Kimberley Martin - Pelletier Realty Group



Posted by Kimberley Martin on 6/16/2019

The process of closing on a home can seem lengthy and complex if itís your first time buying or selling a house. There are several costs and fees required to close on a home, and while itís up to the individuals to decide who covers what costs, there are some conventions to follow.

In this article, weíre going to talk about closing costs for selling a house and signing on a mortgage. Weíll discuss who pays what, and whether there is room for negotiation within the various fees and expenses.

But first, letís talk a little bit about what closing costs are and what to expect when you start the process of buying or selling a home.

Closing costs, simplified

If youíre just now entering the real estate market, the good news is you can often estimate your closing costs based on the value of the property in question. You can ask your real estate agent relatively early on in the process for a ballpark figure of your costs.

Closing costs will vary depending on the circumstances of your sale and the area you live in. In some cases, closing costs can be bundled into your mortgage, such as in ďNo Closing Cost Mortgages.Ē However, avoiding having to deal with closing costs often comes at the expense of a slightly higher interest rate.

If you are planning to buy a house and have recently applied for a mortgage, laws require that your lender sends you an estimate of your closing costs within a few days of your application.

Now that we know how closing costs work, letís take a look at who plays what.

Buyer closing costs

In terms of the sheer number of closing costs, buyers tend to have the most to deal with. Fortunately, your real estate agent will help you navigate these costs and simplify the process.

They can range from two to five percent of the cost of the sale price of the home. However, be sure to check with your lender for the closest estimate of your closing costs. Itís a good idea to shop around for mortgage lenders based on interest rates as well as closing costs charged by the lender.

Here are some of the costs you might be asked to pay as a home buyer:

  • Appraisal fees

  • Attorney fees

  • Origination fees

  • Prepaid interest or discount points

  • Home inspection fee

  • Insurance and Escrow deposits

  • Recording fees

  • Underwriting fees

Seller Closing Costs

While the seller pays a larger amount of closing costs, sellers still have obligations at closing that can be just as expensive. The biggest expense for sellers is to pay the real estate commission. Commission usually falls in the vicinity of 6% of the sale price of the home. This covers the commission of both the sellerís and the buyerís real estate agents. 


The main takeaway? Buyers and sellers both share the burden of closing costs. While the buyer has more expenses to take care of, the seller pays for the largest costs.





Posted by Kimberley Martin on 6/12/2019


144 Oak Hill Road, Weare, NH 03281

Single-Family

$340,000
Price

3
Bedrooms
8
Rooms
2
Baths
Attention Antique Home Lovers...This 200+ year old post and beam is just waiting for your final touches, big hugs and some TLC! Beams were hand-hewed in the early 1800 from primeval forests. The center bents are constructed of 30 foot hand-hewed 12 by 12 beams fully exposed. Some of the boards that make up the downstairs ceilings are nearly 30 inches wide pine and irreplaceable in today lumber industry. The floors throughout the house are wide pine boards all original except for the kitchen and great room which were updated/built in 1993. NH historians suggest that the trees that build this house escaped the 1700 clear-cut timber that went to support Englands ship yards. The open concept kitchen/ living area is perfect for entertaining. Stroll outside with your coffee to the peaceful backyard, or grab a comfy seat in the family room next to the floor to ceiling field stone fireplace...did I mention this room has radiant floor heat! This home has all the charm expected from an Antique Colonial. Come take a look
Open House
Saturday
June 15 at 11:00 AM to 1:00 PM
Cannot make the Open Houses?
Location: 144 Oak Hill Road, Weare, NH 03281    Get Directions






Tags: Weare   Real Estate   Single-Family   03281  
Categories: New Homes  


Posted by Kimberley Martin on 6/12/2019


144 Oak Hill Road, Weare, NH 03281

Single-Family

$340,000
Price

3
Bedrooms
8
Rooms
2
Baths
Attention Antique Home Lovers...This 200+ year old post and beam is just waiting for your final touches, big hugs and some TLC! Beams were hand-hewed in the early 1800 from primeval forests. The center bents are constructed of 30 foot hand-hewed 12 by 12 beams fully exposed. Some of the boards that make up the downstairs ceilings are nearly 30 inches wide pine and irreplaceable in today lumber industry. The floors throughout the house are wide pine boards all original except for the kitchen and great room which were updated/built in 1993. NH historians suggest that the trees that build this house escaped the 1700 clear-cut timber that went to support Englands ship yards. The open concept kitchen/ living area is perfect for entertaining. Stroll outside with your coffee to the peaceful backyard, or grab a comfy seat in the family room next to the floor to ceiling field stone fireplace...did I mention this room has radiant floor heat! This home has all the charm expected from an Antique Colonial. Come take a look
Open House
Saturday
June 15 at 11:00 AM to 1:00 PM
Cannot make the Open Houses?
Location: 144 Oak Hill Road, Weare, NH 03281    Get Directions






Categories: Open House  


Posted by Kimberley Martin on 6/9/2019

In many ways, the quality of your life is determined by the condition of your home. If it feels like your home is in disrepair, messy, or cluttered, you're not going to feel comfortable or satisfied with your living situation. While perfection is an unattainable standard, there are a lot of simple things you can do to keep your home in good condition and prevent problems.

Train Your dog. Although many people own dogs and consider them to be a cherished part of the family, not everyone takes the time to properly housebreak, exercise, and train their pets. Dogs are very eager to please, but they need clear guidelines to understand what you expect of them. Some dogs also tend to express frustration or restlessness in destructive ways if they're not given enough attention, exercise, or toys/treats to chew on. It's not uncommon for dogs to chew on furniture, shoes, or other valued possessions if their needs are not met. Ideally, people should research dog breeds before actually purchasing a household pet. That way you can know more about temperament, exercise requirements, and training potential before you bring a puppy into the family. In addition to helpful online videos on raising obedient dogs, pet supply stores periodically offer low-cost training classes for dogs and their owners. Effectively housebreaking your pet in the first few days and weeks of adopting them is a key aspect of a harmonious pet/owner relationship. Otherwise, your furniture, hardwood floors, and carpeting could be subject to irreparable damage!

Use Furniture Sliders: Hardwood floors can be a mixed blessing. On one hand, they're a high-quality, nice-looking material that enhances the look and feel of your home. On the other hand, it can be difficult to prevent scratching, scuffing, and even gouging of those beautiful surfaces. One solution, which is easy on both your floors and your pocketbook, is to put felt or plastic furniture sliders under the legs of your tables, chairs, and ottomans. Not only can you prevent or reduce hardwood floor scratching that inevitably happens when furniture is dragged across a floor, but it also makes it easier to rearrange furniture.

Maintain Your Rain Gutters: Properly working rain gutters serve the useful purpose of channeling water away from your roof, eaves, and foundation. By making sure your gutters are not clogged up with leaves, branches, and other debris, you can help protect your home from water damage. If the downspout of your rain gutter empties water too close to your house, you can often correct that by purchasing and attaching an inexpensive extension. Routing water away from your foundation can help prevent basement leaks, cracking, and crumbling. It can also be part of a multi-faceted approach to preventing basement mold.

Control Clutter: Household clutter not only degrades the appearance of your home (for both you and your guests), but it's a known source of psychological stress. Taking the first step to reduce clutter is usually the most difficult part of the process, but once it's a habit, maintaining a clutter-free home becomes infinitely easier!





Posted by Kimberley Martin on 6/6/2019

This Single-Family in Milford, NH recently sold for $195,000. This Ranch style home was sold by Kimberley Martin - Pelletier Realty Group.


56 Valhalla Drive, Milford, NH 03055

Single-Family

$197,500
Price
$195,000
Sale Price

3
Bedrooms
7
Rooms
1
Baths
Ranch Style 3 Bedroom Home on a nice level lot, in a neighborhood setting and serviced by natural gas/public water/public sewer. Rear deck overlooks a mostly fenced in back yard. This location is in close proximity to town services. Sold in "AS IS CONDITION."






Categories: Sold Homes  




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