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Hudson : Real Estate Advice

  • All21
  • Local Info1
  • Home Buying6
  • Home Selling2
  • Market Conditions0

Activity 18
Fri Aug 25, 2017
Tom Parent asked:
Tue Jul 4, 2017
Housecom1234 asked:
I live in Burlington, MA. I'm looking for a new house to buy. I can afford up to 500K. Below are my requirements.

New construction (2015-2017)
4 bed 2.5 bath.
Low crime rates
Good…
0 votes 0 Answers Share Flag
Fri Nov 4, 2016
Angelica P answered:
Hello,

We didn't get enough information about your problem to resolve the issue. Please provide us with complete property address and we will be happy to assist you.

For future reference, you can feel free to contact us about this type of inquiry through our contact form here:

http://www.trulia.com/help/ask/


Thank you for using Trulia!

Angelica
Consumer Care Advocate
... more
0 votes 1 answer Share Flag
Tue Oct 4, 2016
Scott Godzyk answered:
In 30 years in real estate in NH I have never heard of a "mortgage to move." Most often a buyer is pre-qualified, which means rough credit is pulled and buyers states their income and debt. but it is not verified. The next step is pre-approved where the lender confirms and verifies your financial info. Then you find a home and just need an appraisal to purchase. The pre approval letter should always be accompanied with your offer. When a home goes under contract, not all sellers will take a back up offer, it depends on what is contingent from that buyer. ... more
0 votes 2 answers Share Flag
Thu Jul 21, 2016
Maricris A answered:
Hello,

To post your home for sale by owner on Trulia, click the link below and select “Submit listings for sale.”

http://www.trulia.com/submit_listings/

You will be redirected to our partner site, Zillow. Once you’re on Zillow’s posting page, please make sure to select “For Sale by Owner” under the address field. Once you activate your listing on Zillow, it will appear on Trulia within 24 hours.

For future reference, you can feel free to contact us about this type of inquiry through our contact form here:

http://www.trulia.com/help/ask/


Regards,

Maricris
Consumer Care Advocate
... more
0 votes 1 answer Share Flag
Mon Dec 1, 2014
Dan Tabit answered:
Camila,
Rental scams are common here and on any site that allows the general public to post. Please be very cautious with deals that seem too good to be true. NEVER send money expecting keys back by mail. Read the scam warning Trulia posts. I've attached a link to it below.
When you find a questionable listing please hit the FLAG button on the listing page to warn Trulia and others.
... more
0 votes 2 answers Share Flag
Tue Jul 8, 2014
Bill Eckler answered:
2009 but still relevant......

I for one would consider a couple of factors before commiting to a major cellar conversion...and I would consider $5,000 for a bath a big investment.


In my opinion, whether or not there are windows in the basement, and outside access, or a secondary means of egress should always be considered prior to using a basement for anything other than what it was designed.

Hope people find this helpful.

Bill
... more
0 votes 7 answers Share Flag
Tue Jul 8, 2014
Murphy Team answered:
HOA fees are typically monthly and what they cover should be explained in a Condominium Addendum. The usual coverage is water/sewer, Master Insurance for the building(s), exterior and interior maintenance of the common areas. Some condo fees include heat and hot water. These fees handle the day-to-day operation of the association PLUS they should add to the Capital Reserve fund each month. ... more
0 votes 4 answers Share Flag
Tue May 28, 2013
answered:
Hi Brandoda,

You can do this one of 2 ways.

1) Pay down the balance of your current FHA mortgage prior to the refinance so when the new lender pulls your pay off for the new mortgage, it shows a lower balance.

2) Borrow the money from your parents & fully disclose the terms on repayment to the credit union & bring the money to closing.
... more
0 votes 3 answers Share Flag
Sun Dec 9, 2012
bamnj answered:
I live in a detached condo. Its a 2 story townhouse, but it's basically freestanding, and I only share a garage wall with my neighbors garage wall. The roof is not contiguous. It's nice. ... more
0 votes 6 answers Share Flag
Thu Nov 15, 2012
Virginia Kazlouskas (Gregory) answered:
You can list it directly through Trulia by clicking on the Rental section and adding it but you probably have to sign up for Trulia first though. I would be happy to assist you with listing a rental property if you find doing it on your own is hard. I would list the rental on several internet sites, the MLS and in paper ads. I screen all the client calls and check their references, jobs and credit to make sure that they would be a good tenant. Let me know if you have further questions.

Virginia Gregory
Harmony Real Estate, Inc
2 Winnhaven Drive
Hudson NH 03051
(603) 883-8840 X12 Office
(603) 620-3428 Cell
... more
0 votes 2 answers Share Flag
Tue Nov 6, 2012
Scott Godzyk answered:
There is not a set discount a bank will take. It depends on how long the home has been on the market and what the condition is. Each bank has their own terms what they will consider and what they dont. The best bet is to assess what a property is worth in todays market and then make a realistic offer. I must note that banks do not just look at price. They will look at terms such as cash or if you are getting a mortgage, what type of mortgage, how long you put to close and any contingincies you add such as inspections. A lower price offer without any contingincies is better than a higher priced offer loaded with them. Have a good agent to assist you is a must. If you need assistance in buying please feel free to contact me. ... more
0 votes 6 answers Share Flag
Mon Nov 5, 2012
Virginia Kazlouskas (Gregory) answered:
Typically it takes two years to buy a home with financing after going through a short sale. I haven't heard of a company willing to do it before then. If the seller is willing to work with you to draw up a lease-to-own contract then you should be able to move forward in a year if your scores are in the 700's. Feel free to call me with any questions.

Virginia Gregory
Harmony Real Estate, Inc
2 Winnhaven Drive
Hudson NH 03051
(603) 620-3428 Cell
(603) 883-8840 X12 Office
... more
0 votes 2 answers Share Flag
Mon Apr 2, 2012
Virginia Kazlouskas (Gregory) answered:
There should be documentation on file with the registry of deeds and may be referenced in your deed. Typically it is an agreement with the other half of the condex. You need this documentation in case there are disputes about what each owner is responsible for, such as roof siding, well, septic or other maintenance. As mortgage restrictions have changed you may also need it if you sell the property. ... more
0 votes 2 answers Share Flag
Tue Jan 24, 2012
Cheryl Cummings answered:
Hi there, Laddie. I know this may sound very bold, but seeing as there is no land publicly being sold in that particular area, you could find out for yourself who owns what and contact them personally.
There is an old saying that everything is for sale, for the right price.
You can certainly check out http://hudsonnh.patriotproperties.com/default.asp and find which address it is you like, contact the owner directly. They may have no idea that someone would be interested in purchasing a small amount of their land. They may say no and hang up. You really just never know, until you find out!
That is a very nice part of town, good luck to you!

Cheryl Cummings
Prudential Verani
Nashua, NH
603-521-4275
... more
0 votes 5 answers Share Flag
Thu Dec 29, 2011
Scott McCauley answered:
80/20's are very hard to come by these days. Sounds like a FHA 203K Loan might be something good to check into. It is also called a Renovation Loan. But don't let that term scare you! The renovation portion can be almost anything- from new windows or kitchen appliances, to additions or even a complete renovation from the foundation up. From a few thousand to many thousands and then some!

It's a great product where it takes into account what the value of your home will be AFTER the work has been completed. So in this case you would refinance what you owe, plus the costs to do the renovations, and that would be compared to what the value of your home would be after the work. Often times, you are creating equity that you did not have before.

Not every lender does these, and many do them poorly! My company has a deicated 203K division that makes borrowers(and other parties involved) very comfortable with the transaction and process. Please feel free to contact me for more info.

Regards,
Scott McCauley
... more
0 votes 5 answers Share Flag
Mon Mar 30, 2009
Scott Godzyk answered:
Richard on average home prices have fallen 24%. There are alot of variables though, some towns, neighbrohoods and styles have been more or less affected. The biggest variable is condition of the home including roof, windows, furnace, electric, well or septic and interior. If you are thinking of selling and need a Broker Price Oppinion please let me know. If you are just checking for averages you should also browse the MLS listings on my or other sites to see what neighboring houses are now listed at. ... more
0 votes 1 answer Share Flag
Wed Feb 11, 2009
Dane Hahn answered:
Hi Richard,

To absolutely certain of your assessed value, call the town hall and ask the tax assessor. Values are determined each year on April 1st in New Hampshire.

The assessed value is not usually anything like the appraised value, these days the assessed value will likely be more than the house is worth. It's a figure that may be wrong, but that's OK so long as everyone else's value is wrong by the same percentage too--because it's what you pay taxes on. You see if everyone's value is off by say, 11% then you are still paying your fair share of taxes relative to the other residents in the town.

If you feel your assessment is hugely wrong and you can find other similar homes whose assessment is lower than yours, you can apply for an abatement, and hope that the Assessor will agree with you and lower the figure, resulting in a lowering of your taxes due.

Good Luck,

Dane Hahn
... more
0 votes 3 answers Share Flag
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