pOK. You have created the decision. Yoursquo;re able to purchase a property. nbsp;Great! nbsp;Yoursquo;ve got that dream home pictured inside your head. nbsp;Now all you need to do is find a Realtor, make your provide and move in. nbsp;Right? nbsp;Wrong./p
pYour first step ought to be to locate a trustworthy mortgage expert. Why start using a mortgage skilled? nbsp;Inside a nutshell, this could save cash, time and boost your bargaining power./p
pYour mortgage broker is going to be capable to let you know first in case you can qualify to buy a house at all. nbsp;Second, in case you are in the running for acquiring, she or he can let you know just how much home youll be able to qualify for. nbsp;Think of it. nbsp;Do you as well as your Realtor want to run about for a month or two worth of weekends, finally uncover your dream home, just to find out that you can not afford it?! nbsp;Thatrsquo;s a whole lot of time, and time is funds (or a minimum of a great deal of wasted weekends). nbsp;Wouldnrsquo;t it be far better up front to know what you are able to and cannot buy, zero in on that, and accomplish that superb feeling of success? nbsp;Naturally./p
pNicely, you might have currently believed of all that. nbsp;Even so, did you understand that the seller of ones dream residence could offer you preferential remedy if you are pre-approved? nbsp;The seller features a life and time lines just like the rest of us. nbsp;They want offers which are going to operate. nbsp;They donrsquo;t want their residence beneath contract, simply to possess the deal fall by way of since the buyer can not qualify! nbsp;So, letrsquo;s say you make a bid on a home and another celebration tends to make a bid at the same time for precisely the same amount. nbsp;The other bidder is pre-approved, you are not. nbsp;Which bid must they accept? nbsp;Clear. nbsp;One more scenario, letrsquo;s say you (not pre-approved) make a bid and one more bidder bids slighter reduced but is pre-approved. nbsp;Which bid would you accept?/p
pAnd one last matter to cover, there are different levels of pre-approvals. nbsp;The lowest level may well be known as pre-qualification and this requires the mortgage expert taking your details (revenue, expenditures, and so forth.), putting it all collectively and letting you understand just how much property you can qualify for depending on the numbers you provide. nbsp;Another degree of pre-approval is for the mortgage professional to run the loan via automated underwriting (obtaining far more technical, here) to obtain an approval offered that all of your information may be verified. nbsp;The highest level would be operating the loan by means of a lender and actually performing each of the verifications. nbsp;Naturally, the higher level of pre-approval offers you a lot more to stand on and carries essentially the most weight when bidding on a home. nbsp;In any case, your mortgage specialist need to provide you with a letter stating on what level youre pre-approved./p
pHopefully by now the picture is clear, call that mortgage specialist Just before beginning your home search. nbsp;And maybe, just perhaps, the process may even be entertaining./p
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pAs reported by the Environmental Protection Agency (EPA), radon is liable for over 20,000 lung cancer fatalities every year. Pretty much one from every 15 houses in the United States is assumed to contain increased levels of radon, and to be able to determine if your house is susceptible is to get a a title=home inspection href=http://champia.com/?page_id=31 target=_blankhome inspection/a./p
pWhat is Radon?/p
pRadon is a cancer causing gas that would be unseen to the naked eye. The Surgeon General has pointed out that after smoking, radon is considered the second leading cause for deathin the United States. Radon cango into your home and harm the air you breathe by a breakdown of radioactive rocks, earth and water. Testing will be the only way to know if your home is in danger, and a home inspector is able to do a few diagnostics to ascertain the outcome./p
pHouse Sales and Radon/p
pSellers, buyers and renters are all worried about radon levels, yet only a few have enough time to handle the problems. Seeing that real estate deals are going on rapidly in todayrsquo;s market, you may ready your home right now and hire a home inspector to perform the a title=radon testing href=http://champia.com/?page_id=1227 target=_blankradon testing/a. When the buyer or tenant questions whether or not the house is a radon hazard, you have the expert test final results handy. When a dilemma occurs, you now have time and energy to resolve the problem ahead of the sale of your dwelling. A good number ofdwellings getting constructed today are structured to stop radon from oozing in. If yoursquo;re buying or constructing a new home, you could ask the builder if theproperty contains radon resisting features./p
pHow You Can Test For Radon/p
pA a title=property inspection href=http://champia.com/?page_id=216 target=_blankproperty inspection/a performed by a licensed radon home inspector can test for radon utilizing a certified radon measurement device. Testing typically takes at a minimum 48 hours to finish. With the exception of entering and getting out of a home, your windows and doors must be shut for around 12 hours prior to and during the entire test. The radon devices are sent back without delay to the laboratory where they will submit a report and alert you of any substantial levels of radon. When your property has substantial amounts of radon, you can buy an inexpensive radon reduction system. These systems are already proven to lessen radon levels by up to 98 percent. After your home has actually been attended to, you should have another home inspection to make certain that the radon levels have been decreased properly. Itrsquo;s additionally a smart idea to test your property every two years to make sure that your home continues to be at a normal level./p
We're sorry, but we couldn't find MLS # 4196411 in our database. This property may be a new listing or possibly taken off the market. Please check back again.
QUICK LOAN MATH: $146K loan at 3.5% for 30 yrs. = $656/month + $400/month est. taxes and insurance + $142/month condo fee = $1198/month for a $2300sf townhouse with plowing and trash fees included!!
Bank Owned Cranmore Birches 3 Bedroom + condo in good condition. Deck and 2 balconies. Attached Garage. 1/4 mi. to Cranmore Mtn Resort. Townhouse style condo at Bank Owned prices!!
Call Me, Bill Barbin at 603-986-0385. I am the listing agent and will do my best to help you get this property. Work with any other agent and you will not get my help.
Address: G1 Cranmore Birches II
City: North Conway
Square Feet: 2300
Basement (full, 1/2, finished, unfinished): Full, Finshed, Walk out
This is a little bit more of a personal post. I recently worked with some buyers on the purchase of a vacation property here in North Conway NH and they were eager to ask for advice for service providers in the area. I consider this to be an important part of the services I offer as a real estate professional. The long distance link between the homeowner and the service providers is extremely important for peace of mind and trust in getting an emergency repairs done. Unfortunately, in this case, the buyers didn’t take my advice and shopped by price alone.
To me, this is like being told that you shouldn’t drink from the well out back because it is tainted but you can walk down to the stream to get fresh water. However, you still choose to drink from the tainted well because it is closer.
The case in point is about a heating fuel and system service provider. I am not going to name the company that I think did the wrong thing here but I will point out that I recommended the provider I use: White Mountain Oil and Propane in North Conway. I figure, what better testimony than to say “I live here and can pick from any provider AND I hear plenty of stories from other consumers AND, therefore, I choose to work with White Mountain Oil and Propane for my own home.”
Unfortunately these buyers didn’t take that advice. They had oil delivered into a nearly empty tank by the un-named provider and the tank should not have passed a safety inspection. It turns out the tank has a bit of a leak from corrosion. The previous owner had moved out of the home months before, during the summer, and there was so little oil (and therefore very little weight of fuel) in the tank that he didn’t notice any leaking. For the same reason, I assume, the home inspector didn’t notice anything wrong with the tank. It looked fine. But once the oil was added the weight of it caused a steady drip.
Of course, the buyers turned to me for some help. I called THEIR fuel provider and was told that a trip out to look at the tank would be $89 for the 1 hr. min. labor. This was just to figure out how the tank problem escaped their safety inspection. I told them to hold off and I called White Mountain Oil and Propane. They sent someone out the same day and I got a call a few hours later explaining the problem and the fact that the tank would not have had fuel added if they had inspected it. I got a quote for the repair work within 24 hours.
The point I really want to make here is this: Why ask for advice if you already think you know better? If you live many hours away from your vacation property and someone gives you pointed and experienced advice about your need for a reliable service provider, why would you try to save a few pennies per gallon? If you call for help from many many miles away wouldn’t you want to know that you can depend on the heating service provider and trust that they will work hard to keep your business?
The bottom line is that White Mountain Oil and Propane has gone above and beyond exceptional AGAIN. I know who I will continue to recommend to my clients and customers. Need their #: 603-356-6386 White Mountain Oil and Propane
Posted: 18 Jul 2012 04:00 AM PDT
As a real estate professional, it’s important to understand, and remind yourself, that homeownership really is the American Dream and your job is be the guardian and guide to make that dream a reality. This is especially important in a market where some people may be misinformed about the benefits and possibilities of buying a home.
The good news is 96% of homeowners see homeownership as a positive experience and 88% of renters aspire to own a home. This is true in the United States more than any other country. Owning a part of our country has always been the American Dream and as an agent you are instrumental in this dream. It’s your job to help guide people to their ultimate goal of homeownership.
The first thing you must realize is that homeownership is NOT about the money. In fact, if we look at Fannie Mae’s quarterly National Home Survey, as far back as we can go, the top four reasons for buying a home are the same. The top four reasons people buy a home are:
- It means having a good place to raise children and provide them with a good education
- To have a physical structure where their family feels safe
- It allows for more space for their family
- It gives them control over what they do with their living space including renovations and updates.
Homeownership means something more to people and their families than just financial considerations. It’s up to you to be ready to communicate ALL the advantages to homeownership, not just the financial ones.
In tomorrow’s post, we will address more advantages of homeownership.