One of the most common questions i have been asked recently is, "this is my credit score, can i get a mortgage?"The first thing any buyer needs to do when they start thinking they want to buy a home, is to contact a local and trusted mortage broker, bank or credit union.STAY AWAY from the internet lenders. You really want to be able to put a face to a voice and have a local source to be able to get information and drop off any paperwork or financials.A good local loan officer will pre-qualify you at no cost. They will look at your credit score but more importantly your whole financial picture. This includes your credit report, current income, debt and employment history.The will let you know what programs you may quailify for and what the down payment and closing costs for each are so y... 05/31/2010

One of the most common statements i get is just that. "I need to sell my house" and is usually followed by what am i doing wrong or why hasnt it sold when this house sold and its not as nice as mine... i could go on and on...The most common response is for an agent to say "Drop the price". Ther first problem is you can drop you price but do you know what the makret value of your house is in todays market.? You first need your agent to complete (or get an agent to complete) a new broker price opinion to see what that value is in todays market. You then need to adjust your price accordingly. If you price started way to high, these little reductions still have not brought you where you need to be. The next most common problem is lack of attention; (either by the agent or by the seller)The ... 05/26/2010

Now that the tax credit is over, i was wondering if other agents not only here in NH but thoughout the country, i was wondering what you have seen for market conditions.I have seen a change in overall calls, the young buyers have seemed to dried up. They either already put everything under agreement or have withdrawn from the market waiting to see what will happen now that they missed the 8k.Where there was definately a shortage of clean listings priced at or below market value in March and April, Listings seem to be increasing at a faster pace then new buyers since the rebate ended. I have seen a huge increase in investors. They were getting outbid as buyers were paying what they consider retail. They are back and making offers on everything, and grabbing up the homes that need to much... 05/26/2010

One of the most asked questions and most common call soliciting my business is from people who want to get into the foreclosure business., Either cleaning them, maintainging them, lawn care, snow removal, emergency services and changing the locks.There is nothing worst than an unprepared person coming into my office looking for work. I wanted to write this to gove not only people in NH but throughout the USA tips of what banks and what agents look for when looking for people to complete work.________________________The first step is to make sure your business is registered and you have obtained liability insurance. (most broker will not hire individuals, only real businesses)You should then look up to see who the leading agents are that handle bank owned homes in your area. Then go see ... 05/26/2010

Manchester NH Adult Community Homes and Condominiums The southern New Hampshire city of Manchester has several options for adult living communities. These communities include Lakeside, Ledgewood, Regency Condominiums at River's Edge, Regency North and Summit Place at Southridge. Click on the placemarks in the map below for more information on each community. View Manchester NH Adult Community Homes in a larger map Jim Miller is a Manchester NH Realtor with Coldwell Banker and provides buyer and sellers with professional real estate services. Jim is a licensed real estate agent in New Hampshire and Massachusetts. Realtor Manchester NH 03102, 03103, 03104, 03109 Manchester NH Real Estate Market Report. Active adult communities in Manchester New Hampshire are also known as age targeted, ac... 05/12/2010

Brand Yourself   Branding yourself is one of the most important marketing tricks on the books. Make you stand out and set yourself apart from all the others. Branding yourself is the key to being different. It is important with any business, however in Real Estate, being an Independent Contractor in a field with extensive competition, you need to stand out. Create a Personal Brand that tells customers how you're different from your competition and build your relationships with them daily. Branding yourself can actually have such a dramatic effect that you will become hunted rather than being the hunter. Eventually you will have leads coming to you, rather than you trying to find them. Branding yourself is one of the keys to being a successful REALTOR?. Each Flyer will give you the optio... 03/24/2010

Manchester, New Hampshire Real Estate and Homes for Sale - All MLS Listings  The Manchester NH real estate and home buying process can be complicated and you will benefit from the guidance of industry professionals. A real estate buyer's agent, mortgage lender and an attorney are the primary advisers in the purchase of Manchester NH homes for sale. If you are a first-time home buyer or an existing owner, you may qualify for a tax credit and could be eligible for special financing programs.  On November 6, President Obama signed legislation expanding the program to include a $6500 tax credit for qualifying existing homeowners. Start your search be determining your price range, housing needs and lifestyle you desire. Manchester NH real estate site heps you in finding the right property to... 03/17/2010

Manchester New Hampshire Single Family Market Report - 2009 The Manchester NH real estate and homes sold activity shows that there were 663 single family homes transacted in 2009 with an average sales price of $200,215 and an average days on market (DOM) of 86. Visit the Virtual Homes Blog for a NH statewide report. Manchester NH Real Estate - Community, relocation and school information with town demographics. Manchester NH Foreclosures - Obtain a list of foreclosed and bank owned real estate and short sales Manchester NH MLS Search - View all listings in the statewide MLS. Manchester NH Homes for Sale - Map Search - Search by location, neighborhood and commuting. Virtual Homes Real Estate provides search tools to asist you in learning about the community, listing and market conditions... 02/08/2010

Manchester,  New Hampshire Real Estate and Homes for Sale - All MLS Listings  The Manchester NH real estate and home buying process can be complicated and you will benefit from the guidance of industry professionals. A real estate buyer's agent, mortgage lender and an attorney are the primary advisers in the purchase of Manchester NH homes for sale. If you are a first-time home buyer or an existing owner, you may qualify for a tax credit and could be eligible for special financing programs.  On November 6, President Obama signed legislation expanding the program to include a $6500 tax credit for qualifying existing homeowners. Start your search be determining your price range, housing needs and lifestyle you desire. Manchester NH real estate site heps you in finding the right property t... 02/05/2010

A slice of life in New Hampshire, brought to you by your Southern New Hampshire Realtor, Rudy Mayer. Our New England winters can be beautiful and snowy, and there's no better way to enjoy it than to pop into McIntyre's Ski Area. Tucked away in a North Manchester neighborhood, there is something here for everyone. Ski as a family, or bring your kids to meet their friends. Spend the day, or come and ski under the night lights. With a slate of skiing and snowboarding programs and services, it's the perfect place to relax, have fun or even learn how to ski for the first time! Since opening its slopes in 1971, McIntyre’s hallmark has been its family-friendly, stress-free and safe environment. McIntyre's Ski area offers ski and snowboard lessons for all ages and levels. Whether you're hittin... 01/03/2010

Credit Repair in New Hampshire National Credit Fixers: 330 Roberts Street Suite 402 East Hartford CT 06108 phone: 860-282-6181. National Credit Fixers boasts of 13 years experience repairing low FICO scores. Whether your credit has been damaged by a foreclosure, bankruptcy, slow credit, collections, judgments, repossessions, etc. we can help. We are the experts in credit restoration and credit repair. We have helped numerous residents of New Hampshire. We are experts in New Hampshire Credit Repair.  How do you pick a credit repair firm?  Interview them!  Please give me a try - I have been doing credit repair in for 13 years!  I will do a good job for you at a very reasonable price.  Call me and come in for a free consultation.  We can sit down and go over your credit report and determin... 12/03/2009

Manchester, New Hampshire Condominiums Activity  Third quarter market activity of condominiums sold comparing three year selling price trends, units sold and days on market.  Pricing trend continues to decline with a 13% drop from 2008. Units sold declined 10% from 79 in 2008 to 70 in 2009.  In comparing to single family sales, which increased, the condominium market remains soft.     Visit Hillsborough County market reports for comparisons.  Go to Hillsborough County market reports for other towns and cities.  Other resources for Manchester can be found at Manchester Foreclosures.  Go to Manchester NH Market Report YTD for Jan-September activity. Visit Virtual Homes Real Estate for all your real estate needs. 10/08/2009

Get a Free List of Websites of Government and Bank Foreclosure Listings in Manchester, NH There are a number of websites that contain free listings of government and bank foreclosed homes in Manchester, NH. These websites contain descriptions, color photos, and addresses of the foreclosed homes for sale in Manchester, NH. And, most of these websites have government and bank foreclosure listings nationwide. There's no charge to search the foreclosure listings on any of these websites, and there's no 7-day free trial period either. Virtually all of these websites do not require any personal information to get access to the government and bank foreclosure listings. You can access these foreclosure listings anytime you want and as often as you want - free of charge!  Click here to get your ... 09/30/2009

FHA, VA, and USDA Rural Development Loans in Manchester, NH Are you looking for a home mortgage loan in the Manchester, NH area? Then you've come to the right place! Northeast Community Mortgage is a mortgage broker serving Manchester, NH, and many of the surrounding areas. When you decide to buy a home or refinance a mortgage in Manchester, NH or in the surrounding area, your search for a home mortgage loan should start and end here.  With so many lenders to choose from in the greater Manchester area, you should choose one you can trust to find the mortgage loan that will best meet your needs. As a mortgage broker, we help our clients obtain a loan from the lender who has the terms that best matches their needs. In terms of mortgage programs, we specialize in FHA, VA, and USDA Rural De... 09/30/2009

The Mortgage Interest Rate Lock Advisory for Manchester NH for September 30, 2009 Here are some of the events affecting mortgage interest rates today in Manchester, New Hampshire. What the Mortgage Backed Securities Market is Doing Today: The price of the FNMA 30-Year 4.5% MBS coupon opened down 2/32 at 101.28. The price of the FNMA 30-Year 4.5% MBS coupon closed up 1/32 yesterday at 101.34 (as shown by the white line). MBS is currently trading down 3/32 at 101.25 (as shown by the blue line). Remember, on mortgage backed securities (MBSs), as the price goes down, the yield goes up - and so do mortgage interest rates. I expect that mortgage interest rates will be about 0.125% worse in price this morning as compared to yesterday. Economic Reports, News, and Events Affecting Mortgage Inter... 09/30/2009

Manchester New Hampshire Condominium Market Report Overall market conditions continue to show a declining market in residential units sold during the month of August. Condominium average sales prices spiked from $164,048 to $176,774.  This is an unusual statistic for current market conditions showing a declining market.  This aberration may be due to the fact that there were only 14 units sold and they were not at the entry level.  Consumers can now consider affordable homes as a NH first-time home buyer as the median sales price for a condominiums is 73% of the median sales price of single family homes.  Financing continues to be a barrier for many condominium sales as there are more options for single family homes. Visit Manchester Real Estate for Sale and NH MLS to obtain information... 09/18/2009

Manchester New Hampshire Real Estate and Homes for Sale -  Affordable Homes Time is running out for first-time home buyers looking to take advantage of the $8000 tax credit.  To take advantage of this opportunity and meet the deadline, you must take three critical steps. Credit approval - obtain a written credit pre-approval from a reputable lender so that you know the price range of homes you qualify for. Evaluate the market - take advantage of working with a Buyer's agent who will represent your interests in the transaction. Negotiate aggressively - you are competing with a number of other buyers so you must make aggressive offers to insure you get the property you want.  Be careful in negotiating the closing date as November 20 is the real deadline for the $8000 tax credit. Visit Man... 09/12/2009

Long-term fixed mortgage rates rose slightly over the past week while rates on adjustable-rate mortgages (ARMs) were little changed. Last week's release of July’s employment report showed a slight improvement in the declining labor market. The unemployment rate ticked down to 9.4 percent in July, representing the first monthly decline since April 2008. Approximately 247,000 jobs were lost, fewer than the market consensus and the smallest loss since August 2008. Declines in some local housing markets may be nearing an end as well. Median existing home prices rose among 17 of the major metropolitan areas in the second quarter from the same period last year, up from gains in only 12 of the areas during the first quarter, according to the National Association of Realtors®. This represents t... 08/16/2009

Webb Dickson provides more than just good service; he educates his customers on proper dryer vent and exhaust maintenance to prevent fires and save money on utility bills    Manchester, NH--Clothes dryers are a wonderful convenience, but they do require maintenance to assure safety in homes.  The National Fire Prevention Administration reports over 15,000 fires annually, costing millions of dollars, many injuries and loss of lives.  Consumers in New Hampshire appreciate Webb Dickson, owner of Dryer Vent Wizard serving Hampshire and Massachusetts.   In addition to dryer vent cleaning and dryer exhaust service, Dryer Vent Wizard technicians explain proper maintenance and installation to their customers.  They recommend dryer vents to be as short as possible and contain few bends and turn ... 06/15/2009

First -Time Home Buyer Guide for Manchester, New Hampshire Real Estate Buying a home may be the most important investment an individual or family makes in their lifetime.  It is important to understand the process and to be aware of the industry professionals who can assist you.  The two primary advisers will be Realtors and mortgage lenders.  You must understand how much you can afford and what your budget will allow.  If you are a first-time home buyer, you may qualify for a tax credit ($8000 in 2009) and could be eligible for special financing programs. Mortgage Financing Most home buyers borrow the money to purchase property by obtaining a mortgage through a lender.  The lender may be a bank, mortgage banker, credit union or a private investor.  The most common types of loans are co... 06/07/2009