Steven Sawyer (Central NH) - Exit Realty Group



Posted by Steven Sawyer (Central NH) on 9/17/2018


7232 Oak Hill Road, Loudon, NH 03307

Single-Family

$239,900
Price

3
Bedrooms
6
Rooms
1
Baths
Great private location in low taxes Loudon, minutes to I93 for commuting south or north. Beautifully maintained home, 4 rooms on the first level and two in the walkout lower level. Large side deck, screen house, couple of out buildings. A must see.
Open House
No scheduled Open Houses






Categories: New Homes  


Posted by Steven Sawyer (Central NH) on 9/16/2018

There are many different advantages to adding more nature to your home inside and out. For one, it makes you happy to be around more natural things. We spend so much time in front of screens and using technology, that itís nice to be brought back to nature right in your own home. 


All this being said, itís a great idea to consider building a fish pond on your property. Thereís many different advantages to these bodies of water around your home including:


A Pond Will Build Up The Look Of Your Property


If thereís a part of your property that you just canít get past, perhaps building a fish pond will be a good use of that area. Some people take the idea further, creating a water garden complete with streams. However you decide to build your fish pond; simple or elaborate, youíll appreciate how it will improve the look of your property.


It Will Spark Your Creativity


Planning where and how a fish pond will go in your yard can really spark your creativity. You and your partner can think about what you want and find the best ways to execute your project. From the way youíll establish the surrounding landscapes to how you plan to dig the pond to what kind of fish youíll put in the pond, thereís a lot to think about. The best part is that you will create how you want your property to be more exciting and pleasant to spend time on. 


You Make A Good Use Of Your Space


Maybe you feel that you have a lot of ďwasted spaceĒ on your property. Installing a fish pond is a great way to make use of the space that you do have in your yard. If you feel that you could be doing something incredible with the space that you do have, building your own pond is a great way to do that. 


Connect With Nature


A fish pond allows for you to enjoy more than just fish. It will attract other types of wildlife including unique insects, birds and more. Watching fish has also been proven to be an activity that reduces stress and increases your level of health. According to studies done by the National Marine Aquarium, the mere act of watching fish has been shown to reduce blood pressure and decrease heart rate. Being in a natural environment is much more soothing to both your physical and mental states.       


While building a fish pond can seem like a huge project, you can see that the benefits are many. Youíll truly feel that you have maximized your land space and can enjoy the many benefits of having your own small wildlife sanctuary right on your property.





Posted by Steven Sawyer (Central NH) on 9/13/2018

This Single-Family in Canterbury, NH recently sold for $220,000. This Ranch style home was sold by Steven Sawyer (Central NH) - Exit Realty Group.


47 Cambridge Drive, Canterbury, NH 03224

Single-Family

$229,500
Price
$220,000
Sale Price

3
Bedrooms
5
Rooms
2
Baths
Sought after Canterbury neighborhood right off I93 exit 17. Property is on a cul-de-sac situated on a wooded elevated lot. The first level offers 5 rooms, 3 bedrooms and a full bath. Walkout lower level has a laundry area, workshop, family room with a 3/4 bath and a wood stove. There's a detached shed for your yard tools, 12X10 rear finished enclosed porch and a 24X26 attached garage.






Categories: Sold Homes  


Posted by Steven Sawyer (Central NH) on 9/9/2018

If buying a home is something youíre considering, you might be curious about the different types of mortgages that are available to you. After all, the interest rate on your loan could have a huge impact on your finances over time, saving you thousands of dollars.

In todayís post, Iím going to demystify the home loan by explaining the most common types of mortgages. That way, youíll be able to approach a lender with a bit of context and knowledge to help make the best mortgage decision for you and your family.

Fixed-rate mortgages

The most common types of home loans in the United States today are fixed-rate mortgages. A fixed-rate mortgage has the benefit of stability in terms of its interest rate--year after year, or the lifetime of your loan, you know exactly what percent of interest youíre going to pay.

Fixed-rate mortgages most frequently come with repayment terms of 15 or 30 years. However, some lenders offer different repayment periods.

As with any debt, paying off a mortgage in a shorter term typically amounts to paying less interest over the lifespan of the loan. For this reason, buyers who can afford higher monthly mortgage payments often opt for a 15-year fixed-rate mortgage.

If you canít afford higher monthly payments, a 30-year loan will typically have lower mortgage payments, but at the expense of paying more interest over the life of the loan.

The 30-year option is the most often in the United States, where first-time buyers typically have too many other monthly bills to afford a high mortgage payment.

Adjustable-rate mortgages

Adjustable-rate mortgages (ARMs) were once an ideal option for first-time buyers who could purchase a home at a very low interest rate and then refinancing once that rate was set to rise. However, after the housing crisis of 2007, trust in the housing market drastically declined.

In recent years, ARMs have begun to make a comeback. However, they currently still only account for around 5% of home loans.

Adjustable-rate mortgages come with one important advantage and one huge disadvantage over fixed-rate mortgages. The upside is the ability to borrow money for a home at a lower interest rate than other mortgage types. The down side? Your interest rate isnít locked in for the length of the loan, meaning your rate could, in theory, rise dramatically before you sell or pay off the home. This is exactly what happened to borrowers during the subprime mortgage crisis.

Guaranteed loans

There are a number of special loan programs that have been sponsored by the government over the years. Among them are USDA rural development loans, VA loans for veterans and their spouses, and FHA loans offered by the Federal Housing Authority.

All of these loans make it easier to buy a home with little or no down payment or a credit score thatís less than perfect. That makes these options great for first-time homeowners.




Tags: Buying a home   Mortgage  
Categories: Buying a Home   Mortgage  


Posted by Steven Sawyer (Central NH) on 9/2/2018

The homebuying journey can be long and arduous, particularly for an individual who makes mistakes along the way. Fortunately, an informed homebuyer can identify potential problems early in the homebuying journey and take the necessary steps to resolve such issues without delay.

Now, let's take a look at three common mistakes that homebuyers make, along with the best ways to eliminate these problems before they escalate.

1. A homebuyer spends too much time debating whether to submit a home offer.

The housing market moves quickly, and a homebuyer who hesitates to submit a competitive offer on a residence risks losing this house to a rival homebuyer.

Ultimately, it pays to learn about the real estate market. That way, if you fall in love with a house, you'll be better equipped than other homebuyers to submit a competitive offer before it's too late.

Check out the prices of houses in cities and towns where you'd like to live. This may help you narrow your search for the perfect home and provide housing market data that highlights how much it may cost to acquire your dream residence.

Also, take a look at the prices of recently sold houses in different areas. This will enable you to determine whether you're working in a seller's market or a buyer's one.

2. A homebuyer foregoes a home inspection.

Even though a homebuyer may want to rush through the purchase process, there is no reason to forego a home inspection.

When it comes to buying a residence, it is always better to err on the side of caution, and a home inspection offers a valuable opportunity to learn about a house's condition and uncover any "hidden" problems with a residence.

For example, a home inspection may reveal roof damage that could lead to thousands of dollars in roof repairs in the near future. On the other hand, a home inspection may show there are no major issues with a residence, thereby verifying that a house is a sound investment.

Don't forget to consider a variety of home inspectors before you schedule a property inspection. This will ensure that you can find a home inspector who possesses the necessary skills and expertise to perform a deep evaluation of a home before you finalize your purchase.

3. A homebuyer tries to purchase a house without support from a real estate agent.

For those who want to streamline the homebuying process, expert help may be necessary. Luckily, you can hire a real estate agent who can help you seamlessly navigate the homebuying journey.

Real estate agents are easy to find in cities and towns nationwide. Meanwhile, these housing market professionals are available to help you narrow your home search, submit offers on residences and much more.

If you need additional help during the homebuying journey, it usually is a good idea to hire a real estate agent. By doing so, you can receive the expert guidance and support that you need to go from homebuyer to homeowner.