Youíre In The Clear If Youíre Pre-Qualified


Pre-qualification is much different than pre-approval. Pre-qualification involves giving your lender basic information about your finances in order to estimate how much of a loan you can get. This will give you a ballpark figure of about how much youíll be able to borrow. Of course, this is very helpful in the home search process, but youíre not done. To get pre-approved, youíll need a complete mortgage application in order to have your complete financial background check and credit rating.  


If Youíve Met One Real Estate Agent, Youíve Met Them All


This couldnít be further from the truth. Your relationship with your real estate agent is going to be quite close. Youíll need to share somewhat personal information in order to secure a house youíll love. Agents are involved in one of the biggest decisions that youíll ever make. Each agent has his or her specialties and knows different neighborhoods better than others. Definitely go with a real estate agent that you feel comfortable with and knows their stuff.  


Closing Costs Arenít Your Responsibility


Sometimes, sellers do pay the closing costs in the sale of a home. It all depends upon how the negotiations go with the home. Youíll need to be prepared for upfront costs in buying a home. These include a credit check, attorney fees and property insurance. As a buyer, youíll be paying anywhere between 2 and 5 percent of the purchase price of the home.  


Itís important to be prepared and to stay informed in order to make sound financial decisions throughout the process of purchasing a home. Everything will be that much more exciting when you have all of the pertinent information that youíll need.




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