Tag Archives: nashua real estate agent

Fantastic Location in Epsom, NH

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Welcome to 150 Goboro Rd in Epsom, NH!

Close to everything…shopping, highways, lakes region…yet so private surrounded by trees.  Huge fenced backyard for pets or children!  New wall of cabinets with dishwasher, large light filled living room, and fantastic screened porch to enjoy that backyard!  Great home for first time home-buyer! Nothing to do but move in and call it home.

1,330 square feet on main floor and 629 square feet finished in lower level! BIG.

1,330 square feet on main floor and 629 square feet finished in lower level! BIG.

Call or email me for more information! 603 305-1922 or

Jenn @ TopNHhomes.com (remove spaces)

Private fenced backyard with character! Fantastic screen porch to enjoy the surroundings.

Private fenced backyard with character! Fantastic screen porch to enjoy the surroundings.

MLS4381250 3 bedroom, 1 bath, finished basement with another bath, screened porch, wooded private lot with fenced backyard, 1,330 SF above grade with 629 SF below grade with full windows and 2-car garage! All for $220,000.

Facebook: TopNHhomes

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Nashua’s Mill Revival

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NashuaMillyard

The Mill-yard Smoke Stack – the green at the bottom of this picture is all the crumbled bricks from one of the buildings being razed.

It’s finally happening.  I grew up in Nashua and have always loved the downtown area.  Back in high school (when there was 1), I would take the city bus to the downtown station and walk up Main Street to my part-time job at an eye doctors office on Concord Street.  My stops included the soda counter at Woolworth’s, Espresso Pizza, Alex’s Shoe store (when it was located on East Pearl), and lots of window shopping.

This is the first post on the Nashua mills.  I’ve been taking photos of the mills for a number of years and this will be my outlet for those photos.

-Just my thoughts. -Jenn

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What’s that vacant lot next door to my home?

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As both a real estate agent and an appraiser, I look at the entire neighborhood, not just what’s next door.   I can remember a property in Merrimack I was working on at the end of a cul-de-sac.  Nice quiet neighborhood, but through my research you could see the subdivision ends with a couple large lots, one of which is zoned for commercial uses.  It was just under 100 acres with frontage on a main route.

Here's the GIS map of the same area now.

Here’s the GIS map with the zoning overlay of the area now.  The R is residential, the C-2 is commercial area that was in place, but the large commercial building was built after.

Sure enough a few years later a large “box” store opened and you could definitely hear, and “see”, the noise through the neighbors yard.    Can you imagine buying your new home on this quiet cul-de-sac, and then a few years later having this happen?

Cul-de-sac in Merrimack, NH

Cul-de-sac in Merrimack, NH

So here are a few ways you can find out for yourself (if I’m not your agent):

  1. Google maps is the easiest first step.  Zoom in, do the street view (little yellow man icon) and look around.  Of course Google Earth is stunning, A 3D globe.
  2. My favorite is using a GIS viewer you can usually find on a towns website.  Do a search for GIS and the name of the town/municipal location.  GIS stands for Geographic Information Systems and it is an overlay mapping system combing lots, zoning, wetlands, and all sorts of information.  For more information about GIS mapping here’s my previous post on GIS maps in New Hampshire communities.
  3. Online deeds and/or plans.  Here in New Hampshire we have www.NHdeeds.com and you can look up your deed in most counties.  From the deed you can get the subdivision plan # in many cases.  Enter the plan # and you get the subdivision plans.  Really great information!

My point is to look at the surrounding land, the uses.  I can hear my clients say: “but Jenn, we don’t mind that…”

It could be the property is one street over from a major highway, a property with only 2-bedrooms, or industrial zoned land next door, they may not perceive it as a negative.

Key Point:
Do the majority of home buyers see it that way?  I help my clients become informed, for the future marketability of the property.

 

 

 

 

What is the difference between a Superfund site and a Brownfield?  Check out an earlier post: http://jennifercote.info/superfund-or-brownfield/

Just my thoughts. –Jennifer Cote- Everything Real Estate

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Financing Manufactured or Modular Houses.

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This is a continuation on my post titled:  “Trailer, Manufactured, or Modular?”

One more point on the differences between a manufactured or modular home is the types of loans you can get.  When trying to mortgage a modular home you would be looking at typical mortgage products because the dwellings are built to local codes and comparable to a stick-built (wood framed) property.  Overall it’s fairly typical.

Financing a manufactured home is different.  Not every lender will finance a manufactured home, and the rates can sometimes be higher.  One of the reasons for this is that manufactured homes tend to depreciate in value, and have shorter life-spans than a traditional property, causing more risk to the lender.

If it was “manufactured” prior to the HUD code established 1976 it is considers a mobile home and not eligible for government backed financing, FHA, etc.  Most of these end up being cash sales due to the lack of financing available.

Depending on how “mobile” the home is will determine if it’s “personal” property or “real” property.   If it’s on wheels, not permanently attached to footings, you would most likely need to get a personal loan, not a mortgage.

Manufactured?

Manufactured?

The manufactured home market is changing.  There is now a larger demand for smaller homes and a new movement coined “The Tiny House Movement” is in full swing making manufactured homes cool.  http://www.thetinylife.com/what-is-the-tiny-house-movement/

For more information you should talk to your lender.  I am only a real estate agent and appraiser, not a mortgage professional.

Just my thoughts. ~Jenn

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Can I Sell My House Short?

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One of the key elements to selling a house as a short sale will be proving a hardship.  See my post on hardships.

Need Help?

Need Help?

When I list a short-sale I provide my clients with some choices for a short-sale negotiator, this is the person who will be working with your lender.  The sellers lender will typically pay the costs to sell the house, from the real estate fees to the negotiator fees.  There still may be some associated fees which the negotiator may be able to explain and will often depend on the lender.

Buying or selling, every case is different and there are no guarantees, but working with a professional who has experience in short-sales is the key.  The process is longer, more complicated, and the factors for listing can be different than a traditional sale.  I go over all this with my clients.

If you have any questions, or need help, please contact me.

-Just my thoughts.  -Jenn Cote

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Nashua’s Central Fire Station Repurposed?

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Banner Nashua Central Fire Station

How about we do something with this downtown building?

I enjoy taking pictures of interesting buildings. This one was once the Nashua Arts and Science Center. Look at the corbels, the arched window headers, the brick detail on the gable, and what’s with that window air-conditioner? Yikes

I liked the picture so much I used it on my Facebook Page for a while, and started to look into the significance of the 1870 date.

Well, I learned quite a bit of Nashua history in my search, but I’ll focus on this picture. It’s the original Central Fire Station, which is on what’s now known as Church St. I wish it had a better use, looking a bit run down now.

Central Station in Nashua, NH back in time.

The Nashua NH Central Fire Station

Going by the Central Station countless times in the previous 3 decades,  I never noticed the tower on the back left of the building until I saw this picture.  Old fire houses had a bell tower…that was the fire alarm for the neighborhoods around it. Most bell towers have been removed due to structural deterioration. Look at the bell tower in this old postcard photo of Central Station.

 

Lowell Central Repurposed
Lowell Central Re-purposed

 

Here’s a good example of a re-purposed fire station in Lowell, MA.  It’s now a restaurant and offices.  Beautiful building from the street.  Notice the bell tower is still there.

You can find a great history of Lowell firefighting:  Lowell Fire Fighting by: J.T.Strunk.  My uncle Gerry was a Captain at this station before it (and he)retired.   I would love to see Nashua do something with the old fire house.

Hmmm, Visualize Nashua?

If you’d like to know when I post another article on this topic “like” my Facebook page: Facebook.com/TopNHhomes

Just my thoughts. -Jenn

Resources:

www.nashuahistory.com

“Nashua’s Central Station to Close” -11/12/1970 Nashua Telegraph-

http://www.firenews.org/nh/n/nashuanh.html

http://www.nh.searchroots.com/documents/Hillsborough/History_Nashua_NH_7.txt

http://news.google.com/newspapers?nid=2209&dat=19701112&id=0JgrAAAAIBAJ&sjid=p_UFAAAAIBAJ&pg=5756,1378818

http://www.TopNHhomes.com

http://www.JACoteAppraisals.com

Homes of Character in Nashua, Hudson, Hollis, Milford, Merrimack, Pelham, NH Real Estate, Land and Homes, Windham property.

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Government Sponsored Program Helps Families Buy a Home.

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The government has a sponsored program that can assist lower-income households purchase a home with a low or even no down payment.  One of my favorites is the Rural Development Loan program. 

Rural Development Loans are available in these New Hampshire communities: Amherst, Bedford, Brookline, Hollis, Lyndeborough, Mason, Mont Vernon, New Boston, and Wilton.  For a full list of New Hampshire towns, and income requirements, read the FACT SHEET.

The ineligible area list for NH is far smaller: Concord, Derry, Hudson, Keene, Nashua, Londonderry, Manchester, Merrimack, Portsmouth, Rochester, Salem, parts of Goffstown and Hooksett.

Not all lenders can do Rural Development loans.  Contact me for more information.


More information:

Federal Site: http://www.rurdev.usda.gov/rhs/

Local NH/VT office: http://www.rurdev.usda.gov/vt/

State by State: http://www.topnhhomes.com/FinanceAgencies

-Just my thoughts.

Jenn

www.TopNHhomes.com
www.JACoteAppraisals.com

*Information is from the rural development government websites listed above.  I am not a mortgage professional.  This is for informational purposes only and you should do your own due-diligence.  Contact me and I can guide you to the appropriate resources.

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