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Dave Hall and The NH Home Market.com Blog
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NH Real Estate Consultant. NH Residential Resale, NH New Construction, land, Development, Investment
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NH Home Market Launches new Waterfront Real Estate Division


NH Home market.com is now please to announce that we have made it easier to find NH waterfront Homes and real estate.
Simply goto NHHomeMarket.com and click on the NH waterfront directory. There you will be able to searh for all NH waterfront Homes by lakes or by ocean.
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NH short sale property specialists
NH Short Sale properties and NH Short Sale Real Estate for sale are easy to find using our quick link format.
As agents at NH Home Market, we have found significant buying activity in the short sale market over the last year and believe it will continue to fill a large sector of the market, at least until the onslaught of inventory begins to be absorbed. We project that the quantity of NH short sale homes for sale are going to continue well into the next year. By keeping current on new listings and changes in policy, we can better serve the broad audience of potential buyers for these NH short sale properties. We offer valuable insight into the interesting world of "Asset disposition", " Loss mitigation" and "Forclosure avoidance." Let us help you with your NH short sale, and understand why both you and the banks stand to benefit from a short sale raher than a forclosure.
If you are a NH home owner looking to sell your property in a short sale, it is imperative that you work with a leader in the short sale market. Let us explain the behind the scenes workings of "loss mitigation" and forclosure avoidance. Banks are motivated to work with home owners, let us explain why!
As a buyer of discount real estate let our team assist in putting together an investment scenario based on needed work and potential upgrades, working with our team of builders and subcontractors....kind of a soup to nuts approach on investment purchases. Let us help you through the "as is" benefits and drawbacks of bank owned representation. We will work with you in pursuit of all relevant information on a property so that you can avoid walking into big uncertainties. If you're thinking the time is right for a purchase or would like to start tracking activity and receiving current short sale listings, please contact us for more information. We are the NH short sale and NH bank owned properties experts
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Understanding the Current Housing Cycle
| Understanding the Housing Cycle |
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It should come as no surprise to the reader that over the last ten to fifteen years housing costs have risen dramatically and recently they have fallen significantly.
This paper will attempt to explain the following conclusions:
The housing market is normally in a “growth mode” (where new homes are required to accommodate an increasing population) or a “retraction mode” where the supply of existing homes is more than sufficient to accommodate demand. When in the growth mode, home values are closely related to the cost of new homes (replacement value); when in the retraction mode, all bets are off.
The cost of building a house (the bricks & mortar) has, over the past several decades, increased, by almost exactly the same percentage as the cost of living (CPI);
The total cost of a new house, including land, has increased by a much greater amount;
The runaway cost of housing is due to rapidly increasing lot costs, resulting from:
- A decreasing supply of land, and;
- Zoning and growth limitation changes which have greatly reduced “yield” from a parcel of land and created restrictions on market forces, a major factor in causing a rapid increase in lot costs.
An increase in lot cost results in a “multiplier effect” which causes housing costs to increase by more than the increase in the lot cost, as well as the structure.
Artificial constraints like building permit limitations, impact fees, etc. result in higher lot costs which, owing to the multiplier effect, push housing costs even higher.
To see the rest of this article please click here to goto www.NHHomemarket.com and the National Housing Cycle
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NH Bank Owned Properties, REO and Short sales
As agents at NH Home Market, we have found significant buying activity in the bank owned market over the last year and believe it will continue to fill a large sector of the market, at least until the onslaught of inventory begins to be absorbed. By keeping current on new listings and changes in policy, we can better serve the broad audience of potential buyers for these bank owned properties. From first time homebuyers, to those acquiring their first investment property, to seasoned investors and flippers, the increase in discounted properties on the market offers once in a lifetime opportunities to invest in the tangible returns only offered by real estate. We can also assist in putting together an investment scenario based on needed work and potential upgrades, working with our team of builders and subcontractors....kind of a soup to nuts approach on investment purchases.
Read more about NH Bank Owned properties
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Things to know before buying New Construction
Top 10 things you should know about Buying New Construction.
10. Proper planning produces proper performance. Where is the septic going to go? What is the sun's orientation? Where is the house going to be situated on the lot? Is there enough room for the pool or the future barn? Should we buy the land first or design the home to fit the land? There are a million questions you could consider; each building project is unique. Some of the significant questions involve whether or not there is a walk-out basement, a pool, deck or patio, sun's orientation, etc. If a walk-out is a must you need to find a lot that will accommodate a house design with a walk-out. This may seem obvious, but it is often overlooked or misunderstood. If you are designing a passive solar home as part of a green construction project, then the lot's orientation to the sun is very important. Prioritize, gather information, consult and render an opinion, then realize that your requirements may need modification.
9. Own the plans. By owning the plans you keep your options open relative to meeting with several different builders. Be careful of plans bought from the internet or magazines. Many of these plans may have to be redrawn in order to meet state and local building codes. Ask around and work with a local designer or architect who knows the area. Some builders may own their own plans but they may be willing to sell the right to reproduce their plans with another builder.
8. Shop the plans to several builders. Create a full detail of what the builder is going to be asked to price. The price may only be as good as the information given to them. Many times I hear, "Bob the builder is building at $125/sqft and you are @ $150/sqft." I will then ask, "What is he quoting for allowances? What type of materials are they using? Where are the plans? What are your expectations and what level of quality are you looking for?" Often the information is incomplete and needs more clarification.
Read More about the thing s you should know before buying new Construction
Click on the Link above to view these helpful hints.
David Hall is the founder of www.NHHomeMarket.com
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Fixing a Blackberry Roller Ball/Tract Ball. Many Agents have them, but what if they stop working!
Fixing a Blackberry Roller/Tract Ball

If you have a Blackberry 8830, or similar Blackberry cell phone that has the roller ball, or tract ball as some people call it, and your ball isn't working, I may have some suggestions which may help.
I found what started to be some general ideas about fixing this problem by Googling, "fix blackberry roller ball", or "fix Blackberry rollerball".
The posting I click on said to take the roller ball out of the phone by inserting a stiff and sharp needle under the silver exterior shroud that surrounds the roller ball. It suggested putting an embroidery needle under the shroud between the letters T and Y as seen on the phone keyboard.
Since I didn't have an embroidery needle handy, and to be honest, didn't know the difference between an embroidery needle and a standard needle, I use the next best thing, a pen. This may have been a mistake as I have since removed the shroud on multiple occasions with a pen and it has caused damage to some the shrouds teeth. I suggest you think twice about using a pen. The shroud has three sets of teeth that if mishandled when putting back on can become bent and cause the silver shroud to be reseated in a lopsided manner. As you pry up the shroud, note the orientation and location of the teeth. This is going to be important when you put the shroud back on.
Once you have removed the shroud tip the phone over and the roller ball and roller ball housing should drop out of the hole in the phone. If is doesn't drop out, GENTLY pry it out.
Now the fun begins! Before doing anything else, look very carefully at the configuration of the roller ball housing. You may want to take a picture of the housing unit as you take it apart.
The roller ball housing is made up of several parts. The housing consists of the roller ball, the roller ball top holder, the base unit, a silver clip that hold the top holder and base unit together and the magnetic pins. I don't know what the designer call these parts, but since I am the one taking the time to write this post, I will call them whatever I want.
Before you take the roller ball housing apart run the tip of a small needle around the top of the roller ball. There is a good chance you may be able to dislodge some of the lint or debris that is preventing the ball from moving in all directions. If the roller ball is encountering resistance in a specific direction, then this the likely spot where there the obstruction is located. In hindsight, I probably could of saved a lot of time doing this before I disassembled the roller ball housing.
If you decide to proceed and take the housing apart it is critical to put it back together the same way. Pay special attention to the bottom base unit and how it fits with the roller ball top holder. Putting these two together is the time consuming and frustrating part. It is going to take the patience of MacGyver and the dexterity of a Cirque de Soleil performer, but know that if this guy can do it, ANYONE can.
Once all the pieces are out, soak the ball in rubbing alcohol. This tip was taken from another posting I saw on the web. Take a cotton swap and clean the dirt from the inside of the roller ball top holder. I was surprised to see how much lint build-up there was on the inside of the roller ball housing. Note the picture of the needle. To the right of the needle is the lint I pulled out of the housing. Once you have removed all of the debris, start by dropping the roller ball into the upper roller ball housing. Try to keep the silver clip in its original position, as this clip, once separated from the roller ball housing needs to go back on a certain way. Trial and error finally exposed the one right way for me. Note that the silver clip and the bottom base connect and are secured by the very small wings on the silver clip that needs to be folded over in order to keep the two together.
Steps for assembly:
1. Drop the ball into the upper roller ball housing
2. Insert the magnetic pins, remembering how they were oriented when you took the housing apart.
3. Replace the base. It will only fit one way.
4. Secure the upper and lower housing using the silver clip.
5. Carefully fold the small wings of the silver clip over so the two sections stay attached.
6. Replace the reassembled housing back into the phone
7. Carefully replace the silver shroud.
Done!
One quick tip I also realized is that the roller ball housing can be taken out of the phone and rotated to provide a temporary fix which will allow continued use of the phone and its programs. The trick is to align the roller ball direction that is not working to the left directional spot. By doing this you can still go up and down and to the right. By using the back button you can return to the home page and start again if necessary.
As a Real Estate Agent, developer, and custom home builder in Southern NH, I regrettably live on my phone. I hope this helps and would love to hear any feedback. If anyone is looking for a real estate agent in Southern NH to refer business to, or knows someone who is buying or selling real estate in NH, please keep my name in mind.
Good Luck!
David Hall
Dave@NHHomeMarket.com
http:www.nhhomemarket.com
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Amherst NH Real Estate $379,421

Amherst NH Real Estate
Beautifully updated Amherst NH home located within walking distance to Historic Amherst Village, schools, and ball fields. One acre lot within a neighborhood setting includes new hardscape and mature plantings with deck overlooking private backyard, as well as a 3 season room and separate screened porch for ample outdoor enjoyment. Freshly painted interior boasts authentic trim detailing, new baths, 2 fireplaces and hardwood floors. This home offers a formal dining room and great flow for entertaining with family room centrally located off of eat-in kitchen. Master suite with private bath, dual sinks, walk-in closet, and easy access to additional storage. Completely remodeled upstairs bath features marble tile. First floor laundry and 4th bedroom. Exterior updates include newer roof and high efficiency windows. For the latest in Southern NH real estate news and market trends, visit Premier NH Homes.


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Bank owned pricing! No Bank owned Headaches! Mont Vernon NH Real Estate
399,000 New Price Reduction This home is not Bank owned! Priced as if it were, but without the Bank Owned Headaches! No long waiting periods to hear responses, just serious, got to sell this home pricing! All reasonable offers will be considered! New Construction! Wonderful neighborhood! Granite counters, Hardwood floors, formal rooms with detailed moldings and trim, mahogany deck, walk-up attic, walk-out lower level, privacy, abuts open space. Opportunities like this don't come very often.
Located in Mont Vernon this home is situated in a 12 lot subdivision nestled in the foothills of Southern NH.
This neighborhood is located within walking distance to Historic Mont Vernon Village. Mont Vernon is just North of Milford NH. It shares the same high school with Amherst NH. Real estate in this part of Southern NH is sought after due to it close proximity to the Massachusetts border.
Mont Vernon Real estate has often been considered a good value as it tends to be more affordable than it's neighboring Amherst NH real estate.
This home offers close to 2700 square feet of living space. There are granite counter tops in the eat-in kitchen as well as a utility prep sink located in the island. Hardwood flooring is present throughout the lower level.
The bright and airy family room features a vaulted ceiling and gas fireplace with granite surround along with hardwood and a Brazilian cherry inlay. 
The formal dining room is showcased with crown, shadow boxes and chair rail moldings.
The downstairs laundry has a built in folding table along with a storage cupboard for cleaning supplies.
The stair case offers hardwood treads with a mahogany handrail and custom milled decorative spindles.
The walk up attic has been designed for future expansion. The builders have already rough plumbed all necessary line for a future furnace and connections to an a/c unit. There is power and telephone and cable runs as well. In the basement there is a full walkout slider. The builders have also roughed plumbed for additional living space in the lower level. The drain lines for a bathroom have been installed under the floor. This home features A/C, and force hot air with integrated humidification.
The lot is situated on 1.9 acres of land which slopes off to the rear. This lot is adjacent to protected open space and is stones throw from a beautiful conservation trail. This walking trail leads to the center of Mont Vernon Village and also to a 100 acre town owned piece of conservation land.
David Hall, the listing agent is a resident of Mont Vernon NH. If you would like to receive up to date MLS listings for any town in NH click on the Southern NH Real Estate for Sale. For New Hampshire and nation real estate news click this link.
Contact David Hall Brin Realty Group Amherst NH Office: 603 672 2727 Cellular: 603 345 5802 (Preferred call back #
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The difference between CURRENT USE and a DISCRETIONARY EASEMENT
Many of you I am sure are aware of current use, but many may not know what about discretionary easments. Like current use, they are designed to give tax relief to land owners while preserving the land from development. One very important difference between the two is that a discretionary easement has a time frame associated with it. Normally, not less then ten years and potenially a lot longer, land that is in a discretionary easement cannot be developed until the easment expires. This can greatly affect one's ability to use the land as they would like. Unlike current use which stays in effect until the land use is changed, Discretionary Easements cannot be withdrawn prematurely without demonstrating a severe personal hardship. And guess what? The loss of money due to an inability to build or develop is not considered a hardship. I learned this first hand. I am thankful that the piece of land I purchase had a discretioary easement which expired two years after I purchased the property.
Now here's the good news. Unlike current use, when land comes out of a discretionary easment, it all comes out in its entirety and then starts to get assesed at fair market value. With current use, large parcels that are developed only come out of current use lot by lot. Instead of removing the whole piece from current use, the value of each individual lot is asses when determining the current use tax. Suppose you have a fifty acre piece of land assesed at 300k. If the whole thing were able to come out the current use penalty would be 10% of the assesed value which equals $30,000. Now take that same land and develop it into 10, five acre lots which has a value of $150,000/lot, and then see what the current use tax looks like. If based upon each indivudual lot. $150,000 x 10% = $15,000/lot. Then multiply $15,000 x 10 lots and you get a wopping $150,000.00 current use bill.
So if you got land and don't want to use it for at least ten years consider a discretionary easment. Just rember once it goes in, it ain't coming out until it expires.
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Luxury Home Builder in Southern NH
If you have buyers looking for a custom home builder Please keep in Mind the Hall and Hall Group. We have a great working relationship the Real Estate Community.
David E. Hall is affiliated with The Brin Realty Group. Amherst NH, 603.672.2727. Cell 603.345.5802
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