Pat Clancey Realty LLC



Posted by Pat Clancey Realty LLC on 5/22/2018

Buying your dream home should be simple. Unfortunately, challenges may arise during the homebuying journey, particularly for those who fail to budget accordingly.

Establishing a budget before you begin your home search is paramount. With a budget in place, you can explore houses that fall within your price range and move closer to finding a great residence that you can enjoy for years to come.

Ultimately, creating a homebuying budget can be easy here are three tips to help homebuyers establish budgets.

1. Consider your utility costs.

Although you may be able to get pre-approved for a mortgage and determine exactly how much you'll need to pay for a house, you'll still need to account for utility expenses month after month.

Electricity, heat and other utility costs can add up quickly. However, a diligent homebuyer should have no trouble estimating his or her monthly utility fees.

Examining your current utility expenses can help you understand how much you may wind up paying in utility charges at your new address. Also, don't forget to consult with your real estate agent, as this professional may be able to provide details about the average utility costs associated with a particular residence.

2. Manage your debt.

If you decide to purchase a "fixer-upper," i.e. a home that requires extensive home repairs, you'll likely need to commit substantial time and resources to complete home renovation projects. Thus, you'll want to consider any home repair tasks that you may need to complete at a new address and budget for them before you make an offer on a house.

In addition, knowing your credit score can help you understand your debt. You are entitled to a free copy of your credit report from each of the three major credit reporting agencies (Experian, Equifax and TransUnion), and each report will provide information about any outstanding debt. That way, you can learn about your debt and find ways to minimize it prior to purchasing a residence.

3. Account for closing costs and miscellaneous expenses.

Home closing costs will include your loan origination, title insurance and appraisal fees and often range between 3 percent and 7 percent of your total loan amount. You'll want to account for these expenses as you establish a homebuying budget to ensure you can secure your dream house without delay.

Spend some time learning about all of the expenses that may impact your monthly home expenses too. For example, if you purchase a condo, you may face monthly homeowners association fees in addition to your mortgage costs. Or, if you plan to have a baby in the near future, you'll want to consider how the costs of raising a child may impact your ability to cover your mortgage expenses.

If you ever have concerns or questions about establishing a homebuying budget, be sure to consult with your real estate agent. Remember, your real estate agent is available to help you in any way possible and will do what it takes to ensure you can establish the right homebuying budget.




Tags: Buying a home   budgeting  
Categories: Buying a Home   budgeting  


Posted by Pat Clancey Realty LLC on 5/18/2018


5 Caleb Street, Nashua, NH 03062

Single-Family

$369,000
Price

2
Bedrooms
6
Rooms
2
Baths
Welcome to West Hollis Estates, Nashua's newest development! Great location just off Exit 5 and in Main Dunstable school district. Fantastic ranch including master bedroom with bath, a second bedroom,a den, hardwood in the kitchen and living room, central A/C, granite kitchen and baths, Stainless in the kitchen. Call now to reserve your Lot. Low monthly fee TBD. Taxes are approximate
Open House
Sunday
May 20 at 12:00 PM to 2:00 PM
Cannot make the Open Houses?
Location: 5 Caleb Street, Nashua, NH 03062    Get Directions






Categories: Open House  


Posted by Pat Clancey Realty LLC on 5/18/2018


5 Caleb Street, Nashua, NH 03062

Condo

$369,000
Price

2
Bedrooms
6
Rooms
2
Baths
Welcome to West Hollis Estates, Nashua's newest development! Great location just off Exit 5 and in Main Dunstable school district. Fantastic ranch including master bedroom with bath, a second bedroom,a den, hardwood in the kitchen and living room, central A/C, granite kitchen and baths, Stainless in the kitchen. Call now to reserve your Lot. Low monthly fee TBD. Taxes are approximate
Open House
Sunday
May 20 at 12:00 PM to 2:00 PM
Cannot make the Open Houses?
Location: 5 Caleb Street, Nashua, NH 03062    Get Directions






Tags: Real-Estate   Condo   Nashua   Open House   03062  
Categories: Open House  


Posted by Pat Clancey Realty LLC on 5/18/2018


3 Caleb Street, Nashua, NH 03062

Single-Family

$364,900
Price

3
Bedrooms
6
Rooms
2/1
Full/Half Baths
Welcome to West Hollis Estates, Nashua's newest development! Great location just off Exit 5 and in Main Dunstable school district. Great floor plan including first floor master with full bathroom, two bedrooms up with Jack and Jill bathroom, 2 car garage. Stainless kitchen with granite counters, central air!!! Low monthly fee TBD. Taxes are approximate
Open House
Sunday
May 20 at 12:00 PM to 2:00 PM
Cannot make the Open Houses?
Location: 3 Caleb Street, Nashua, NH 03062    Get Directions






Categories: Open House  


Posted by Pat Clancey Realty LLC on 5/18/2018


18 Reed Street, Hudson, NH 03051

Single-Family

$254,900
Price

3
Bedrooms
8
Rooms
2
Baths
Attractive, well maintained home with fenced rear yard and above ground pool. Conveniently located in the heart of Hudson within easy access to area services and Nashua. The fully finished lower level has a large family room, bedroom and 3/4th bath. A pull down attic plus a huge shed offers ample storage space. Interior photos coming soon. Showings begin 5/23/2018.
Open House
No scheduled Open Houses






Categories: Price Change  




Tags