Picking up the phone book and letting it fall open to the real estate agency page is not the best way to find a great Southern New Hampshire real estate agent. Here are several other pitfalls to avoid when looking for a real estate agent:
• Impulse: Just because you walk into a busy, bright, and productive looking office doesn't mean all the agents who work there are also busy, bright and productive. Take the time to get to know the agents you’re considering working with. Interview them, like you would any other professional you hire, to determine their abilities and knowledge of the community in which you live.
• Easy Agreement: If you finally find an agent who instantly agrees with everything you have to say about the selling price of your home without question, beware. This is especially true if you've been to others who disagreed with your price. Consider why this one agent is so agreeable. As in any industry, there are people out there who will tell you anything you want to hear to get your business.
• Trusting Your Judgment: While you may very well be a great judge of character, make sure you get at least three references from all the Southern New Hampshire real estate agents you’re considering. Then, take the most crucial step and contact those references.
• Lowest Commission: Don't go with a real estate agent just because they have the lowest commission on the block. Remember the old adage "you get what you pay for."
These are just a few of the considerations when choosing a Southern New Hampshire real estate agent, but they will get you started on firm footing.
If you’re looking for a knowledgeable Southern New Hampshire real estate agent, I’d be honored if you’d interview me. To schedule an interview, call me today at 603-821-1134 or email me at Dave@DaveHeeter.com.
Wednesday, December 29, 2010
Tuesday, December 28, 2010
Understanding the Southern New Hampshire Real Estate Market for FSBOs
On first thought, selling your home by yourself seems to make perfect sense. It doesn't look all that hard, right? So you decide to sell your home the FSBO way (For Sale By Owner). You figure that you can put up a sign. Let people come to look at your house. Review all the offers you are sure to get and pick the best one and you're done. That's all there is to understanding the Southern New Hampshire real estate market—right?
Well, not quite. One of the most difficult things for a person trying to sell their own home to do is understand the Southern NH real estate market in order to price their home correctly. All of the above steps will stall without setting a price that will make you happy and get a buyer to sign on the dotted line.
The Price is Right
In some ways selling your home as a FSBO will seem a little like the television game show "The Price Is Right." Some buyers will walk around your home and have no idea what local values are, but they will still do their best to talk down your price.
Others that come to view your FSBO will have a very firm grasp on local real estate values and how your home stacks up against the competition.
In either case, you must know what comparable homes in your area are selling for so that you can argue your own case and know when you are being under bid.
Overpricing is Costly
The temptation to want more than true market value for your home is common but counterproductive to selling your home. It’ll sit on the market so long that people will begin to wonder what’s wrong with your home. Then, when you drop your price, you’ll appear desperate. Potential buyers will devalue your house in their own minds, which decreases the chance of you getting a fair market price for your home.
If you have questions about the current Southern New Hampshire real estate market, give me a call today at 603-821-1134 or email me at Dave@DaveHeeter.com.
Well, not quite. One of the most difficult things for a person trying to sell their own home to do is understand the Southern NH real estate market in order to price their home correctly. All of the above steps will stall without setting a price that will make you happy and get a buyer to sign on the dotted line.
The Price is Right
In some ways selling your home as a FSBO will seem a little like the television game show "The Price Is Right." Some buyers will walk around your home and have no idea what local values are, but they will still do their best to talk down your price.
Others that come to view your FSBO will have a very firm grasp on local real estate values and how your home stacks up against the competition.
In either case, you must know what comparable homes in your area are selling for so that you can argue your own case and know when you are being under bid.
Overpricing is Costly
The temptation to want more than true market value for your home is common but counterproductive to selling your home. It’ll sit on the market so long that people will begin to wonder what’s wrong with your home. Then, when you drop your price, you’ll appear desperate. Potential buyers will devalue your house in their own minds, which decreases the chance of you getting a fair market price for your home.
If you have questions about the current Southern New Hampshire real estate market, give me a call today at 603-821-1134 or email me at Dave@DaveHeeter.com.
Thursday, December 23, 2010
Rates versus Home Prices, plus - Vote for your Favorite Home!
Since we're rapidly approaching Christmas and most of you are probably too busy to read much in the way of real estate news, I'll keep this brief.
If you noticed the recent increase in mortgage rates, you may be wondering how it will affect home prices. Despite the obvious correlation that in order for monthly payments to remain the same, prices would need to be lower when there are higher interest rates, higher rates may not translate into lower home prices, since New Hampshire properties are already more affordable than they have been in a very long time. Check out this article on the mortgage rate increase from the Smart Money section of the Wall Street Journal published on December 17th that includes a chart on interest rates versus year over year % change in home prices (with and without adjusting for inflation).

And now, for something a bit lighter: Take a look at pictures of 8 luxury homes in Asia and pick your favorite!
Okay, now get back to wrapping presents and have a wonderful Holiday!
If you noticed the recent increase in mortgage rates, you may be wondering how it will affect home prices. Despite the obvious correlation that in order for monthly payments to remain the same, prices would need to be lower when there are higher interest rates, higher rates may not translate into lower home prices, since New Hampshire properties are already more affordable than they have been in a very long time. Check out this article on the mortgage rate increase from the Smart Money section of the Wall Street Journal published on December 17th that includes a chart on interest rates versus year over year % change in home prices (with and without adjusting for inflation).

And now, for something a bit lighter: Take a look at pictures of 8 luxury homes in Asia and pick your favorite!
Okay, now get back to wrapping presents and have a wonderful Holiday!
Wednesday, December 22, 2010
Projects that Don’t Add Value to Your Southern NH Home for Sale
There is no simple way to discover which home-improvement projects will yield the highest return when you’re ready to sell your home. There are many variables that come into play such as the state of the real estate market when you put your Southern New Hampshire home up for sale, how old your home is, and the style of your home. However, some improvements will definitely not be a wise use of your money immediately prior to selling your home.
Here are several costly projects to pass up if you want to get the biggest bang for your bucks:
Extravagant Landscaping
Buyers expect a well-maintained yard; they don't expect the home's value to increase because of it. Beautiful landscaping may encourage potential buyers to take a closer look at your Southern NH home for sale, but it most likely will not add to the selling price. If a buyer is unable or unwilling to put in the effort to maintain an elaborate garden, it becomes a negative feature rather than a positive one.
Swimming Pool
A swimming pool seems like fun to have, but can actually be more of a hassle than a pleasure. Many potential buyers consider swimming pools expensive and time consuming to maintain. Buyers may say no to an otherwise perfect house if it has a pool. Or, they may include in the contract a stipulation that the seller has to take down an above-ground pool or fill in an inground pool, at their own expense, before closing.
High-End Upgrades
Buyers don’t want to see the absolute cheapest renovations in a Southern NH home for sale, but they also don’t want to pay more for the highest-priced upgrades that they don’t need. Marble countertops in a kitchen and a built-in sauna in a bathroom are nice, but unless you have a high-end home in a high-end neighborhood, don’t expect to get your money back from these upgrades.
Don’t spend thousands of dollars on a home-improvement project that will not increase your home's value when it comes time to sell. Do spend money on projects that will make your home a wonderful place to live in now and that may increase the selling price when you’re ready to sell.
Are you ready to sell your home? I can help. Give me a call today at 603-821-1134 or email me at Dave@DaveHeeter.com.
Here are several costly projects to pass up if you want to get the biggest bang for your bucks:
Extravagant Landscaping
Buyers expect a well-maintained yard; they don't expect the home's value to increase because of it. Beautiful landscaping may encourage potential buyers to take a closer look at your Southern NH home for sale, but it most likely will not add to the selling price. If a buyer is unable or unwilling to put in the effort to maintain an elaborate garden, it becomes a negative feature rather than a positive one.
Swimming Pool
A swimming pool seems like fun to have, but can actually be more of a hassle than a pleasure. Many potential buyers consider swimming pools expensive and time consuming to maintain. Buyers may say no to an otherwise perfect house if it has a pool. Or, they may include in the contract a stipulation that the seller has to take down an above-ground pool or fill in an inground pool, at their own expense, before closing.
High-End Upgrades
Buyers don’t want to see the absolute cheapest renovations in a Southern NH home for sale, but they also don’t want to pay more for the highest-priced upgrades that they don’t need. Marble countertops in a kitchen and a built-in sauna in a bathroom are nice, but unless you have a high-end home in a high-end neighborhood, don’t expect to get your money back from these upgrades.
Don’t spend thousands of dollars on a home-improvement project that will not increase your home's value when it comes time to sell. Do spend money on projects that will make your home a wonderful place to live in now and that may increase the selling price when you’re ready to sell.
Are you ready to sell your home? I can help. Give me a call today at 603-821-1134 or email me at Dave@DaveHeeter.com.
Tuesday, December 21, 2010
10 Tips for Safely Decking the Halls of Southern NH Homes
At this time of year, we typically don’t think a lot about safety. We’re all too busy running around shopping and decorating our Southern New Hampshire homes.
Have a fun, merry and safe holiday this year by implementing these 10 safety tips:
1. Never use lighted candles on a Christmas tree, whether it’s an artificial or live tree.
2. Purchase artificial trees with a Fire Resistant label. This label doesn’t mean the tree can’t catch fire; it means the tree will resist burning and should extinguish quickly.
3. Check for freshness when purchasing a live tree. Needles that are hard to pull away from branches and that do not break when bent indicate a fresh tree. Sticky resin on the tree’s trunk is another sign that a tree is still fresh. Old trees can be fire hazards in Southern New Hampshire homes.
4. Chop a few inches off the trunk of your tree to expose the fresh wood. This allows for better water absorption and will help to keep your tree from drying out and becoming a fire hazard. Water your tree regularly.
5. Avoid sharp or easily breakable decorations and small, removable items that children can swallow. Eliminate decorations that look like food or candy. Children may try to eat them.
6. Limit the number of standard-size light sets plugged into one extension cord to three.
7. Turn off all Christmas tree lights before you go to bed or leave your home. The lights could short out and start a fire.
8. Don’t burn wrapping papers in your Southern New Hampshire home’s fireplace. A flash fire may result, as wrappings ignite suddenly and burn intensely.
9. Remove all greens, boughs, papers, and other decorations from around the fireplace before lighting a fire.
10. Check labels on lights you’re planning to use outside to be sure they’re certified for outdoor use.
I hope you and your family have a very Merry (and safe) Christmas!
Have a fun, merry and safe holiday this year by implementing these 10 safety tips:
1. Never use lighted candles on a Christmas tree, whether it’s an artificial or live tree.
2. Purchase artificial trees with a Fire Resistant label. This label doesn’t mean the tree can’t catch fire; it means the tree will resist burning and should extinguish quickly.
3. Check for freshness when purchasing a live tree. Needles that are hard to pull away from branches and that do not break when bent indicate a fresh tree. Sticky resin on the tree’s trunk is another sign that a tree is still fresh. Old trees can be fire hazards in Southern New Hampshire homes.
4. Chop a few inches off the trunk of your tree to expose the fresh wood. This allows for better water absorption and will help to keep your tree from drying out and becoming a fire hazard. Water your tree regularly.
5. Avoid sharp or easily breakable decorations and small, removable items that children can swallow. Eliminate decorations that look like food or candy. Children may try to eat them.
6. Limit the number of standard-size light sets plugged into one extension cord to three.
7. Turn off all Christmas tree lights before you go to bed or leave your home. The lights could short out and start a fire.
8. Don’t burn wrapping papers in your Southern New Hampshire home’s fireplace. A flash fire may result, as wrappings ignite suddenly and burn intensely.
9. Remove all greens, boughs, papers, and other decorations from around the fireplace before lighting a fire.
10. Check labels on lights you’re planning to use outside to be sure they’re certified for outdoor use.
I hope you and your family have a very Merry (and safe) Christmas!
Saturday, December 18, 2010
Are You Pre-Qualified, Pre-Approved or Approved for a Southern New Hampshire Real Estate Mortgage?
One of the more frustrating aspects of buying Southern NH real estate is qualifying for a mortgage that will allow you to buy the home of your dreams. Lenders use terms to describe your loan status that may be confusing.
For example, what is the difference between being pre-qualified, pre-approved or approved for a mortgage on your Southern New Hampshire real estate?
· Pre-Qualified – This just means that the lender may approve you for a loan if everything checks out. Pre-qualification is based solely on information you give the lender about your income and debts. This is no guarantee that you will get a loan. People do sometimes omit important details about their finances (whether accidentally or intentionally), so the lender won’t even be able to give you a possible loan amount at this point.
· Pre-Approved – Once your lender pulls your credit report, they can give you an idea of what kind of loan you may get. When you’re pre-approved, you still have no guarantee that you will get a loan, but you have a better idea of your price range. Sellers like working with people who are pre-approved because it shows that their credit has been verified, and they are more likely to qualify for a loan.
· Approved – When you are approved for a loan, your financial records have been verified, and the lender can say for sure how much they are willing to lend you for a particular home. You can be approved for a mortgage only after the lender has approved both you and the home. Once you have approval, you can move forward with the purchase. This is why a financing contingency is included in the standard Purchase and Sales agreement used in New Hampshire for writing contracts to buy and sell property.
For more information about the mortgage approval process for purchasing Southern New Hampshire real estate, call me today at 603-821-1134 or email me at Dave@DaveHeeter.com.
For example, what is the difference between being pre-qualified, pre-approved or approved for a mortgage on your Southern New Hampshire real estate?
· Pre-Qualified – This just means that the lender may approve you for a loan if everything checks out. Pre-qualification is based solely on information you give the lender about your income and debts. This is no guarantee that you will get a loan. People do sometimes omit important details about their finances (whether accidentally or intentionally), so the lender won’t even be able to give you a possible loan amount at this point.
· Pre-Approved – Once your lender pulls your credit report, they can give you an idea of what kind of loan you may get. When you’re pre-approved, you still have no guarantee that you will get a loan, but you have a better idea of your price range. Sellers like working with people who are pre-approved because it shows that their credit has been verified, and they are more likely to qualify for a loan.
· Approved – When you are approved for a loan, your financial records have been verified, and the lender can say for sure how much they are willing to lend you for a particular home. You can be approved for a mortgage only after the lender has approved both you and the home. Once you have approval, you can move forward with the purchase. This is why a financing contingency is included in the standard Purchase and Sales agreement used in New Hampshire for writing contracts to buy and sell property.
For more information about the mortgage approval process for purchasing Southern New Hampshire real estate, call me today at 603-821-1134 or email me at Dave@DaveHeeter.com.
Friday, December 17, 2010
4 Things to Know Before Putting Your Southern New Hampshire Home for Sale
The real estate industry is full of numbers and metrics that can influence your home for sale in Southern New Hampshire. Here are just a few you need to know before putting your house on the market:
1. Pricing – Is your home for sale in Southern NH worth more than you bought it for? Even now, it’s a possibility. Check the average sales prices for the homes in your area, neighborhood and street. You might be pleasantly surprised. Contact your local agent for the information.
2. DOM – Days on Market is the time period a home sits on the market before going under contract. Currently, the average days on market in almost any area are rather high, but the actual metric tends to change depending on the price of your home. If you’re faced with a timeline and have a set goal for the sale, the average days on market for your area is a number you need to know. Again, you can ask your local real estate agent.
3. List Pricing – The average list price tells you how much your competition is asking for. If you’re trying to sell your house way above the average list price, it probably won’t leave the market.
4. Competition – How much competition do you really have? How many “For Sale” signs are up? The higher the inventory, the lower your chances of selling the home quickly.
Of all the numbers to know, these are at the top. The best way to sell your home for sale in Southern New Hampshire is to do the research – and then hire a proven real estate agent (or, even easier, have your agent do the research for you)!
If you want to sell your home and need current information, I can help. Call me now at 603-821-1134 or email me at Dave@DaveHeeter.com for more information.
1. Pricing – Is your home for sale in Southern NH worth more than you bought it for? Even now, it’s a possibility. Check the average sales prices for the homes in your area, neighborhood and street. You might be pleasantly surprised. Contact your local agent for the information.
2. DOM – Days on Market is the time period a home sits on the market before going under contract. Currently, the average days on market in almost any area are rather high, but the actual metric tends to change depending on the price of your home. If you’re faced with a timeline and have a set goal for the sale, the average days on market for your area is a number you need to know. Again, you can ask your local real estate agent.
3. List Pricing – The average list price tells you how much your competition is asking for. If you’re trying to sell your house way above the average list price, it probably won’t leave the market.
4. Competition – How much competition do you really have? How many “For Sale” signs are up? The higher the inventory, the lower your chances of selling the home quickly.
Of all the numbers to know, these are at the top. The best way to sell your home for sale in Southern New Hampshire is to do the research – and then hire a proven real estate agent (or, even easier, have your agent do the research for you)!
If you want to sell your home and need current information, I can help. Call me now at 603-821-1134 or email me at Dave@DaveHeeter.com for more information.
Wednesday, December 15, 2010
8 Low-Cost Decorating Tips to Make a Small Room in Your Southern NH Home Seem Bigger
Do you have a small room in your Southern New Hampshire home that you’d like to make larger, but you don’t have the money in your budget to tear down a wall or add on to the room? By using a bit of creativity, you can make that tiny room look larger without breaking the bank.
Here are 8 low-cost decorating tips to make any room in your Southern NH home look bigger:
1. Leave open space. Place taller pieces of furniture along a wall rather than out in the open space. To prevent blocking the view into a room, use shorter pieces of furniture like an ottoman or a low table. The more open space you can see, the larger the room will look.
2. Brighten the room. A well-lit room looks larger, whether it’s brightened with natural or artificial light. Remove heavy, dark draperies to let the natural light into the room. Install track lighting or recessed spot lighting, which is perfect for a small space.
3. Lighten up the floor and ceiling. Open up the room by using a white or very light color on the ceiling. Use light-colored flooring such as light oak or a light-colored carpet to make the room appear bigger.
4. Reduce the amount of furniture. This goes back to leaving open space. Keep only those pieces of furniture that you really love or really need in the room. Get rid of everything else.
5. Switch to glass. Using a glass-topped dining table, end table or coffee table gives the appearance of an open space, even though there isn’t.
6. De-clutter. Too much stuff makes even a large room seem small. Organize anything you must keep.
7. Choose light colors. Light, cool colors like pale blue and light green can make the smallest space feel open and airy.
8. Use a monochromatic scheme. Take those light colors one step further by using colors all in the same family. When you look around a room that has the same color scheme for the furniture, flooring and walls, you believe there’s more space than there really is. Contrasting colors break up a space. Furniture is less interrupting and blends with the space if its color matches the wall.
Want a Southern New Hampshire home with large rooms? I can help. Give me a call today at 603-821-1134 or email me at Dave@DaveHeeter.com.
Here are 8 low-cost decorating tips to make any room in your Southern NH home look bigger:
1. Leave open space. Place taller pieces of furniture along a wall rather than out in the open space. To prevent blocking the view into a room, use shorter pieces of furniture like an ottoman or a low table. The more open space you can see, the larger the room will look.
2. Brighten the room. A well-lit room looks larger, whether it’s brightened with natural or artificial light. Remove heavy, dark draperies to let the natural light into the room. Install track lighting or recessed spot lighting, which is perfect for a small space.
3. Lighten up the floor and ceiling. Open up the room by using a white or very light color on the ceiling. Use light-colored flooring such as light oak or a light-colored carpet to make the room appear bigger.
4. Reduce the amount of furniture. This goes back to leaving open space. Keep only those pieces of furniture that you really love or really need in the room. Get rid of everything else.
5. Switch to glass. Using a glass-topped dining table, end table or coffee table gives the appearance of an open space, even though there isn’t.
6. De-clutter. Too much stuff makes even a large room seem small. Organize anything you must keep.
7. Choose light colors. Light, cool colors like pale blue and light green can make the smallest space feel open and airy.
8. Use a monochromatic scheme. Take those light colors one step further by using colors all in the same family. When you look around a room that has the same color scheme for the furniture, flooring and walls, you believe there’s more space than there really is. Contrasting colors break up a space. Furniture is less interrupting and blends with the space if its color matches the wall.
Want a Southern New Hampshire home with large rooms? I can help. Give me a call today at 603-821-1134 or email me at Dave@DaveHeeter.com.
Tuesday, December 14, 2010
How to Interview Southern New Hampshire Real Estate Agents
Choosing a professional real estate agent can be a very imposing task. This person is responsible for finding your new home or selling your home, guiding you through the home inspection process and negotiating a good price and terms. These are important tasks that should be taken seriously. That’s why finding a skilled real estate agent is key to a successful real estate transaction.
If you can't get a strong recommendation for an agent from a trusted friend, here are several tips for interviewing Southern New Hampshire real estate agents:
• Interview at least three agents. Even if you love the first or second agent you interview, promise yourself you’ll interview all three. You learn more from each interview, and you never know when that third agent is going to be the perfect match for you.
• Ask all three agents the same questions so you can compare their answers and ability to communicate. Write out your questions so you don’t forget any, and take notes during the interviews. You think you’ll remember what they say, but the specifics will begin to blur as you interview the second and third agent.
• Ask the Southern NH real estate agents how long they've been in business and how many homes they’ve helped people buy and sell during the last year. An agent with experience is a very valuable asset, but with the current fluctuations in real estate, an agent with recent experience is even more valuable. Also ask how long they've been helping people buy and sell homes in the area in which you want to live. You want a real estate agent who is an expert on that neighborhood.
• Get at least three references of past clients from each of the Southern New Hampshire real estate agents. Then follow up with those references. Ask a variety of questions such as:
o What was it like to work with the agent?
o Would you work with him or her again?
o What was your least favorite thing about working with the agent?
o What was the best thing about working with the agent?
If you’re looking for a professional real estate agent, I’d be honored to be interviewed for the job. Call me at 603-821-1134 or email me at Dave@DaveHeeter.com to schedule an interview.
If you can't get a strong recommendation for an agent from a trusted friend, here are several tips for interviewing Southern New Hampshire real estate agents:
• Interview at least three agents. Even if you love the first or second agent you interview, promise yourself you’ll interview all three. You learn more from each interview, and you never know when that third agent is going to be the perfect match for you.
• Ask all three agents the same questions so you can compare their answers and ability to communicate. Write out your questions so you don’t forget any, and take notes during the interviews. You think you’ll remember what they say, but the specifics will begin to blur as you interview the second and third agent.
• Ask the Southern NH real estate agents how long they've been in business and how many homes they’ve helped people buy and sell during the last year. An agent with experience is a very valuable asset, but with the current fluctuations in real estate, an agent with recent experience is even more valuable. Also ask how long they've been helping people buy and sell homes in the area in which you want to live. You want a real estate agent who is an expert on that neighborhood.
• Get at least three references of past clients from each of the Southern New Hampshire real estate agents. Then follow up with those references. Ask a variety of questions such as:
o What was it like to work with the agent?
o Would you work with him or her again?
o What was your least favorite thing about working with the agent?
o What was the best thing about working with the agent?
If you’re looking for a professional real estate agent, I’d be honored to be interviewed for the job. Call me at 603-821-1134 or email me at Dave@DaveHeeter.com to schedule an interview.
Saturday, December 11, 2010
Holiday Gifts for New Southern New Hampshire Home Owners
To find the perfect holiday gifts for new Southern New Hampshire home owners, consider gifts that will keep on giving efficiency, convenience and luxury for years to come. To help with your shopping, here’s my list of seven great holiday gifts for new Southern NH home owners:
1. Gift card to a local home store. This is the easiest gift to give, and often the most popular with home owners. It can help finance their bathroom remodel or purchase of a large item like a riding lawn mower or snowblower.
2. Fireproof safe or lockbox. A small fireproof safe is the perfect place to store important items such as mortgage papers, home owner’s insurance information and receipts for
home repairs.
3. Luxurious bath towels. You can never have too many big, thick bath towels. Consider getting them monogrammed if you want to do something a little extra special.
4. Green cleaning products. You can buy green cleaning products at just about any store. Or, you can make non-toxic cleaning products, put them in nice spray bottles and include the recipes so the home owners can make more when the bottles are empty.
5. Subscription to a home-related magazine. There are magazines about decorating, cooking, entertaining, and home repairs. Consider Family Handyman Magazine for those who want to learn the basics of home repair, Real Simple Magazine for those who love to organize, or Do It Yourself Magazine for, guess who, the do-it yourselfers.
6. Luxury showerhead. Give the gift of daily luxury with one of the spa-style showerheads. You can find showerheads that provide a wide variety of sensations from an energizing massage to a relaxing rain shower.
7. Your time. Create your own coupon offering a set number of hours of your time helping with home projects such as painting, mowing the lawn or, if you’re not handy, babysitting while the home owners work on a project.
If you’re a Southern New Hampshire home owner, you might want to give yourself one of these great gifts. If you don’t own a home, consider giving yourself the gift of home ownership. Call me today at 603-821-1134 or email me at Dave@DaveHeeter.com, and I’ll send you a list of homes for sale that meet your needs.
1. Gift card to a local home store. This is the easiest gift to give, and often the most popular with home owners. It can help finance their bathroom remodel or purchase of a large item like a riding lawn mower or snowblower.
2. Fireproof safe or lockbox. A small fireproof safe is the perfect place to store important items such as mortgage papers, home owner’s insurance information and receipts for
home repairs.
3. Luxurious bath towels. You can never have too many big, thick bath towels. Consider getting them monogrammed if you want to do something a little extra special.
4. Green cleaning products. You can buy green cleaning products at just about any store. Or, you can make non-toxic cleaning products, put them in nice spray bottles and include the recipes so the home owners can make more when the bottles are empty.
5. Subscription to a home-related magazine. There are magazines about decorating, cooking, entertaining, and home repairs. Consider Family Handyman Magazine for those who want to learn the basics of home repair, Real Simple Magazine for those who love to organize, or Do It Yourself Magazine for, guess who, the do-it yourselfers.
6. Luxury showerhead. Give the gift of daily luxury with one of the spa-style showerheads. You can find showerheads that provide a wide variety of sensations from an energizing massage to a relaxing rain shower.
7. Your time. Create your own coupon offering a set number of hours of your time helping with home projects such as painting, mowing the lawn or, if you’re not handy, babysitting while the home owners work on a project.
If you’re a Southern New Hampshire home owner, you might want to give yourself one of these great gifts. If you don’t own a home, consider giving yourself the gift of home ownership. Call me today at 603-821-1134 or email me at Dave@DaveHeeter.com, and I’ll send you a list of homes for sale that meet your needs.
Friday, December 10, 2010
Myths about Buying Southern New Hampshire Real Estate for Sale by Owner
There are a few misconceptions about buying for sale by owner (FSBO) Southern New Hampshire real estate.
Myth 1: Sellers aren’t Serious
Some buyers think that the seller isn’t serious about selling the house, that they’re just testing the market. While this is true in some cases, most sellers are serious and will accept an offer that is close to the asking price.
Myth 2: There’s Something Wrong with the Home
Sometimes Southern New Hampshire real estate for sale by owner sits on the market for a while. Generally, it isn’t because there’s something terribly wrong with the house. It may be because the owner isn’t open to negotiations on the sale price. More often, it’s because the owner doesn’t have the experience marketing and showing homes to potential buyers that a real estate agent does. A typical owner isn’t likely to have the time to properly market the house. If there aren’t enough buyers looking at the house, it’s going to be harder to
get a good purchase offer.
Myth 3: Real Estate Agents can't Help
Some buyers believe that real estate agents can't help them negotiate the purchase of a FSBO. That's not true. If you find a FSBO you're interested in taking a closer look at, whether you find it because you drive by it or see it in an advertisement, let your Southern New Hampshire real estate agent know. Real estate agents can represent your best interests when purchasing FSBOs, just like they do when purchasing homes
listed with a real estate agency.
If you're interested in buying a home, whether or not it's a FSBO, I'd like to help you. Call me today at 603-821-1134 or email me at Dave@DaveHeeter.com.
Myth 1: Sellers aren’t Serious
Some buyers think that the seller isn’t serious about selling the house, that they’re just testing the market. While this is true in some cases, most sellers are serious and will accept an offer that is close to the asking price.
Myth 2: There’s Something Wrong with the Home
Sometimes Southern New Hampshire real estate for sale by owner sits on the market for a while. Generally, it isn’t because there’s something terribly wrong with the house. It may be because the owner isn’t open to negotiations on the sale price. More often, it’s because the owner doesn’t have the experience marketing and showing homes to potential buyers that a real estate agent does. A typical owner isn’t likely to have the time to properly market the house. If there aren’t enough buyers looking at the house, it’s going to be harder to
get a good purchase offer.
Myth 3: Real Estate Agents can't Help
Some buyers believe that real estate agents can't help them negotiate the purchase of a FSBO. That's not true. If you find a FSBO you're interested in taking a closer look at, whether you find it because you drive by it or see it in an advertisement, let your Southern New Hampshire real estate agent know. Real estate agents can represent your best interests when purchasing FSBOs, just like they do when purchasing homes
listed with a real estate agency.
If you're interested in buying a home, whether or not it's a FSBO, I'd like to help you. Call me today at 603-821-1134 or email me at Dave@DaveHeeter.com.
Thursday, December 9, 2010
Five Renovation Projects that Increase Your Southern New Hampshire Home’s Value
Whether you’re planning on selling soon or just want a comfortable home to live in now, here are five projects that increase your Southern New Hampshire home’s comfort and value:
1. Uncover hardwood floors. Is there a hardwood floor hiding under your Southern New Hampshire home’s carpet? If you're not sure, pull up the carpet in an unnoticeable corner and investigate. If you find wood floors, you’ll probably need to refinish them, but that’s a lot less expensive than installing new hardwood flooring.
2. Add ceiling fans. Everyone likes to save money, and adding ceiling fans can reduce your electric bill considerably. Central air conditioning costs about 70 times more to run than a ceiling fan. In the summer, fans can make you feel 3 to 8 degrees cooler, allowing you to reduce the use of your A/C and still feel just as cool. Use your ceiling fan in the winter too. Just reverse the direction the blades rotate so the air flows up toward the ceiling, and keep the fan on low. This circulates the warm air around the room without creating a chilly draft.
3. Install a new bathroom floor. Installation is typically the most expensive part of this home improvement, so if you can do it yourself, you’ll save quite a bit of money. Choosing a neutral-colored tile adds the most value.
4. Update bathroom and kitchen fixtures. Replacing outdated or unattractive fixtures is a low-cost, high-impact renovation project. In bathrooms, put in new spa-style showerheads and towel bars. In both rooms, put in new light fixtures, sink faucets, switch plates, outlet covers, cabinet knobs and drawer handles. Choose items in colors and finishes that appeal to a wide audience.
5. Power wash your Southern New Hampshire home’s exterior. Make your home look almost as good as new by power washing away the grime. Clean the siding, driveway, walkways and patio.
Want more home-improvement ideas like these? Subscribe to my blog. It’s free and easy.
1. Uncover hardwood floors. Is there a hardwood floor hiding under your Southern New Hampshire home’s carpet? If you're not sure, pull up the carpet in an unnoticeable corner and investigate. If you find wood floors, you’ll probably need to refinish them, but that’s a lot less expensive than installing new hardwood flooring.
2. Add ceiling fans. Everyone likes to save money, and adding ceiling fans can reduce your electric bill considerably. Central air conditioning costs about 70 times more to run than a ceiling fan. In the summer, fans can make you feel 3 to 8 degrees cooler, allowing you to reduce the use of your A/C and still feel just as cool. Use your ceiling fan in the winter too. Just reverse the direction the blades rotate so the air flows up toward the ceiling, and keep the fan on low. This circulates the warm air around the room without creating a chilly draft.
3. Install a new bathroom floor. Installation is typically the most expensive part of this home improvement, so if you can do it yourself, you’ll save quite a bit of money. Choosing a neutral-colored tile adds the most value.
4. Update bathroom and kitchen fixtures. Replacing outdated or unattractive fixtures is a low-cost, high-impact renovation project. In bathrooms, put in new spa-style showerheads and towel bars. In both rooms, put in new light fixtures, sink faucets, switch plates, outlet covers, cabinet knobs and drawer handles. Choose items in colors and finishes that appeal to a wide audience.
5. Power wash your Southern New Hampshire home’s exterior. Make your home look almost as good as new by power washing away the grime. Clean the siding, driveway, walkways and patio.
Want more home-improvement ideas like these? Subscribe to my blog. It’s free and easy.
Wednesday, December 8, 2010
How to Go Green in Your Southern New Hampshire Home this Holiday Season
Start a new holiday tradition: Give the environment a holiday gift this year by going green. Here are six green traditions you can begin at your Southern New Hampshire home:
1. Use LED lighting. Save energy and protect the environment by using LED lights. LED lighting is 90 to 95% more efficient than non-LED lights.
2. Decorate organically. Use seasonal fruits as decoration, which you can eat afterwards, or are at least biodegradable. Pomegranates and oranges are good choices. Use organic holiday decorations such as grapevine wreaths, eucalyptus, fresh pine and pine cones.
3. Give environmental gifts. Help others go green by giving environmentally focused gifts. People who brown bag lunch would enjoy a reusable lunch bag, homeowners could use energy-saving compact fluorescent lights or a compost bin, commuters might like a reusable travel coffee mug, and both women and men might appreciate a reusable razor. For a truly green gift, consider donating to a charitable organization in that person's name. (Make sure it's one you know they would like supporting!)
4. Wrap with cloth. Fabric makes a beautiful presentation when used to wrap a gift. The average bolt of cotton fabric is 42” to 45” wide, and many seasonal fabrics are very reasonably priced. These decorative wraps can be used year after year.
5. Recycle electronics. Donate or recycle your old electronic components and dispose of batteries responsibly.
6. Buy a living tree. Buy a living tree that will grow in your area and can be kept in a pot outdoors until your ground thaws. Then plant the tree in your yard. It’s a gift that keeps on giving!
If implementing all six green traditions in your Southern New Hampshire home feels overwhelming, start with just one this year and add a new one each year.
I wish you and your loved ones a very Happy Holiday!
1. Use LED lighting. Save energy and protect the environment by using LED lights. LED lighting is 90 to 95% more efficient than non-LED lights.
2. Decorate organically. Use seasonal fruits as decoration, which you can eat afterwards, or are at least biodegradable. Pomegranates and oranges are good choices. Use organic holiday decorations such as grapevine wreaths, eucalyptus, fresh pine and pine cones.
3. Give environmental gifts. Help others go green by giving environmentally focused gifts. People who brown bag lunch would enjoy a reusable lunch bag, homeowners could use energy-saving compact fluorescent lights or a compost bin, commuters might like a reusable travel coffee mug, and both women and men might appreciate a reusable razor. For a truly green gift, consider donating to a charitable organization in that person's name. (Make sure it's one you know they would like supporting!)
4. Wrap with cloth. Fabric makes a beautiful presentation when used to wrap a gift. The average bolt of cotton fabric is 42” to 45” wide, and many seasonal fabrics are very reasonably priced. These decorative wraps can be used year after year.
5. Recycle electronics. Donate or recycle your old electronic components and dispose of batteries responsibly.
6. Buy a living tree. Buy a living tree that will grow in your area and can be kept in a pot outdoors until your ground thaws. Then plant the tree in your yard. It’s a gift that keeps on giving!
If implementing all six green traditions in your Southern New Hampshire home feels overwhelming, start with just one this year and add a new one each year.
I wish you and your loved ones a very Happy Holiday!
Monday, December 6, 2010
Closing Costs Defined: Lender Fees for Buying Southern New Hampshire Real Estate
The closing table can be a confusing place. You have what seems like mountains of paperwork pushed in front of you. You sign countless pages, often not completely understanding what is written. People often leave the closing on their Southern New Hampshire real estate wondering if anyone took advantage of them.
When you understand the meanings of the words that are included in the closing paperwork, you’ll feel more secure about what you’re signing. To help you gain that knowledge, here are definitions for some of the most common lender fees included as part of closing costs when buying Southern New Hampshire real estate.
* Appraisal Fee: This covers the cost of the appraiser who assesses the property’s value.
* Credit Report: Lenders check your credit history before approving you for a mortgage. This covers the cost of your credit report.
* Discount Points: This fee lowers the interest rate on your loan. Each discount point costs 1% of your loan amount and reduces your interest rate for the life of your loan (usually by fractions of percentages).
* Flood Certification: This is the cost of the automated service that tells the lender whether or not the property is located in a flood plain. If it is, it may require flood insurance.
* Lender’s Inspection Fee: This fee usually applies to new construction. It covers the cost of inspections performed by the lender, but does not include pest inspections.
* Mortgage Broker Fee: This fee covers any fees or commissions paid to the mortgage broker.
* Mortgage Insurance Application Fee: Mortgage insurance protects the lender and pays a portion of your mortgage in case you die or default on your loan. This fee pays for mortgage insurance processing.
* Processing Fee: The lender charges these fees to process and approve a mortgage.
* Tax service fee: This fee covers the cost of the lender setting up your tax escrow and monitoring the payment of your property taxes.
Let me help you take the confusion out of closing costs. Call me today at 603-821-1134 or email me at Dave@daveheeter.com for more information about lender fees for your Southern New Hampshire real estate.
When you understand the meanings of the words that are included in the closing paperwork, you’ll feel more secure about what you’re signing. To help you gain that knowledge, here are definitions for some of the most common lender fees included as part of closing costs when buying Southern New Hampshire real estate.
* Appraisal Fee: This covers the cost of the appraiser who assesses the property’s value.
* Credit Report: Lenders check your credit history before approving you for a mortgage. This covers the cost of your credit report.
* Discount Points: This fee lowers the interest rate on your loan. Each discount point costs 1% of your loan amount and reduces your interest rate for the life of your loan (usually by fractions of percentages).
* Flood Certification: This is the cost of the automated service that tells the lender whether or not the property is located in a flood plain. If it is, it may require flood insurance.
* Lender’s Inspection Fee: This fee usually applies to new construction. It covers the cost of inspections performed by the lender, but does not include pest inspections.
* Mortgage Broker Fee: This fee covers any fees or commissions paid to the mortgage broker.
* Mortgage Insurance Application Fee: Mortgage insurance protects the lender and pays a portion of your mortgage in case you die or default on your loan. This fee pays for mortgage insurance processing.
* Processing Fee: The lender charges these fees to process and approve a mortgage.
* Tax service fee: This fee covers the cost of the lender setting up your tax escrow and monitoring the payment of your property taxes.
Let me help you take the confusion out of closing costs. Call me today at 603-821-1134 or email me at Dave@daveheeter.com for more information about lender fees for your Southern New Hampshire real estate.
Thursday, December 2, 2010
Southern New Hampshire Real Estate: 4 Myths About Vacant Land
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The Path Less Traveled |
Do your research and separate the truths from the myths. To get you started, here are 4 common land myths debunked:
1. It takes too long to build on. The truth is that you can build on your vacant land as soon as you’re ready. What can take time is getting the right building permits and fitting into your builder’s schedule. However, none of this has anything to do with the land itself. You can run into these delays if you build in a planned community.
2. It has no value. You’re most likely not going to be able to flip a piece of vacant land like you could a home that you rehab. Yet, like any other type of Southern New Hampshire real estate, land generally goes up in value over time. If you add improvements to land, like septic and water systems or even a home, its value will go up even more.
3. I have to pay cash for it. Although it may not be as easy for just anyone to get a bank loan for vacant land, it is possible. Even if you can’t get a bank loan for land, many land owners are more willing to offer owner financing or a lease to own arrangement so you can purchase it.
4. It’s just too risky. Of course there’s a risk involved in buying vacant land, but it’s no different than any other real estate investment. There’s always a chance the Southern New Hampshire real estate market will shift and make it more difficult to sell. However, as long as you do your homework and buy land in a desirable area, it’s still a rather safe investment.
If you’re interested in buying land or learning more about it, give me a call today at 603-821-1134 or email me at Dave@DaveHeeter.com.
Wednesday, December 1, 2010
Myths About Southern New Hampshire Real Estate Agents
Ask anyone about their experiences with Southern New Hampshire real estate agents, and you will no doubt hear a variety of responses. This is why there are so many myths about agents circulating. A good real estate agent is worth every penny you spend for their expertise. Let’s examine some popular myths about Southern New Hampshire real estate agents.
1. They make too much money. The truth is that the median salary for real estate agents in 2009 was approximately $54,000. Agents have to pay business expenses such as broker’s fees, professional organization memberships and MLS listing fees. One of their biggest expenses is marketing homes for sale for buyers and sellers like you. These expenses quickly add up and take away a large percentage of their commission.
2. They won’t get you a good deal because they make a commission on the sale price. Yes, real estate commissions are based on a percentage of the sale price. However, the commission on a $185,000 home is $5550, while the commission on a $200,000 home is $6000. That’s a difference of $450, which is hardly worth creating a negative impression by getting you a bad deal.
3. They say anything to make a sale. Professional Southern New Hampshire real estate agents work for you, and they want you to have a positive experience with them. After all, most of their business comes from referrals. They want you to be happy so you will tell your friends and family about their excellent service.
4. They don’t do anything you can’t do on your own. The truth is that buying and selling real estate can be a complicated and time consuming process. Sure, on the buying side you can manage your own search and negotiations & inspections & financing while hiring a lawyer to help with the paperwork and on the selling side you can pay a one time fee to get your home listed in the mls with no further agent involvement and then read up on how to price, stage, and market your home as well as negotiate terms & conditions of a sale. However, professional Southern New Hampshire real estate agents are trained to do all these things and have experience at it. As a result, they’ll save you money, time and make your life less complicated throughout process.
Don’t underestimate the value of a professional real estate agent.
Let me help you save time and money when buying or selling your home. Call me today at 603-821-1134 or email me at Dave@DaveHeeter.com.
1. They make too much money. The truth is that the median salary for real estate agents in 2009 was approximately $54,000. Agents have to pay business expenses such as broker’s fees, professional organization memberships and MLS listing fees. One of their biggest expenses is marketing homes for sale for buyers and sellers like you. These expenses quickly add up and take away a large percentage of their commission.
2. They won’t get you a good deal because they make a commission on the sale price. Yes, real estate commissions are based on a percentage of the sale price. However, the commission on a $185,000 home is $5550, while the commission on a $200,000 home is $6000. That’s a difference of $450, which is hardly worth creating a negative impression by getting you a bad deal.
3. They say anything to make a sale. Professional Southern New Hampshire real estate agents work for you, and they want you to have a positive experience with them. After all, most of their business comes from referrals. They want you to be happy so you will tell your friends and family about their excellent service.
4. They don’t do anything you can’t do on your own. The truth is that buying and selling real estate can be a complicated and time consuming process. Sure, on the buying side you can manage your own search and negotiations & inspections & financing while hiring a lawyer to help with the paperwork and on the selling side you can pay a one time fee to get your home listed in the mls with no further agent involvement and then read up on how to price, stage, and market your home as well as negotiate terms & conditions of a sale. However, professional Southern New Hampshire real estate agents are trained to do all these things and have experience at it. As a result, they’ll save you money, time and make your life less complicated throughout process.
Don’t underestimate the value of a professional real estate agent.
Let me help you save time and money when buying or selling your home. Call me today at 603-821-1134 or email me at Dave@DaveHeeter.com.
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