Kim Daneault
KELLER WILLIAMS REALTY / Metropolitan | 603-345-7783 | [email protected]


Posted by Kim Daneault on 11/13/2018


168 Warner Hill Road, Derry, NH 03038

Single-Family

$579,900
Price

4
Bedrooms
14
Rooms
2/1
Full/Half Baths
Beautiful Contemporary Colonial. Architecturally designed and lived in by the builder. 4 bedroom custom home with many upgrades and amenities. An oversized 44 x 28 heated 3 car garage-oversized doors, 11 ceiling height and utility sink; engineered steel beams allow for open concept; provides 2nd access to basement and access to unfinished 27 x 16 bonus rm above (heat and central vac already in place). 1ST FLR MSTER SUITE Suite-custom shelving, drawers, jetted tub, granite, crown moldings, and more. Common areas-oak or Porcelain tile floors and recessed lights. Office/den has a turret style roof and gas fireplace. Eat-in kitchen-custom maple cabinetry to ceiling with crown moldings, center island, granite, central vacuum dust pan, under-cabinet lighting, large window overlooking a spacious patio and private backyard. 1st floor laundry rm with utility sink and built-ins. 1st flr mudroom and 1/2 bath with spacious pantry closet off kitchen. Unfinished 2000 sf basement, 9 ft height and open concept with engineered steel beams. 3-season porch-Velux skylights overlook patio and above-ground heated 24 x 16 Gibraltar pool-walk-around deck and lockable gate. Front 28 x 5 farmers porch and 14 x 8 rear deck- low-maintenance Azak decking and trim. Oversized parking areas with 30 amp RV receptacle. 12 x 24 shed-2 overhead garage doors and ramps. Opportunity to buy abutting land. Extremely well cared for and with all the extras and quality of this home are sure to please the next owner.
Open House
Sunday
November 18 at 11:00 AM to 1:00 PM
Cannot make the Open Houses?
Location: 168 Warner Hill Road, Derry, NH 03038    Get Directions






Categories: Open House  


Posted by Kim Daneault on 11/11/2018

You can ask any homeowner-buying and owning a home is expensive. Mortgage payments, property taxes, utilities, and other bills quickly add up.

If you want to buy a home but donít have a large down payment saved, odds are youíve discovered something called private mortgage insurance (PMI).

PMI is an extra monthly payment that you make (on top of your mortgage payment) when you donít have enough to make a large (20%) down payment on your home.

However, if you want to buy a home and donít want to tack on an extra monthly payment for PMI, you have options. In todayís post, Iím going to talk about some ways to avoid paying PMI on your mortgage so you can save more money in the long run.

PMI Basics

Before we talk about getting rid of PMI, letís spend a minute on what to expect when you do have to pay it.

PMI typically costs 0.30% to %1.15% of your total loan balance annually. That means that your PMI payments will decrease a moderate amount as you pay off your loan.

Furthermore, once you have paid off 22% of your loan, your PMI will be cancelled and youíll only be responsible for your regular monthly mortgage payments.

Getting PMI waived early

With conventional loans, you can request to have your PMI cancelled once youíve paid off 20% of the mortgage. However, many buyers with PMI are using some form of first-time buyer loan, such as an FHA loan.

With an FHA loan, youíll be stuck with PMI for the lifetime of the loan if you donít make a down payment of 10% or more. Thatís a lot of PMI payments, especially if you take out a 30 year loan, and it can quickly add up.

If you have an FHA loan with FHA insurance, the only way to cancel the insurance is to refinance into a non-FHA insured loan. And remember--refinancing has its own costs and complications.

Making it to the 20% repayment mark

On conventional loans, the best way to get rid of PMI is to reach your 20% repayment mark as soon as possible. That could mean aggressively paying off your mortgage until you reach that point.

This can be achieved by making extra payments, or just paying more each month. However, you donít want to neglect other debt that could be accruing costly interest in favor of paying off your loans. Make sure you do the math and find out which debt will be more expensive before neglecting other debt.

Once you do reach the 20% repayment mark, youíll have to remember to apply to have your PMI canceled with your lender. Otherwise, it will be canceled automatically at 22%.





Posted by Kim Daneault on 11/10/2018

This Single-Family in Hooksett, NH recently sold for $381,320. This Colonial style home was sold by Kim Daneault - KELLER WILLIAMS REALTY / Metropolitan.


123 University Circle, Hooksett, NH 03106

Single-Family

$334,900
Price
$381,320
Sale Price

4
Bedrooms
8
Rooms
2/1
Full/Half Baths
The Winchester Colonial -- This majestic colonial provides practical use of space with opportunities to create a very impressive home for entertaining. Your personal touches will create a home that you can be proud of, even with a few minor upgrades!






Categories: Sold Homes  


Posted by Kim Daneault on 11/9/2018


98 Weston Road, Manchester, NH 03103

Rental

$1,395,000
Price

2
Bedrooms
4
Rooms
1/1
Full/Half Baths
Great Rental. Corner unit in great location to all the amenities of shopping, restaurants, schools and highway access. Lovely gas fireplaced living space Laundry included in basement. Has a garage with entrance to the condo. 1/2 bath on first level and Full Bath on Second. Master with two closets. Sit out on deck looking out to wooded area. BBQ grill included. Fantastic location close to shopping, etc. Natural gas makes for affordable living.
Open House
No scheduled Open Houses






Tags: Real-Estate   Manchester   03103   Rental  
Categories: New Homes  


Posted by Kim Daneault on 11/4/2018

There are a number of reasons you may want to sell your home quickly. Whether youíre hoping to avoid making two mortgage payments, or if you are moving a long distance and have a limited time to close on your old home, it can become imperative to sell quickly.

Many homeowners in a rush to sell their home are at a loss for what they can do to increase their chances of selling quickly without substantially lowering the price.

If youíre in a competitive buyerís market it can be even more difficult to make a quick sale. Fortunately, there are things you can do to help expedite the selling process. In todayís article, weíll show you how to do just that.

Read on for tips on selling your home faster so you can move on to focusing on your new home.

Presentation matters

To give yourself the best chance of attracting buyers, youíll want to focus on cleaning and staging your home.

Many sellers leave their belongings in the home and simply fill up their closet and basement while selling their home. A better approach is to rent a storage unit to keep your belongings in. This will make sure you can showcase the size of your closet and other storage areas in viewings and in your photography.

When it comes to photography, using high quality photos that show off the lighting and spaciousness of your home will attract more leads on your home. Spending money to hire a photographer for the day can save you valuable time and give you quality, marketable photos of your home.

Rethink your pricing

If you need to sell quickly, the easiest way to do so is to make sure youíve priced your home reasonably. Many sellers have a tendency to aim high, thinking that they will be haggled down by a buyer.

However, fewer people will reach out if your home is outside of their budget. Set your home price close to its market value and make adjustments accordingly.

Add quick curb appeal

Curb appeal is the measure of how welcoming and desirable your home looks upon driving by or pulling into the driveway. This can be achieved with landscaping, paving the driveway, and cleaning the houseís siding.

However, you donít have to spend thousands to clean up the outside of your home. Sometimes simply mowing and edging the lawn and adding fresh mulch goes a long way toward improving curb appeal.

Another thing to consider is the best time to take outdoor photos of your home. If you have a great view or sunsets, try taking photos at different times of the day to show off all your property has to offer.

Remove personal items

You want your home to appear livable--not lived in. Make sure family photos and other personalized items have been removed for real estate photography, open houses, and viewing.

Similarly, if you have any rooms painted colors that others may find jarring, re-paint them in a neutral, calming color. And, if any of your walls are painted a dark color, brighten them up to make the room appear larger.

This approach stands true for the driveway and garage as well. You want potential buyers to imagine how they could use the space--not how youíre currently using it. Make sure your vehicles and outdoor equipment are out of sight in your photos and during showings.







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