Concord NH~Joni~Merrimack County

  Whether a "First Timer" or an "Old Hand" buying a home can be daunting.  I have written several articles to help you, the Buyer, to understand the process. I am combining them here in one place so they are easy to find. I hope you find this information helpful!

                  HOME BUYER INFORMATION

 

  First Time Home Buyer's (We're On Our Way

  Now Here's Your Next Step!( First Time Home Buyer Information)

  The Pods Are Coming!!!

  First Time Home Buyer Strategies

  Concord New Hampshire-One Of The Best Places To Retire

  Home Energy Audits-Do Your Own!-Part 1

  Why You Should Purchase Your New Home in Concord New Hampshire

  Special Needs - Moving With Kids and PIC

  Kids Are People Too!!

  Fido's Got Feelings Too!

 

Concord New Hampshire Realtor Area Information

 Whether a "First Timer" or an "Old Hand" selling a home can be daunting. I have written several articles to help you, the Seller, to understand the process. I am combining them here in one place so they are easy to find. I hope you find this information helpful!

                                 HOME SELLER INFORMATION

  Reverse Agency~ For Sellers

  Could This Be Redlining?

  Pre-Marketing Home Inspections

  Recession and Real Estate

  Foreclosure and Predatory Lending-Help For New Hampshire Homeowners

  Kids Are People Too!!

  Fido's Got Feelings Too!

 

Concord New Hampshire Realtor Area Information

 

   The Lending picture in NH is less shaky than some other States, but the restrictions and "terms" rewrites have left the borrowing picture equally blurred.

  Out of this somewhat dismal picture shines a beacon of promise...while getting a mortgage loan, for first time home buyers, is becoming more difficult....purchasing or re-financing a mobile home will soon be easier.

  A $10million demonstration project that will make Fannie Mae-backed conventional mortgages (for the first time) for homes in a manufactured home cooperative park....is being launched by St.Mary's Bank and Merrimack County Savings Bank.

  Simultaneously, the New Hampshire Community Loan Fund is launching ROC USA an organization founded to oversee resident-owned communities in 27 States.

  The Community Loan Fund is a private non-profit established in 1983 to help New Hampshire people help themselves. They loan money to build housing and create jobs. Working with ROC and CFED, one of their most visible initiatives to date, had been to provide loans and technical assistance to help mobile home owners create co-operatives in order to buy and manage their own parks.

   Three years ago The Loan Fund started writing its own loans to manufactured home Buyers. It amassed quite a portfolio. The Loan Fund convinced Merrimack County and St.Mary that the loans were being paid off, the first batch was sold last year. Merrimack County has just announced it would buy another $500,000 of the Loan Funds paper.

  This success attracted Fannie Mae to the inherently more stable ROC parks. So in the one Fannie Mae approved park ( more approvals expected), the home owners will be able to refinance their existing loans as well as purchase new ones under conditions similar to any other homeowner applying at St. Mary's or Merrimack County Savings.

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  What strikes me about this story is: while our Federal Government struggles for solutions,with none in sight ....a collaboration of dedicated organizations looking to help people achieve home ownership, are fanning the spark of the American Dream

Concord New Hampshire Realtor

  I am feeling especially cheerful tonight. I just got a third party approval (Option One Mortgage)  on an offer made on one of my listings....the property was scheduled for auction on this Monday.

  Here is a copy of the Thank You note I decided to send to the woman I never met...who helped make it happen.

  I would imagine, on the whole .....hers is a thankless job!

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  To Whom It May Concern                                                    

  Dear D_____,

  I just wanted to send a Thank You for how you handled the recent Short Sale for my Client John Doe Loan#********.

  I will admit that I came into the situation with a lot of trepidation. I had heard many horror stories about lack of response, lost paper work and unexpected obstacles.

  You handled the transaction with timely response, consideration and clear explanations. Allowing for email correspondence certainly eliminated "phone frustration"

  I had told you this was my first Short Sale as it was for the Buyers Agent and the Buyers...your consistent communication kept all concerned from getting discouraged. I realize we still have a way to go but the "third party approval" you just forwarded ....made several people very happy.

  The present Mortgage Crisis has affected both of our businesses...You are dealing with many unhappy, frustrated and in many cases angry people on a daily basis. We are dealing with frightened, confused and sometimes humiliated Sellers and hopeful, media educated but uncommitted Buyers.

  In this climate....I do think you are looking at more job security!

  Thank you again D_____ for making this whole situation....a lot less painful for all concerned. You do your job well!

  Respectfully,

  Joan Mirantz  GRI CBR tel# 603-225-3353  x308

   Keeler Family Realtors, Pembroke NH 03275

Concord New Hampshire Realtor

 We are all aware of the obvious ramifications of todays economy. Foreclosures, gasoline prices, unavailable credit, soaring health care costs (if you can afford it at all), food prices and job security to name the obvious....but if we look hard enough....we will see fallout in every city and town in America. Fallout that never reaches the front page.

  I was listening to a report the other day, by Chris Jensen, a reporter for NPR. It was about the small town of Northumberland (Groveton) NH. Northumberland has a population of just over 2000 people with a Median Household Income of $31,500. It is not a large nor prosperous town.

  Northumberland is trying to raise some money. They are looking to raise $100,00, not a fortune by todays standards. The money is earmarked to shore up the river bank  in an area that has been eroded forty feet by the Connecticut River. Forty feet encroaching on the final resting place of  Northumberlad citizens....past and present - the town cemetery. The town has approached the Connecticut River Mitigation and Enhancement Fund and the Connecticut River Joint Commissions to no avail. Recently they had understood that NHDES had agreed to provide 60% of the funds....that never came to pass.

  A few years ago they had to have a husband and wife moved because part of the embankment collapsed.Last March the Town voted to spend $30,000 to move 8 more graves. 

   So while there is much attention being paid to the obvious and while the politicians are vieing for the most attention and while every crisis is THE crisis....

  There's a small town in the Great North Woods of New Hampshire protecting the dignity of their dead. 

  In small town America....Life goes on.....

Concord New Hampshire Realtor Area Information

       Over this past year I have made it my habit to take fairly regular trips around my beautiful State. While most of my Localism posts have featured pictures and events in Concord NH, the Sunday Morning  tours showcase the rest of the State.

      Not only is this practice a great excuse to get out and about...it's a perfect opportunity to show my Readers what a "special" place this is.                                

                                                               New Hampshire Sunday Morning-#1

                                              SAINT GAUDENS AND LAKE SUNAPEE REGION 

                                                          New Hampshire Sunday Morning-#2

                                                      CONWAY AND LAKE OSSIPEE REGION

                                                        New Hampshire Sunday Morning-#3

                                           MOUNT MONADNOCK AND PETERBOROUGH REGION 

                                                          New Hampshire Sunday Morning-#4

                                                          FITZWILLIAM AND JAFFREY AREA

                                                           New Hampshire Sunday Morning-#5

                                             CONCORD NEW HAMPSHIRE~MILLBROOK GARDENS

                                             New Hampshire Sunday Morning-#6

                                                          TWIN MOUNTAIN AND THE NOTCHES

                                         New Hampshire Sunday Morning-#7                                                           

                                                       BETHLEHEM AND THE NOTCHES   

                                                      New Hampshire Sunday Morning-#8                             

                                          MOOSE ALLEY~PITTSBURGH AND THE CONNETICUT LAKES

                                                       New Hampshire Sunday Morning-#9

                                                         HANOVER AND CORNISH AREA

                                               New Hampshire Sunday Morning-#10 (Foliage Edition)

                                                                RINDGE NH AREA

                                                       New Hampshire Sunday Morning-#11

                                                         THE OLD MAN IN THE MOUNTAIN

                           Hope you enjoyed the journey!

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   Now that Spring has finally arrived and the Winter hiatus has ended, be on the lookout for the continuing series of "New Hampshire Sunday Morning"

Concord New Hampshire Realtor Area Information

  It's never too soon to start planning Summer activities!

 As every parent knows, after the blush of Summer Vacation has faded the cry of the day is "there's nothing to do!!"

  The City of Concord and the surrounding area offer many programs, covering many interests and to fit any budget. Who knows....if you start planning soon enough....you may be able to fill the time till School's in session again!

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     Windswept Farm : Instruction for children of all abilities. Sign up for one of the Horsemanship Day Camp Programs. there is also an Indoor Arena. Canterbury NH 783-4151

   Sant Bani School in Sanborton is offering a Summer Program for grades 5-8.   Let the kids try their hand at...Creative Writing, Lego Robotics, Number Theory, Clamor in Clay, Unicycling and lots more! tel#  934-4240

         Camp Sentinel: A Christian Overnight and Day Camp. A quality Camp that includes both youth and families. Tel# 539-4839

   Summer Art Camp: Held at Kaleidoscope Childrens Museum (Concord) Serving pre-K to 8th grade.    Half and   full day camps available tel# 229-4526 

             NH Audubon Summer Day Camp: Held at the McLane Center.Learn all about your surroundings! For ages 4-14 Get information and register on line or call tel#  224-9909  x333

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   There's always plenty to do in the Conord New hampshire Area!

    Summer Camps For Kids~Concord New Hampshire

   Summer Camps For Kids~Concord New Hampshire (Part II)

Concord New Hampshire Realtor Area Information

  I just received an email to a wonderful Short you are going to want to watch over and over just so you don't miss anything! It is appropriately called Burma Shave.  

 Sometimes it's there is merit in just posting something fun on here. We have so many serious issues we discuss that we are living everyday....

  Maybe living in the past...if only for a short time, isn't all bad. If it was we wouldn't have photo albums, diaries and momentos. If it was....we wouldn't have memories. The creators of this film have a nostalgic web site full of Memories. Something to save for a rainy day!

  Have a Great Day!!

Concord New Hampshire Realtor

   Concord New Hampshire A Main Street Community  

     There was a fun story on the front page of todays Concord Monitor. A story pointing out one of the most charming aspects of Concord, NH, the fact that Concord has not totally rid itself of its agricultural roots!

  It's the smell of Mother Nature's fertilizer....it's the smell of "Poop".

  From one side of Concord to the other even to the streets downtown, the smell of manure permeates the air. 

  To quote City Planner Doug Woodward "It reminds us that there's still agriculture in Concord...New Hampshire has not been completely paved over"

  There are still two major Dairy Farms in the Concord area, The Bartlett Farm and the Morrill Farm Dairy. They own a good portion of the land surrounding the city, and at this time every year they fertilize the fields. And every year the city hears complaints from people who have forgotten where their food comes from!

  So, if you happen to be new to the Concord area...or are just passing through!

  Not to worry...It's NOT the Sewage Treatment Plant  It's Spring!!

Concord New Hampshire Realtor Local Information

                                          Concord New Hampshire.....A  Main Street Community

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  Looking for something to do? There's something for every taste in Concord NH,  the Capitol city with a small town attitude!

                        The Concord Community Players present The Fantasticks! For an evening of song...come to the Concord City Auditorium. May 1st,2nd and 3rd at 8:00PM. (box office opens 4/27)

               Webkinz Extravaganza...April 25th through 27th, at Pine Bough 341 Loudon Road. Free Webkinz with purchase,face painting, gem hunt and more!

                 Capitol Kids Spring Art Show. Kids can draw, paint, sculpt or anything artisticly expressive that makes them happy about Spring. For ages under 18. Work will be displayed downtown from5/4 to 5/18 for all to admire. Name will be entered into a prize drawing Bring submissions to Imagination Village , 9 North Main by 4/27 (225-1060)

              Community Weight Loss Challenge: 12 week program for $39 dollars a percentage to be donated to help fight childrens obesity. The rest to be awarded to the top three winners at the end of the program. There will be FREE personal coaching, and nutritional information. Tuesday nights or Saturdays..     Concord Community Center, West Street.      tel#848-8123

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  Check back often for more upcoming events! There's always plenty to do in Concord New Hampshire!

 Concord New Hampshire Realtor Local Information