Waterfront on Emerald Lake!

OPEN HOUSE SUNDAY June 11th  10AM-12PM

Enjoy 3 floors of bright, spacious, sun filled rooms! Easy access walk-in studio with full 2nd kitchen, living room and full bath.  Perfect for guests or extended family.  Direct walkout to level backyard and Private 75' of water frontage. Front to back Cathedral screen porch that connects to farmers porch. A Rare Find On Emerald Lake! 

 

$229,900

Spacious & Comfortable Ranch style home!

2321SF, 3 Bedrooms, 2 Baths. Partially finished walkout basement. Great Location.

Click here to learn more!

See the chart below to check the county, city or town you are interested in purchasing in.

If you have a credit score of 580 or higher you can qualify. If you have had a previous bankruptcy over 2 years ago or a short sale or foreclosure 3 years ago you may still qualify.

FHA is a great financing alternative that can help you obtain housing in the 2017 Market.

 

 

MSA Name	County Name	State	One-Family	Two-Family	Three-Family	Four-Family	Median Sale Price
LACONIA, NH	BELKNAP	NH	$275,665	$352,950	$426,625	$530,150	$200,000
NON-METRO	CARROLL	NH	$275,665	$352,950	$426,625	$530,150	$185,000
KEENE, NH	CHESHIRE	NH	$275,665	$352,950	$426,625	$530,150	$167,000
BERLIN, NH-VT	COOS	NH	$275,665	$352,950	$426,625	$530,150	$88,000
CLAREMONT-LEBANON, NH-VT	GRAFTON	NH	$275,665	$352,950	$426,625	$530,150	$184,000
MANCHESTER-NASHUA, NH	HILLSBOROUGH	NH	$297,850	$381,300	$460,900	$572,800	$259,000
CONCORD, NH	MERRIMACK	NH	$275,665	$352,950	$426,625	$530,150	$219,000
BOSTON-CAMBRIDGE-NEWTON, MA-NH	ROCKINGHAM	NH	$598,000	$765,550	$925,350	$1,150,000	$520,000
BOSTON-CAMBRIDGE-NEWTON, MA-NH	STRAFFORD	NH	$598,000	$765,550	$925,350	$1,150,000	$520,000
CLAREMONT-LEBANON, NH-VT	SULLIVAN	NH	$275,665	$352,950	$426,625	$530,150	$184,000

Just Sold by Deb Smith!
Congratulations to David & Amanda Zalewa on the purchase of their new home!

Buying a home is a process - Pelletier Realty Group can help you through it!

Here is a list of steps involved in purchasing your home:

1. Financial - What can you afford?
2. Needs - What do you need the property to have?
3. Community - Where do you wish to live?
4. Property type
5. Market data - What has sold in the area?
6. Identify available property
7. Visit properties
8. Evaluate & prioritize
9. Decide
10. Negotiate
11. Inspections
12. Contingencies
13. Renegotiate
14. Arrange for move
15. CLOSE!

If you are thinking about selling your primary home, investment property or 2nd home now is the time! Inventory is low and buyers are looking to purchase now.  There are many people looking to purchase waterfront homes, investment properties, 1st time home buyers, buyers purchasing a larger home or home buyers looking to downsize.  Pelletier Realty Group can provide you a FREE MARKET ANALYSIS of your home. Pelletier Realty Group is committed to providing professional yet personal services to help you sell your property for the right price. In today's complex NH real estate market, you need experience, creativity and diligence. Pelletier Realty Group partners with you and represents you and owes you our loyalty and confidentiality. We'll Make it Happen!

         

Come check out this spacious 3210sqft home, sitting on 2.41 acres! With beautiful views, this home includes 4 bedrooms, 3 bathrooms, a master bedroom with deck, an in-law apartment, updated septic and windows, and a 2 car attached garage. This home is an excellent value at $229,900!

According to NH Association of Realtors, NH residential Home sales are up 10.5% over November of last year. The inventory levels are at a 7.7 month supply, which is considered a balanced market. Now is a great time for both buying or selling a home. Pelletier Realty Group is a full-service NH Real Estate agency which can navigate you through the process of Buying or selling your home

 

 

What in the World is TRID?

Well, first off let me say that as a Real Estate Agent and not a Mortgage Broker it is easy for me to simplify this topic seeing how I am not the one preparing these required disclosures etc. TRID is not just a bunch of new disclosures and paperwork that the government(The Consumer Financial Protection Bureau(CFPB) has decided to impose on the lenders....it is actually New Closing Rules that affect all parties involved in a transaction when there is a mortgage that the buyer is obtaining to purchase a residential property.

History behind this change:

1. TRID stands for TILA-RESPA Integrated Disclosure; this title says exactly what it is; which is a combination of TILA (Truth in Lending Act) and the RESPA (Real Estate Settlement Procedures Act). Any transfer that involves a mortgage will use new disclosures required by the CFPB in order to simply matters and merge the two laws.
   • TILA, the Truth in Lending Act required lenders to layout information to all consumers when they shop for mortgages.
   • RESPA, Real Estate Settlement Procedures Act required lenders to disclose all costs involved with the transfer of a residential property.
   • With the passing of the Dodd-Frank Wall Street Reform Act after the financial crisis, the CFPB was then directed to simply the two laws and merge them.
2. This is NOW in effect as of OCTOBER 3rd, 2015.

What changes are there?

1. There will no longer be an HUD settlement statement or a Good Faith Estimate (GFE) now there will be a new LOAN ESTIMATE & CLOSING DISCLOSURE.
2. Lenders will have to tell consumers (Loan Estimate) what the costs for the loan are within 3 business days of a loan application. Loan providers will also have to provide more precise figures for the borrowers.
3. The buyer will have to know precisely how much the transaction will cost 3 DAYS prior to the transaction.

How will this affect the Buyers and Sellers?

1. Consumers have 10 days to decide if they want to go forward with the loan after receiving the Loan Estimate. Some items will be estimates but most charges itemized will be actual true costs.
2. Both Buyers and Sellers need to know if there are changes then the timeline will be affected.
3. TILA will be in effect for ALL LOAN TYPES!
4. Final week of transfer the Closing Disclosure must reach the consumer 3 DAYS before closing act

What flexibility is there prior to closing?

1. There are changes that can be made several days before the closing or at the closing table with the EXCEPTION of the following:
   • The interest rate changes on a fixed rate by an eighth of a percent or a quarter of a percent on an adjustable rate.
   • Consumer changes their rate from fixed to adjustable.
   • Lender changes to mortgage terms by adding prepayment penalty.

How does this affect the Purchase and Sales?

1. Add an additional 2 weeks to the previous timeframes from an effective contract to closing.
2. Complete the final walk through several days prior to closing instead of 24 or 36 hours.
3. The new closing rules apply to the residential market and do not apply to commercial sales or all cash sales.
4. The Home Buyer Closing Disclosure will typically be prepared by the lender instead of the title companies.

The Real estate industry is now starting to work through these changes and learn to adjust the contracts, timeframes, and content in order to adhere to the new rules. These new rules may seem foreign and confusing but as we become familiar with all these changes it will start to be as common as an HUD and GFE.

You can read more at www.consumerfinances.gov