There are some hopeful signs that New Hampshire’s real estate market may improve ever so slightly in 2025.
No one is predicting dramatic real-estate market changes in the coming year, due largely to the long-standing problems of not enough homes for sale across the state and not enough new homes being built.
But industry leaders and market-watchers say they’re nonetheless encouraged by data showing that home sales and new listings actually increased statewide in 2024 – and most signs point to that trend continuing into 2025.
Meanwhile, those same experts also say they’re hopeful a new Republican governor, Kelly Ayotte, and an expanded GOP majority in the Legislature can work together to more aggressively address the lack of housing construction in New Hampshire.
And the prospect of further Federal Reserve interest-rate cuts later this year, on top of last year’s rate cuts, could further help the state’s real estate market, officials say.
“New Hampshire is in pretty good shape,” said Adam Dow, chief executive of the Dow Group at Keller Williams in Wolfeboro.
“Things started picking up late last year. Business seems faster now than it did this time last year, much faster.”
Not everyone agrees.
“Sadly, I don’t see a lot of change – not with inventory still so low,” said Susan Bradley, associate broker at Coldwell Banker Realty in Gilford. “The lack of inventory is still the big problem.”
From closed sales to interest rates to new leaders in Concord, following are some of the trends and issues industry officials expect to see in the coming year.
Sales and Listings
According to the New Hampshire Association of Realtors, there was a welcome increase in home listings in 2024, after a long period of
falling deal counts and homes on the market. New listings were also up last year, by 7.5 percent, to 14,548.
Closed single-family sales were up down 5.48 percent through Nov. 30 compared to 2023, according to the most recent data from The Warren Group, publisher of The Registry Review.
And no surprise at all due to the huge home supply-and-demand imbalance in New Hampshire: The median single-family home price continued to climb last year, by 10.68 percent, to $487,000, The Warren Group reported.
Continued on Page 12
BY THE NUMBERS
County Close-Up Merrimack
Bradford is home to a rare quaking bog, a wetland where a peat bog has formed on top of a layer of water or very waterlogged soil thick enough to walk on. The bog’s surface ripples when stepped on, sometimes causing trees that grow in it to sway.
“They’re filled with
Belknap County
Judith A. McGrath, Registrar 64 Court St, Laconia, NH, 03246
603-527-5420
Alton
▶ REAL ESTATE SALES
217 PROSPECT MOUNTAIN RD $875,000
B: Dustin Pritchett & Rae Pritchett
BAddr: 217 Prospect Mountain Rd ALTON NH 03809
S: Rachel E Ledger & Jonathan W Ledger
Bk/Page: 3661/23, Date: 01/03/25
Mtg: LoanDepot Com $250,000
Term: 2055
Use: 3 Bdrm Colonial, Lot: 278784sf
Prior Sale: $530,000 (06/21)
NO STREET GIVEN $233,333
B: Kathryn C Kardinal, Tr for Kathryn C Kardinal T
BAddr: 66 Canney Hill Rd GILMANTON IRON WORKS NH 03237
S: Joanna L Stockton
Bk/Page: 3660/486, Date: 12/30/24
NO STREET GIVEN $233,333
B: Kathryn C Kardinal, Tr for Kathryn C Kardinal T BAddr: 66 Canney Hill Rd GILMANTON IRON WORKS NH 03237
S: Joanna Stockton
Bk/Page: 3660/493, Date: 12/30/24
NO STREET GIVEN $245,000
B: Andrew E Paulhus & Erin M Riordan-Paulhus
BAddr: 98 Oregon Rd ASHLAND MA 01721
S: Anthony J Orrino & Frances P Orrino
Bk/Page: 3660/351, Date: 12/30/24
NO STREET GIVEN $285,000
B: Shannon R Ryan & Joseph A Vano
BAddr: 104B Pleasant MEREDITH NH 03253
S: Locke Elizabeth G Est & Stephen P Locke
Bk/Page: 3660/814, Date: 01/02/25
Barnstead
▶ REAL ESTATE SALES
NO STREET GIVEN $356,933
B: Robert W Starkey Jr
BAddr: 178 Central St BOYLSTON MA 01505
S: Bronson F Cooke 3rd & Deborah A Peloquin-Cooke
Bk/Page: 3660/740, Date: 01/02/25
Belmont
▶ REAL ESTATE SALES
LAMPREY RD $80,000
B: Cjc Re Holdings LLC
BAddr: Po Box 7405 GILFORD NH 03249
S: Mary B Caron, Tr for N P & Mary B Caron RET
Bk/Page: 3660/420, Date: 12/30/24
Mtg: Mary B Caron Tr $80,000 Gilford
▶ REAL ESTATE SALES
663 CHERRY VALLEY RD U:304 $239,000
B: Susan Laite
BAddr: 7 Truman Ave PLYMOUTH MA 02360
S: Mark Smith & Francesca Smith
Bk/Page: 3660/260, Date: 12/30/24
Mtg: LoanDepot Com $125,000
Term: 2054
Use: 2 Bdrm Condo
Prior Sale: $58,000 (08/15)
41 GLENDALE PL U:7 $97,533
B: Lake Winni Properties LLC
BAddr: 49 Glendale Pl 1 GILFORD NH 03249
S: Darryl English, Tr for Darryl English T
Bk/Page: 3660/516, Date: 12/31/24
Mtg: Darryl English Tr $92,625
Use: Office Condo Unit
Prior Sale: $27,000 (12/08)
VILLAGE WEST CONDO U:D $175,000
B: Gc Six Hundred Three LLC
BAddr: Po Box 6623 LACONIA NH 03247
S: Parrish Investments LLC
Bk/Page: 3661/64, Date: 01/03/25
Use: Condo
NO STREET GIVEN $850,000
B: Richard M Farina, Tr for Richard M Farina RET BAddr:
NO STREET GIVEN $233,333
B: Kathryn C Kardinal, Tr for Kathryn C Kardinal T
BAddr: 66 Canney Hill Rd GILMANTON IRON WORKS NH 03237
S: Joanna L Stockton
Bk/Page: 3660/490, Date: 12/30/24
Laconia
▶ REAL ESTATE SALES
108 CHURCH ST $380,000
B: One Hundred Eight & 112 C
BAddr: Po Box 396 CHESTER NH 03036
S: Alexander Properties LLC
Bk/Page: 3661/71, Date: 01/03/25
Mtg: Stormfield SPV I LLC $767,000
Use: 3-Family Family Flat, Lot: 5227sf
Prior Sale: $150,000 (06/97)
112 CHURCH ST $500,000
B: One Hundred Eight & 112 C
BAddr: Po Box 396 CHESTER NH 03036
S: Alexander Properties LLC
Bk/Page: 3661/73, Date: 01/03/25
Use: Apartment Bldg - 4-8 Units, Lot: 8712sf
HARLAN ST $350,000
B: Frank T Pasquarello
BAddr: 8 Brewster Rd ARLINGTON MA 02476
S: Jake P Tavano & Beverley G Tavano
Bk/Page: 3660/788, Date: 01/02/25
236 MORNINGSIDE DR $490,000
B: Alissa Tanner
BAddr: 11414 Corolla Dr FREDERICKSBURG VA 22407
S: Lisa M Gemelli, Tr for Thomas Gemelli Sr Ft
Bk/Page: 3660/889, Date: 01/02/25
Mtg: Kind Lending $441,000
Term: 2055
Use: 2 Bdrm Ranch, Lot: 15682sf
Prior Sale: $215,000 (09/16)
97 NEW SALEM ST $950,000
B: Knm Holdings LLC
BAddr: 518 Shore Dr LACONIA NH 03246
S: 77 New Salem St Rlty LLC
Bk/Page: 3660/646, Date: 12/31/24
Mtg: A E Mitchell Dev & Mg $950,000
Use: Mixed Use-Prim Comm & Other, Lot: 20909sf
Prior Sale: $195,000 (12/17)
268 PINE ST $535,000
B: Michael Clark & Patricia Clark
BAddr: 29 Exeter Pl LACONIA NH 03246
S: Knm Holdings LLC
Bk/Page: 3660/606, Date: 12/31/24
Mtg: Fairway Ind Mtg $480,000
Term: 2054
48 WEBSTER ST $399,933
B: Richard J Morten
BAddr: 35 Merrimac St B LACONIA NH 03246
S: Ronald J Desfosses
Bk/Page: 3660/544, Date: 12/31/24
Mtg: Northeast Home Loan $379,905
Term: 2054
Use: 2-Family Two Family, Lot: 8775sf
Prior Sale: $200,000 (12/22)
NO STREET GIVEN $235,000
B: Daniel R Brown & Linda P Brown
BAddr: 209 Belknap Mountain Rd GILFFORD NH 03249
S: Akwa Vista LLC
Bk/Page: 3660/378, Date: 12/30/24
Meredith
▶ REAL ESTATE SALES
BROOK HILL CONDO U:80 $650,000
B: Mariya S Vidanovic
BAddr: 50 Park St 42 BROOKLINE MA 02446
S: Brook Hill Holdings LLC
Bk/Page: 3661/61, Date: 01/03/25 Use: Condo
31 STONEDAM ISLAND RD $700,000
B: Sean M Barnett & Shelly R Barnett
BAddr: 1 Chanadler Ave LONDONDERRY NH 03053
S: Sheila E Taylor & Kenneth J Taylor
Bk/Page: 3660/861, Date: 01/02/25
Mtg: Meredith Vlg Svgs Bk $630,000
Term: 2055
Use: 3 Bdrm Ranch, Lot: 20909sf
Prior Sale: $249,000 (09/15)
Sanbornton
▶ REAL ESTATE SALES
360 BLACK BROOK RD $1,825,000
B: Dennis Kramer & Elizabeth Kramer
BAddr: 52 Walnut St NEEDHAM MA 02492
S: Douglas W Rasp, Tr for Rasp Lake Property T
Bk/Page: 3660/931, Date: 01/03/25
Mtg: Cross Country Mtg Inc $1,225,000
Term: 2055 Rate: 6 3% Type: Adj
Use: 3 Bdrm Conventional, Lot: 12632sf
Prior Sale: $661,300 (11/10)
DOCTOR TRUE RD $383,000
B: John Terry & Carol Terry
Carroll County
Lisa Scott, Registrar
95 Water Village Rd (Rte 171), Ossipee, NH, 03864
603-539-4872
Bartlett
▶ REAL ESTATE SALES
34 RIVERBEND RD $825,600
B: Cc Russo Inc
BAddr: Po Box 152 GLEN NH 03838
S: Jolaine F Muldoon
Bk/Page: 3804/625, Date: 12/30/24
Mtg: Union Bank $660,440
54 WILLHELM PL $555,000
B: Tania M Clements & John K Clements
BAddr: 262 Mount Vernon Ave NORTH ATTLEBORO MA 02760
S: Janet Montgomery
Bk/Page: 3804/711, Date: 12/31/24
Mtg: Rocket Mortgage LLC $444,000
Term: 2054
Use: 3 Bdrm Chalet, Lot: 25700sf NO STREET GIVEN $550,000
The information appearing in this newspaper is taken from deed and mortgage documents filed at each of the ten registries of deeds in the state. All property transfers with a sales price of at least $100 and all term-mortgage documents are collected.
Whenever possible, we combine the separate deed and mortgage documents so that we can present one complete record of the street address, purchase price, lender and mortgage amount. When we cannot link a deed with a mortgage (and vice versa) each transaction appears individually.
Real estate records are organized alphabetically by registry, then town, then by street name.
The amount appearing on the same line as the street address is the purchase price from the deed. We print “No Amt Given” when the amount did not appear on the document we review. “No Street Given” appears in place of the street address when it was not available.
The volume, page of the deed and filing date appear for all sales.
The mortgage lender and the amount of the mortgage used to purchase the property are shown.
Any second mortgage (Mtg2) filed at the same time as the deed will also appear here.
In communities where we have a file of all properties from the assessor’s office, we provide additional property details when available. This is done by exactly matching the address and seller name from the new sales record with the address and owner name found in the property file. No descriptive data appears whenever there is any doubt that the two records are the same property.
The “Use” is based on the code the assessor assigns to each building on a parcel. Whenever there is more than one use code or more than one building on a parcel, we flag these as “Multi-use” and “Multi-bldg” respectively.
These deeds transfer title to the lender after the mortgage is foreclosed (unless there is a higher bidder at the auction.) The amount in these transactions is usually the amount of the outstanding mortgage that was foreclosed.
• The first two buyer (B) names and seller (S) names listed on the deed are shown.
• Prior sale data appears only when the address of the new sale matches exactly with the address of the older sale in our database.
B: Stephen H Hopkins, Tr for Stephen H Hopkins RET
BAddr: 1246 Province Rd GILMANTON NH 03237
S: Holly S Faber & Heather Mick-Carito
Bk/Page: 3660/783, Date: 01/02/25 NO STREET GIVEN $1,010,000
Bk/Page: 3660/854, Date: 01/02/25
BAddr: 142 Lawndale Rd MANSFIELD MA 02048
S: Erich M Crossley
Bk/Page: 3660/514, Date: 12/31/24
ROUTE 3B $220,000
B: Dgr Financial Group LLC & Peter G Latucky Jr
BAddr: 20 Wildlife Blvd BELMONT NH 03220
S: Douglas S Wentworth, Tr for Douglas S Wentworth RET
Bk/Page: 3660/429, Date: 12/30/24
Bk/Page: 3804/531, Date: 12/30/24 Jackson
▶ REAL ESTATE SALES
NO STREET GIVEN $800,000
B: Anabelle Darby
BAddr: 44 Fanum Ln JACKSON NH 03846
S: Christopher A Darby & Kimberley R Darby
Bk/Page: 3804/381, Date: 12/30/24
• “Use” distinguishes residential homes from land sales and commercial sales.
• For residential homes, the number of bedrooms and house style appear when available
• The lot size (Lot) is shown in square feet.
▶ FORECLOSURE DEEDS
• The prior sale shows the original price paid for the property.
Please note: The information contained in this newspaper is taken from public records. While every precaution is taken, no responsibility is assumed for errors or omissions. Readers should confirm any information before taking action.
The information published in The Registry Review is taken from public and other records.
The Warren Group takes reasonable steps to provide an accurate publication, however, The Warren Group has not investigated the accuracy of the source records and does not guarantee the accuracy of those records or any part of the transcription and publishing process.
The Warren Group cautions you that public records may not reflect actual circumstances, and that the meaning of public records may be obscure. In addition, the conditions existing when a public record is filed may change with the passage of time. By accepting and using The Registry Review, you agree to use this publication for information only and only as a reference to the public records. You further agree to independently verify any published information which affects you before taking any action, forming opinions or otherwise relying on the published information in any way.
Publication of any category or item of information is dependent upon that information continuing to be reasonably available in the public records. The Warren Group assumes no responsibility for changes in public policy which may affect the availability of public information. The Warren Group assumes no financial responsibility for typographical errors.
The Registry Review ISSN 1067-0521
Published by: The Warren Group, 2 Corporation Way, Suite 250, Peabody, MA 01960
Publisher: Timothy M. Warren, Jr.
President & CEO: David B. Lovins
Associate Publisher: Cassidy Norton
The Registry Review is published every Monday for $229.00 per year. Periodicals Postage paid in Boston, MA USPS #536710 and additional mail offices.
Janet Gibson, Registrar 14 Main St, 2nd Fl, PO Box 448, Newport, NH, 03773 603-863-2110
Claremont
▶ REAL ESTATE SALES
17 FRONT ST $299,933
B: Jeremy Stone & Karen Stone
BAddr: 332 Fernwood Rd CANAAN NH 03741
S: Kevkare Properties LLC
Bk/Page: 2279/791, Date: 01/02/25
Mtg: Lighthouse Funding $224,925
Term: 2040
Use: Residential-Multiple Bldgs, Lot: 13068sf
Prior Sale: $149,900 (05/13)
21 LONSDALE AVE $270,000
B: Molly Dipadova & Jose Navarro
BAddr: 31 Chestnut St E CLAREMONT NH 03743
S: Amanda Gonyea
Bk/Page: 2279/938, Date: 01/03/25
Mtg: Bar Harbor Bk & Tr $220,000
Term: 2055
Use: 3 Bdrm Conventional, Lot: 43560sf
83 RED WATER BROOK RD $300,000
B: Dominic Pope & Marissa Pingeton
BAddr: 319 Lincoln St 2l WORCESTER MA 01602
S: Mary E Pierson
Bk/Page: 2279/866, Date: 01/03/25
Mtg: LoanDepot Com $270,000
Term: 2055
LEAR HILL RD $135,000
B: Matthew J
2279/915, Date: 01/03/25 67 MUMMERY RD E $264,000 B: Jodie
Plainfield
Mtg: Keystone Funding $687,999
Term: 2054
Use: Use not provided by assessor, Lot: 34412sf
WILDCAT RD $200,000
B: Jeremy Bassett & Tyler Bassett
BAddr: 55 Bassett Dr BARRINGTON NH 03825
S: Kathryn Reed, Tr for Bassett Ft
Bk/Page: 5235/794, Date: 12/31/24
Mtg: Bassett 2024 Family T $400,000
26-28 FOREST AVE $410,000
B: Adam D Chase Sr & Queenie Chase
BAddr: 26-28 Forest Ave ROCHESTER NH 03867
S: Timothy J Drouin, Tr for Tjd Ft
Bk/Page: 5236/465, Date: 01/03/25
Mtg: Cross Country Mtg Inc $402,573
Term: 2055
Use: 2-Family Duplex, Lot: 32234sf
Use: 2 Bdrm Cape Cod, Lot: 43124sf Goshen
▶ REAL ESTATE SALES
BALL PARK RD $136,000
B: Paul M Blaisdell
BAddr: 120 Peverly Rd NORTHFIELD NH 03276
S: Jeffrey F Hertel & Van E Hertel Sr
Bk/Page: 2279/815, Date: 01/02/25
New England’s Premier Source For Property Information.
Chapter 7 Bankruptcies
*Filed: Office of the Clerk, US Bankruptcy Court
District of New Hampshire
These are Chapter 7 Liquidations in which a debtor turns over all property owned to be converted into money which is used to pay administration costs and creditors to the extent possible. Honest debtors receive a discharge relieving them from legal liability for the payment of provable debts listed in the petition with some specific exemptions, most notably taxes and support payments.
The name and mailing address of the person or entity filing the petition is followed by the filing date (D) and the Case # (Case#)
Pellegrino, Robert G, 8 Dulcies Point Rd, Kingston, 03848 D:01/07/25 Case#: 25-10009-KB
Chapter 11 Bankruptcies
Filed: Office of the Clerk, US Bankruptcy Court, O’Neill Federal Office Building, Boston.
These are reorganizations usually used by a business (may be used by an individual) to rehabilitate rather than to liquidate. Debtors propose a plan to reorganize their financial affairs and satisfy their creditors. This plan must be accepted by the creditors and approved by the court.
The name and mailing address of the person or entity filing the petition is followed by the filing date (D) and the case number (Case#)
*Filed: Office of the Clerk, US Bankruptcy Court District of New Hampshire
These allow for an adjustment of debt. An individual with a regular income proposes a plan to pay off debts from future earnings over a period of time between three to five years. Usually these payments are in full satisfaction of the debt, but may be a percentage of them. Upon completion, the debtor receives a discharge of all debts covered by the plan except child support and alimony, if applicable.
The name and mailing address of the person or entity filing the petition is followed by the filing date (D) and the case number (Case#)
Raymond Gullage, Terrance D, 14 Richard Ct, Raymond, 03077 D:01/09/25 Case#: 25-10012-KB
STRAFFORD COUNTY
New Durham Mills, Ronald L, 190 Old Bay Rd, New Durham, 03855 D:01/06/25 Case#: 25-10006-KB
Lien & Attachments
*Filed: Registry of Deeds.
The Registry Review provides notice of the filing of Writs Of Attachments, RSA72: 38-a Liens and other Liens in the various County Registries. Liens are filed for any number of reasons including some which have little or no bearing on the credit worthiness of the parties involved. Also, many liens are released shortly after they are filed. Readers are further cautioned that the same lien may be filed in more than one county. Since The Registry Review reports lien filings in each county, the same lien may appear in one or more county listings in any issue or in multiple issues. In accordance with standard Registry Review policy and especially with respect to liens, readers are cautioned to investigate all public records and other circumstances surrounding the filing of any lien in which they are interested. No other action should be taken or opinions formed based solely on information published in The Registry Review. Types of tax include: 941 FICA and Withholding Tax; 940 Federal Unemployment Tax; 1040 Individual Income Tax; 2290 Highway Use Tax; 1120 Corporate Tax; 720 Excise Tax
BELKNAP COUNTY
Meredith
Cutter, Colleen M, 150 Waukewan St, Meredith, 03253-6023 Plaintiff: New Hampshire State Of D:12/31/2024 Amt:$1,667 Bk/Pg:3660/539
CARROLL COUNTY
Conway
Westwig, Timothy A, 45 Main St U:C, Conway, 03818-6166 Plaintiff: Usa Irs D:12/31/2024
Tax:1040 Amt:$11,889 Bk/Pg:3804/870
Tamworth
Corder, Jean, White Lk E U:67, Tamworth, 03886
Plaintiff: White Lk Est Hmowners Ass D:12/31/2024
Amt:$6,395 Bk/Pg:3804/844
Giguere, Theresa, White Lk E U:42, Tamworth, 03886 Plaintiff: White Lk Est Hmowners Ass D:12/31/2024 Amt:$13,968 Bk/Pg:3804/845
Judge, Donald, White Lk E U:1, Tamworth, 03886
Plaintiff: White Lk Est Hmowners Ass D:12/31/2024
Amt:$6,068 Bk/Pg:3804/843
Nolan, Randy, White Lk E U:138, Tamworth, 03886
Plaintiff: White Lk Est Hmowners Ass D:12/31/2024
Amt:$734 Bk/Pg:3804/841
Throop, James & Ann Throop, White Lk E U:134, Tamworth, 03886 Plaintiff: White Lk Est Hmowners Ass D:12/31/2024 Amt:$364 Bk/Pg:3804/842
CHESHIRE COUNTY
Gilsum
Dicey, Howard & Carmine Dicey, 218 Belvedere Rd, Gilsum, 03448-7606 Plaintiff: Philip H Mathewson Co Inc D:01/03/2025 Amt:$13,374 Bk/ Pg:3298/1204
HILLSBOROUGH COUNTY
Hudson
Mcdowell Enterprises LLC, 3 Melendy Rd, Hudson, 03051-2838 Plaintiff: New Hampshire State Of D:01/03/2025 Amt:$2,705 Bk/Pg:9828/1724
Merrimack
Barufaldi, Molly C, 15 Indian Rock Rd U:15, Merrimack, 03054-3203 Plaintiff: Indian Rock Owners Assn D:01/03/2025 Amt:$3,711 Bk/ Pg:9828/981
Loudon Vlg Country Store, 40 S Village Rd, Loudon, 03307-0815 Plaintiff: New Hampshire State Of D:01/03/2025 Amt:$502,007 Bk/Pg:3878/2168
Webster
Kirouac, Michael, 6 Penacook Cir, Webster, 03303-7923 Plaintiff: New Hampshire State Of D:01/02/2025 Amt:$225 Bk/Pg:3878/1492
ROCKINGHAM COUNTY
Northwood
Pickering, Matthew, 132 Mountain Ave, Northwood, 03261-4319 Plaintiff: New Hampshire State Of D:12/31/2024 Amt:$8,801 Bk/Pg:6595/2033
Portsmouth
Darci Creative LLC, 1950 Lafayette Rd U:201, Portsmouth, 03801-5679 Plaintiff: New Hampshire State Of D:12/31/2024 Amt:$5,081 Bk/ Pg:6595/1906
Pixelmedia LLC, 75 Nh Ave U:100, Portsmouth, 03801-2864 Plaintiff: New Hampshire State Of D:12/31/2024 Amt:$10,386 Bk/Pg:6595/1877
Salem
North Amer Plumbing & Hea, 40 Lowell Rd U:1, Salem, 03079-4018 Plaintiff: New Hampshire State Of D:12/31/2024 Amt:$3,006 Bk/Pg:6595/2043
Windham
Oriol, Gerald, 44 Sheffield St, Windham, 03087-1692 Plaintiff: New Hampshire State Of D:01/03/2025 Amt:$2,825 Bk/Pg:6596/37
STRAFFORD COUNTY
Durham
Goldstein, William T, 73 Piscataqua Rd, Durham, 03824-3322 Plaintiff: New Hampshire State Of D:12/31/2024 Amt:$418,269 Bk/Pg:5235/966
Farmington
Matrix Concrete Inc, 83 Central St, Farmington, 03835-3746 Plaintiff: New Hampshire State Of D:01/02/2025 Amt:$12,452 Bk/Pg:5236/369
Foreclosure, Mortgagee & Other Lien Auctions
The schedule of recently published notices of mortgagee foreclosure sales is to be used only as a reference and index to the actual public notices. The Warren Group does not independently verify the listed information and disclaims all responsibility for the accuracy and completeness of this information. Readers are advised that foreclosure notices may contain errors with respect to any aspect of the property or the auction being noticed. TWG might not report subsequent corrections, if any. Listing of summary information for a notice is not intended to represent that a default has occurred. Any actual default which may have occurred may have been, or may be, cured at any time. The reader should contact the person or firm specified in the actual notice for any purpose (including, but not limited to, verification, current status, cancellation or postponement of the sale). Auctions may be cancelled or postponed at any time up to and including at the auction itself.
BELKNAP COUNTY
Winchester
02/14/25 02:30 PM 6 Cedar Ln
Owner:Cindy J Hobbs
Lender:21st Mortgage Corp Deposit:$1,000
Doc#:* D:01/05/23
Source:Manchester Union Leader (01/02/25)
Atty:Gauthier & Macmartin PLLC 603-673-7220
GRAFTON COUNTY
Littleton
02/20/25 12:00 PM 692 Foster Hill Rd
Owner:Ronald A Kelly & Joel A Goyette
Lender:Federal Home Loan Mortgag Deposit:$5,000
Doc#:* D:03/16/22
Source:Manchester Union Leader (01/08/25)
Atty:Harmon Law Offices Pc 603-669-7963
HILLSBOROUGH COUNTY
Bedford
02/04/25 12:00 PM 80 Passture Ln Ln
Owner:Arnold P Garron
Lender:Federal Home Loan Mortgag Deposit:$5,000
Doc#:* D:05/23/14
Source:Manchester Union Leader (01/07/25)
Atty:Korde & Assoc Pc 978-256-1500
Greenville
02/26/25 03:00 PM 152 Overlook Dr
Owner:Michael L Mcgill & Jane C Mcgill
Lender:NEW HAMPSHIRE HSNG FI Deposit:$5,000 Doc#:* D:08/28/12
Source:Manchester Union Leader (01/08/25)
Atty:Harmon Law Offices Pc 603-669-7963
Manchester
01/29/25 02:00 PM 85 Smyth Rd Rd
Owner:David Moran & Crystal Moran
Lender:Federal Home Loan Mortgag Deposit:$5,000
Doc#:* D:05/13/22
Source:Manchester Union Leader (01/02/25)
Atty:Korde & Assoc Pc 978-256-1500
Merrimack
02/04/25 01:00 PM 76 Shelburne Rd U:76
Owner:Jan E Jones
Lender:Federal National Mortgage Deposit:$5,000
Doc#:* D:09/30/16
Source:Manchester Union Leader (01/07/25)
Atty:Korde & Assoc Pc 978-256-1500
Nashua
02/19/25 01:00 PM 32 Ferson St St
Owner:Douglas H Fowler & Rosa M Fowler
Lender:CIM TRUST 2020-R2 Deposit:$10,000
Doc#:* D:09/21/05
Source:Manchester Union Leader (01/06/25)
Atty:Harmon Law Offices Pc 603-669-7963
01/28/25 10:00 AM 18 Academy Dr
Owner:Michael E Geraghty Jr
Lender:Nationstar Mortgage Deposit:$10,000
Doc#:* D:01/18/13
Source:Manchester Union Leader (01/07/25)
Atty:Marinosci Law Group Pc 401-234-9200
ROCKINGHAM COUNTY
Kingston
02/24/25 03:00 PM 4 Lincoln Cir
Owner:Alan Alberts & Cynthia J Alberts
Lender:US Bank NA Deposit:$5,000
Doc#:* D:04/10/03
Source:Manchester Union Leader (01/06/25)
Atty:Brock & Scott Pllc
Stratham
02/24/25 02:00 PM 56 Montrose Dr U:56
Owner:Edward L Hunt
Lender:Federal National Mortgage Deposit:$5,000
Doc#:* D:05/22/03
Source:Manchester Union Leader (01/06/25)
Atty:Brock & Scott Pllc
Requests for Bids & Proposals
Requests for bids and proposals now being circulated by state and local New Hampshire and other public agencies. Requests may include requirements for prequalification, mandatory meetings or other prebid deadlines.
Public agencies have limited resources, please use discretion in seeking additional information about these RFBs & RFPs
01/29/2025 09:30:00 AM Services RFB
Nature of Request: TOWN OF SALEM NH RFB 2024-056
GEREMONTY DR, SALEM NH 03079
Next Action Required: N/A
Source: Manchester Union Leader 01/03/2025
01/29/2025 10:30:00 AM Services RFB
Nature of Request: TOWN OF SALEM NH RFP 2024-060
BARK MULCH SERVICES
Requesting Agency: SALEM, TOWN OF, 603-890-2090, 33
GEREMONTY DR, SALEM NH 03079
Next Action Required: N/A
Source: Manchester Union Leader 01/03/2025
01/29/2025 10:45:00 AM Services RFB
Nature of Request: TOWN OF SALEM NH RFB 2024-061 TURF
FERTILIZATION SERVICES
Source:
01/29/2025 11:00:00
Laconia
02/07/25 02:00 PM 139 Eastman Shore Rd N
Owner:Paul A Marion & Deborah K Reyna
Lender:Midfirst Bank State Savin Deposit:$5,000
Doc#:* D:02/22/23
Source:Manchester Union Leader (01/06/25)
Atty:Orlans Pc 781-790-7800
CARROLL COUNTY
Effingham
01/30/25 12:00 PM 22 Clough Rd
Owner:Cheryl M Westfall-Smit
Lender:US Bank NA Deposit:$5,000
Doc#:* D:11/29/07
Source:Manchester Union Leader (01/07/25)
Atty:Demerle & Associates Pc 617-337-4444
CHESHIRE COUNTY
Rindge
01/23/25 01:00 PM 157 Perry Rd
Owner:John Heikkinen
Lender:Santander Bank NA Deposit:$10,000
Doc#:* D:01/05/08
Source:Manchester Union Leader (01/02/25)
Atty:Orlans Pc 781-790-7800
ROADWAY CURBING
Requesting Agency: SALEM, TOWN OF, 603-890-2090, 33
GEREMONTY DR, SALEM NH 03079
Next Action Required: N/A
Source: Manchester Union Leader 01/03/2025
01/29/2025 09:45:00 AM Services RFB
Nature of Request: TOWN OF SALEM NH RFB 2024-057
RIGHT OF WAY HERBICIDE SERVICES
Requesting Agency: SALEM, TOWN OF, 603-890-2090, 33
GEREMONTY DR, SALEM NH 03079
Next Action Required: N/A
Source: Manchester Union Leader 01/03/2025
01/29/2025 10:00:00 AM Services RFB
Nature of Request: TOWN OF SALEM NH RFB 2024-058 ON CALL LANDSCAPE SERVICES
Requesting Agency: SALEM, TOWN OF, 603-890-2090, 33
GEREMONTY DR, SALEM NH 03079
Next Action Required: N/A
Source: Manchester Union Leader 01/03/2025
01/29/2025 10:15:00 AM Services RFB
Nature of Request: TOWN OF SALEM NH RFB 2024-059
Bituminous/Concrete Sidewalks
Requesting Agency: SALEM, TOWN OF, 603-890-2090, 33
D:01/08/25 Case#: 25-10011-KB
After Death or Divorce, What Happens to the House?
BY LEW SICHELMAN SPECIAL TO THE REGISTRY REVIEW
When a family member passes away, their loved ones sometimes become homeowners unexpectedly. If the inherited house was owned free and clear, with no encumbrances, the heirs can do with the place what they want. Typically, they sell it, but sometimes they move in and make it their own.
It becomes complicated, though, if there’s a mortgage on the property. And while it can take time to decide what to do with a house in such cases, the owner’s heirs should act quickly to make sure the monthly payments don’t skip a beat. Otherwise, the property could end up in foreclosure.
The same applies for anyone who ends up with a house after a divorce, or for domestic abuse victims whose abusers are ordered out of the house.
In all of these instances, there’s a lot you’ll need to know: the amount of the mortgage payments; where to send them; the loan’s terms, including the interest rate; and the number of payments remaining. You’ll need to know your rights.
Unfortunately, according to a new report from the Consumer Financial Protection Bureau, help from the loan servicer – the company hired by the lender to collect payments and pay your taxes and insurance – isn’t always forthcoming in such situations.
Loan Servicer Supposed to Help –But May Not
The report said some heirs face “significant challenges” when dealing with loan servicers, including months-long delays and strong-arm pressure tactics about refinancing the mortgage.
There are laws against this type of bad behavior. Federal rules and mortgage program guidelines require servicers to help successor-owners obtain the information they need to manage the existing mortgage and, if the new owner chooses, to assume the loan. Servicers are compelled to let you know what documents are needed to prove your ownership interest, and to process your requests in a timely manner.
But the CFPB has fielded enough complaints that it has seen fit to remind investors and servicers that they must comply with all applicable laws and rules.
According to the agency, people report being told they must refi rather than being offered options for managing the current mortgage. These folks describe “significant stress” at the prospect of taking on unexpected debt at a time when they are still grieving.
In one complaint, a Virginia woman who lost her husband said she had been trying to take over their joint mortgage so she and her children could remain in their familiar home. She said she supplied the required documents, “often multiple times,” but when she called for updates, she was given “inconsistent explanations for deficiencies.”
Then, she told the CFPB, the company tried “to strong-arm me into refinancing the mortgage.”
Many heirs also wait excessively long times for servicers to process their requests, the report said. Some complain that servicers repeatedly re quest the same documentation or fail to respond to inquiries. And when delays occur, they report incurring legal fees and becoming delinquent on the loan.
A Missouri heir told the CFPB that for 156 days after her husband passed, she had tried to assume their mortgage. The servicer acknowl edged her request but said it does not “have a program to remove a name from the loan. ... In order to remove a party from the loan, the loan
would have to be refinanced,” the servicer said. In some cases, servicers are refusing to release the original borrower from liability, even though that person is either dead or no longer resides in the house.
Some Servicers Push Costly Refis
Many successors report being told they cannot assume the loan, even when they demonstrate their ability and willingness to pay it. They describe “showing months or years of making ontime loan payments from their bank accounts, high credit scores, good income and lengthy employment histories and still being steered to a costly refinance instead of having their assumption promptly processed.”
This happens largely in divorce cases in which
refinance for the loan, which would be about [a] 4-5 percent higher interest rate.”
Domestic violence survivors also report that servicers continue sending account information to their abusers and require their consent for account changes, potentially creating threats to the survivor’s safety.
The CFPB report detailed a complaint from a Texas woman who had divorced her husband on domestic violence grounds and was trying to make their house payments to avoid going into foreclosure. Her ex tried to sabotage the process, and the lender didn’t help, either. All communications from the servicer were going to him and him alone.
“I asked them to please send copies of communication(s) to the home on the loan and
Fed Officials Now Expect Slower Pace of Rate Cuts Ahead
BY CHRISTOPHER RUGABER THE ASSOCIATED PRESS
With average 30-year mortgage rates reaching 7.79 percent in October – the highest level since 2000 –lenders were forced to get creative financing homes, leading to high customer satisfaction in 2023.
According to a J.D. Power mortgage origination survey, overall satisfaction with mortgage lenders climbed to 730 this year from 716 last year despite the astronomic rise in interest rates.
Customers looked beyond interest rates as more than two-thirds of the customers said they preferred their lenders’ personalized service andBut the survey revealed that the improved service could be hard to maintain for most lenders as they look to have more cost-cutting measures and market conditions are unlikely to improve in the foreseeable future.
ping journey leads to retaining the customers throughout the process, as 38 percent of mortgage customers said they started working with a lender when they first thought about buying a home.
Service is valued more in a high-interest rate environment as the borrowers wanting for their loan officers to be more involved also increased to 40 percent from just 29 percent a
Ultimately, the Fed choose to cut its key rate by a quarter-point to about 4.3 percent.
Despite high satisfaction numbers, the J.D. Power said it is coming more from repeat customers, and that first-time homebuyers are struggling with the current mortgage loan market. Overall satisfaction among first-time homebuyers was down due to the complex lending environment and considerable challenges customers are facing.
Typical Mass. Starter Home Cost Surges, but NH’s Jump Is Bigger
BY SAM MINTON REGISTRY REVIEW STAFF
The income required to afford a starter home across the nation has risen significantly since 2019.
“Two years ago, the mortgage market was an ultra-low-rate goldmine in which lenders were making big profits and the primary challenge was keeping up with demand,” Craig Martin, executive managing director and global head of wealth and lending intelligence at J.D. Power, said in a statement. “It’s the opposite today with high rates and a lack of affordable homes leading to a limited number of eligible borrowers. To effectively compete in the future, lenders need to set themselves apart by focusing on addressing customers’ unique challenges and meeting their needs rather than selling a product.”
Many lenders found that engaging with mortgage borrowers earlier in their shop-
“The value equation for mortgage originators has shifted from instant approvals and lightning-fast processing to helpful advice and creative problem solving,” Bruce Gehrke, senior director of wealth and lending intelligence at J.D. Power, said in a statement. “Lenders that manage this transition will have a great opportunity to build customer goodwill and limit defection by showing customers they understand their unique needs and the challenges of the current market.”
Fairway Independent Mortgage Corp. ranked highest in mortgage origination satisfaction, with a score of 776, while Rocket Mortgage ranks second with a score of 759 and Citibank ranked third at 756.
JD Power’s U.S. Mortgage Origination Satisfaction Study – done from November 2022 to August 2023 – surveyed 9,191 customers who originated a new mortgage or refinanced within the past 12 months.
2025 Could See Better Resi Market
Though sales and listing numbers remain at historically low levels, last year’s increases nevertheless leave some industry officials hopeful that deal activity will continue to pick up in 2025.
New Leaders in Concord
Industry figures interviewed for this story don’t expect radical policy changes from the incoming Ayotte administration and from the GOP-dominated legislature.
But housing was a major issue in last year’s state elections – and many believe Ayotte, who succeeds Republican Gov. Chris Sununu, and GOP lawmakers will be under added pressure
to pass legislation designed to boost housing construction across the state.
“We’re excited something might get done,” said Susan Cole, the 2025 president of the New Hampshire Association of Realtors and owner of Susan Cole Realty in Lebanon.
Cole said zoning changes at the local level, where there’s no shortage of opposition to new housing, need to be addressed by lawmakers in Concord.
“We need to get beyond NIMBY opposition,” Dow said. “I’m excited about Concord helping with new housing.”
What happens to mortgage interest rates in 2025 is up in the air.
According to an analysis from Realtor.com, the household income now required to afford the typical starter home in the United States is $70,164, up more than 100 percent from just $32,357 in 2019. In Massachusetts, the increase is similarly great as the typical starter home costs $562,560 which is an increase of 58 percent in the five-year time span.
In Connecticut, starter home prices nearly doubled since 2019 as the typical starter home cost $390,090, an increase of 48 percent
“Though home price growth has contributed significantly to declining affordability, mortgage rate growth has exacerbated the issue,” Realtor.com senior economic research analyst Hannah Jones said in a statement. “While starter home prices climbed 53.7% over the last five years, payments more than doubled due to mortgage rates increasing from roughly 4% to almost 7%.”
In order to keep mortgage payments within 30 percent of household income, a Massachu-
After cutting short-term rates last autumn for the first time in a few years, the Federal Reserve was expected to approve more cuts early this year.
Interest Rate Uncertainty
But then new cost-of-living data came out in late 2024 suggesting that inflation wasn’t under as much control as previously thought, thus diminishing the chance of another Fed rate cut anytime soon.
Earlier this month, strong U.S. jobs numbers for December added to concerns that the Fed might balk at further rate cuts – at least for the time being.
Those same jobs numbers and Fed policymakers’ worries are increasing bond traders’ own fears about the 2025 economy and sending mortgage rates up, according to Wall Street analysts.
setts resident would need to make $134,768 with current mortgage rates sitting at nearly 7 percent. In Connecticut, the required income is just below $100,000, sitting at $93,430. The change in the monthly payment required to afford they median-priced starter home is even greater. The monthly payment for a median-priced starter home in Massachusetts would be $3,368 when accounting for current mortgage rates and assuming a 10 percent down payment. This is an increase of 123 percent since 2019.
In Connecticut, the increase in monthly payments is greater than 100 percent as the monthly payment for the median starter homes in the Nutmeg State sits at 2,336, a 109 percent increase since 2019. The estimated payment for 2019 assumes a 3.9 percent mortgage rate and 10 percent down.
Massachusetts’ neighbors to the north actually saw the greatest increase across the nation. Monthly home payments on the medianpriced starter home in New Hampshire has risen 164 percent since 2019. The monthly mortgage payment for the typical starter home in New Hampshire is now $2,600, which would require an income of $103,985 to be considered affordable.
about small changes in interest rates, he said. One of the biggest industry issues last year concerned changes to agent commissions, the result of the landmark settlement of antitrust lawsuits filed against the National Association of Realtors.
Under new rules implemented last year, seller and buyer commission agreements must now be negotiated separately, as opposed to the old practice of usually splitting commissions between listing and buyer agents, as agreed upon by the seller of a home.
“Things started picking up late last year. Business seems faster now than it did this time last year, much faster.”
– Adam Dow, CEO, Dow Group Keller Williams
Coldwell Banker’s Bradley said she doesn’t see interest rates, one way or the other, being a major market factor in 2025.
Lower mortgage rates might encourage some buyers to reenter the real estate market –and higher rates might discourage some buyers from entering the market, she noted.
Dave Smith, owner of Harbor Light Realty in Sunapee, agreed interest rates won’t influence his lake-and-mountain area much.
Interest rates might matter to some firsttime homebuyers, but the Sunapee market is dominated by more affluent buyers looking for second homes. And they’re not as concerned
Last year’s separation of commission negotiations now means buyer agents are largely on their own today – and that’s creating more than a little confusion and buyer-agent angst.
All in all, Cole, the president of the New Hampshire Association of Realtors, said she’s pleased with how smoothly the changes went last year.
“I’m not hearing that much about it right now,” she said. “I feel like we crossed that [new commission] threshold last year.”
But Smith of Harbor Light said he sees continued confusion over last year’s commission changes.
“People used to know and understand” how agents were paid under old commission rules, said Smith. “The new rules have just added more layers to everything. You have to make more calls. You have to explain things more. It’ll be an issue for a while.”
