SEACOAST OF NEW HAMPSHIRE
HOME & LIFESTYLE GUIDE Volume 30, Issue 12
French Country Manor
EXQUISITELY CRAFTED ON 1.09 ACRES TUCKERS COVE • EXCLUSIVE -$1,595,000
REALESTATEBOOK.COM REQUEST FREE MAGAZINES ONLINE, OR CALL 800-841-3401
17002.30.12.001.indd 1
FEATURED ASSOCIATE BROKER Judy Bodi Cell (603) 361-6343
4/30/18 6:10 AM
YORK, ME - A hidden gem situated upon a ledge on the York River. Set upon almost 8 acres at the end of a private road. This comfortable home has the charm and character you would expect. Master suite w/full bath, wood fireplace and beautiful views. Completing the second floor are 3 additional bedrooms, 2 full baths as well as a 3-room in-law suite. Front to back sun porch. Also includes a 2BR, 1182sf carriage house.
DOVER POINT, NH - Beautiful 4,239sf retreat with heated, salt water, gunite pool, tennis court and gardens abound. Run your home business/studio from the barn w/finished loft. The main house has an expansive living room, fireplace, den and 4-season sunroom. The kitchen features white shaker style cabinetry, black granite counters, Liebherr refrigerator and gas range. Guest suite w/library. A/C, built-in generator.
SEABROOK, NH - Enjoy the sunsets over the harbor. Legal 2 family home with 6BRs and 3 baths. Plenty of parking and a short distance to the beach. A wall of glass w/unobstructed views of the harbor plus the front deck has views of the ocean. Second floor has Corian counter-tops, detailed unique space, newer dishwasher, gas stove and LG refrigerator. Rental unit has 9 ft. ceilings and views.
Call Terri Brunette – Cell (603) 401-0145 Exclusive -$1,795,000 Call Michelle Daniels - Cell (603) 244-0989 Exclusive - $874,999 Call Cheryl Brown - Cell (603) 765-8917 Exclusive - $732,900
AMESBURY, MA - Charming renovated 2BR/2BA home on .35 acre with 100" of waterfront. Property being sold with additional .25 acre wooded lot across the street. Open concept, 1,300sf home w/sunroom w/water views. Cozy living room w/gas stove. Kitchen w/granite counter tops, farmers sink, stainless steel appliances and island seating. Master suite w/ balcony overlooking water. One car detached garage. Call Myra Suraci - Cell (603) 382-1938 Exclusive - $665,000
STRATHAM, NH - Sweeping views of pastoral fields from this charming 3BR Cape w/modern farmhouse influences and an open concept floor plan. Living room w/cathedral ceilings, a wood fireplace and access to the back patio. The kitchen has rustic exposed beams, bar seating and is combined with the casual dining room. Large cozy family room w/fireplace, office/ guest space, 2nd floor master.
LEE, NH - An amazing 3BR property in Oyster River School District. Formal living and dining rooms, a parlor/library, den, study, gift wrapping room, sunroom, laundry room complete w/2nd kitchen for entertaining, breakfast room, pantry. The basement has a large family room and other partially finished areas. Three garages. 5 + acre property is secluded and sits off the road down a long paved driveway. .
ELIOT, ME - This custom new construction home in 55+ community is ready for you to move right in! Open concept home with choice of master on first or second floor. Second floor has private deck overlooking the woods. Air conditioning splits in each bedroom, custom kitchen cabinetry and glistening wood floors. Easy highway access to NH or northern Maine.
Call Michael Coppola - Cell (603) 365-6040 Exclusive- $449,000 Call Wanda Syphers - Cell (603) 817-1060 Exclusive - $424,900
HAMPTON BEACH, NH - The investment opportunity you have been searching for! Unique multi-family with two separate homes on a fantastic dead-end street that’s just steps to the beach. The first building has two bedrooms and one bath. It’s light and bright with beautiful hardwood floors and charming details. The second features three bedrooms and one bath with tons of potential. Possible condo conversion!
HAMPTON FALLS, NH - Directly on Route 1! This fantastic property is located in the Town Common District and is just north of Seabrook, NH I-95 and MA w/a traffic count of 22,000+ vehicles per day (NHDOT). The property consists of a 2.5 story, 1,958sf building that has been gutted and a 506sf garage on 2 acres. Wonderful opportunity for in-home business, professional office, mixed use or tear down and build to suit.
Call Michelle Daniels - Cell (603) 244-0989 Exclusive - $399,900 Call Lisa Parsons - Cell (603) 770-7724 Exclusive - $399,000
240Ocean OceanBlvd Blvd 240 Seabrook, NH Seabrook, NH
603-474-3401 603-474-3401
17002.30.12.002.indd 2
560 560High HighStreet Street Hampton, Hampton,NH NH
603-929-1100 603-929-1100
655655 Wallis Road Wallis Road Rye, NH Rye, NH
Call Lisa Parsons - Cell (603) 770-7724 Exclusive - $389,000
603-964-7000 603-964-7000
55 Congress StreetStreet 55 Congress Portsmouth, NH NH Portsmouth,
603-431-1100 603-431-1100
4/30/18 6:10 AM
PORTSMOUTH, NH - Rare Spinnaker Point Condominiums townhome located to the rear of the neighborhood backing up to woodland. Excellent floor plan features a tiled foyer, eatin kitchen, formal dining area and a sunken living room w/ fireplace that overlooks the rear patio area. Full fitness center/ gym with indoor running track, tennis court and outdoor pool - all included in your condo fee.
HAMPTON, NH - Location, Location, Location. Potential, Potential, Potential! Fixer Upper! Hardwood floors, eat-in kitchen, newer windows, newer heating system. Desirable Thomsen Rd, approx 2 miles to North Beach, walking distance to schools, library, restaurants. Ready for someone to make this 3 bedroom ranch new again.
HAMPTON, NH - North Beach "Seaborne" condominium just steps to the ocean. Beautiful view of the marsh with amazing sunsets! Enjoy the community pool or walk across the street to the ocean. Floor plan has 2 master suites on the 1st floor, washer/dryer. 2nd floor offers eat in kitchen w/new appliances and living room that looks over conservation land. 3rd floor bedroom or office. Two deed parking spaces in garage
Call Patrick Carey - Cell (603) 583-1000 Exclusive – $369,000 Call Susan Howland - Cell (603) 401-0372 Exclusive - $359,500 Call Celine Frechette - Cell (603) 770-4595 Exclusive - $335,000
ALTON, NH - New construction, spacious 2,656sf 3BR, 3BA, 2 car garage. Investor or Buyer to finish project, seller is selling as is. Master ensuite on main level, his and her closets. Grand cathedral ceiling in living room with floor to ceiling fireplace. Open concept spacious kitchen and living room with lots of windows, slider to great deck with beautiful view and quiet serenity. Great location in the lakes region.
PORTSMOUTH, NH - 2BR/2BA end unit townhouse at Spinnaker Point Condominiums with a private backyard. Features wood floors throughout, updated bathrooms, gas fireplace and lots of natural light. Heating system and electric hot water heater are new. 1-car garage w/storage above. On site rec center-indoor pool, sauna, running track, tennis courts and an outdoor pool. On-site management and pet friendly!
HAMPTON, NH - Wonderful sweeping ocean views from your living room and balcony - overlooking the in-ground community pool. Condo includes two large bedrooms and two full baths - great kitchen opening up to dining area enough to seat a large crowd. Bonus room could be office or storage. One car garage plus outside parking - storage area off garage. Home is priced to sell! No pets
Call Wendy McHugh- Cell (603) 986-6831 Exclusive - $325,000
Call Bevin Korth - (603) 969-2602 Exclusive - $299,000
Call Mary Corcoran at - Cell (603) 553-4919 Exclusive-$294,500
KITTERY, ME - Bring your kayaks! This 2.2 acre waterfront, buildable lot is located on Spruce Creek. Paddle out to the Piscataqua River and ocean or stay in the coves. A 4BR septic plan and building envelope is included. Over 300 feet of waterfront with spectacular sunset views. Potential for a tidal mooring. Parcel will have 1/4 interest in private road and 650 feet of frontage. Bring your building plans!
HAMPTON, NH - Nicely updated, second floor, 1BR/1BA condo at Seascape Inn w/great views of the ocean. Mini fridge and microwave w/wall heater/cooling unit. Two new bigger windows that look out to the grassy outdoor grilling/gazebo area. Beach access through a walking path across street. Renting has been a success for present owners and rental history is available. Pets allowed.
FARMINGTON, NH- Own your own home for less then you pay for rent? Over 1200SF, hardwood floors and newer carpet. Lower level has a huge media room, exercise room or play room. Very nice eat-in kitchen, great counter space and appliances. The heavy-duty storm door in the kitchen will help keep costs down. This move in ready condo could be a quick closing. Bring your furniture and clothes - welcome home!
Call Wanda Syphers - Cell (603) 817-1060 Exclusive - $157,900 Call Wendy McHugh- Cell (603) 986-6831 Exclusive - $119,900
240Ocean OceanBlvd Blvd 240 Seabrook,NH NH Seabrook,
603-474-3401 603-474-3401
17002.30.12.003.indd 3
560 560High HighStreet Street Hampton, Hampton,NH NH
603-929-1100 603-929-1100
655655 Wallis Road Wallis Road Rye, NHNH Rye,
603-964-7000 603-964-7000
Call Cheryl Brown - Cell (603) 765-8917 Exclusive - $104,000
55 Congress StreetStreet 55 Congress Portsmouth, NH NH Portsmouth,
603-431-1100 603-431-1100
4/30/18 6:10 AM
RYE BEACH, NH - Essentially a new home taken down to the studs in Rye Beach Village Precinct on 5.64 acres with a pool, tennis court and hot tub. The kitchen is a chef’s fantasy w/soapstone island and counters, Viking appliances, two 4-foot side-by-side refrigerators, 2 dishwashers, 2 ovens and pantry. Very large living room, 4-season sunroom/dining room and 1st floor master en suite w/gas fireplace, his and her closets and bath. 2nd floor has 3BRs,/2BAs and large bonus room over the garage. This 4,823sf home is within walking distance to the ocean and Abenaqui Country Club. Call Allan Rogers - Cell (603) 988-9112 Exclusive - $1,950,000
RYE, NH - Views, views, and more views! Water views throughout the home. Spectacular views include Isles of the Shoals, Ocean, Rye Harbor, Cape Ann, marsh, sunrises, sunsets and moon rises. An elegant shingle style home built in 2000 has been sited to enjoy the different vistas throughout the day. The luxurious kitchen is open to the dining room and living room with a double -sided, soaring, stone fireplace. A three-season sunroom overlooks the beautiful landscaped grounds. Master suite with deck. Two additional bedrooms on the second floor with baths and fabulous views. Call Allan Rogers - Cell (603) 988-9112 Exclusive - $1,975,000
RYE, NH - An elegant, private gated, French Country Estate on 6.96 acres with beaches less than a 5 minute drive. Multiple outdoor features including an inground pool, fire pit, demi basketball court, hot tub and deck. The amazing kitchen has Viking appliances and wine/beverage coolers. Spectacular master suite with a spa bath, Carrera marble, steam shower, dressing room and walk in closet. On the 2nd floor you will find 3 additional bedrooms each with its own bath, and a complete in law/au pair suite. The lower level is a sight to behold with guest quarters, kitchen, bath, multiple game areas, and media room. Call Allan Rogers - Cell (603) 988-9112 Exclusive - $2,725,000
NORTH HAMPTON, NH - An extremely rare oceanside 6.8 acre lot located in prestigious Little Boars Head District of North Hampton, NH. It is very rare that a lot of this quality and location comes on the market. Build your new home or renovate and expand an existing structure. Design your new home with ultimate views of the grand Atlantic Ocean. Call Allan Rogers - Cell (603) 988-9112 Exclusive - $1,500,000
RYE BEACH, NH - A charming small town feel with tree lined streets, elegant seaside homes of a bygone era, convenience to major commuting routes and income tax free NH make a perfect location for coastal living. This 4BR, 6568sf home has kept the old world charm but built with today’s living. Features a two story foyer, an angled staircase and beautiful wainscoting. The formal living room is sophisticated and the dining room is grand for entertaining. The kitchen is very high end. There is a large great room w/fireplace opening to a 4 season sunroom. Master suite with fireplace. Call Allan Rogers - Cell (603) 988-9112 Exclusive - $1,795,000
RYE, NH - A 2200sf, 3BR Cape completely renovated is in an outstanding location, walk to Jenness Beach or to Abenaqui Country Club, enjoy historical Portsmouth and its’ fine restaurants, state parks, easy commute to Boston and Manchester airports. Open concept first floor living w/wood burning fireplace. Three large bedrooms all en suite. Choose either a first floor master or second floor master. The laundry room can be up or down. On the second floor, you will find two more bedrooms and a living room or home office area. Enjoy tax free NH while living the beautiful seacoast and lifestyle. Call Allan Rogers - Cell (603) 988-9112 Exclusive - $879,900
Allan B. Rogers, REALTOR®
655 Wallis Road, Rye, New Hampshire 03870
17002.30.12.004.indd 3
Web: Direct: Office: Email:
www.allanrogers.com 603-988-9112 603-964-7000 Ext 174 allan@allanrogers.com
4/30/18 6:10 AM
2bd, 1 bath w/corner shower, waterfront sunroom, water views from open concept liv/din area, granite island, colorful sunrises, recessed lighting, 2 car garage, elevator, storage, not in flood zone, carpet 1 year old, elec. heat, A/C, well maintained, rental potential $2,400/summer wk. Your own slice of HEAVEN! MLS 4677358 OFFERED AT $379,000. CALL TODAY!
HAMPTON BEACH - 20 Page Lane. Adorable 1 BR ranch on Dead-End St. Lg open concept kitchen/dining/den. Enclosed porch, rental potential, lg full bath, W/D, radiant elec. heat, parking, shed. Small lot=More beach time + less yard work! EASY TO SHOW! MLS 4679356. REDUCED TO 259,900. Text R715149 to 52187
UNDER AGREEMENT
HAMPTON BEACH - 28 Diane Lane. Three bedroom ranch walking distance to sandy beach and Atlantic Ocean, rental potential, good parking, large deck 19 X 9, vinyl sided, open concept living and kitchen, sunroom, full size washer & dryer, three quarter bath, dishwasher, crushed stone yard, rental history $900 a week in season, not a drive by, easy to show, call for an appointment today. OFFERED AT $268,999. MLS 4671555. Text R646298 to 52187
HAMPTON BEACH - 68 Hobson Avenue. Adorable cottage one level ranch. 5 rm, 2bd, sunroom, gas log fireplaced living room, kitchen with sliding door onto large deck area with marsh water views, shed with shower, parking in driveway, washer/dryer. 1 1/2 bath. OFFERED AT $299,900. MLS 4501352. Text R646038 to 52187
HAMPTON BEACH - 2 SEASONAL UNITS - 10 Epping Ave. On the “Island Section” east of Route 1-A these 2 cottages each have 3BD & 1BA. Excellent parking! Water views from the rear raised ranch w/potential to finish the 1st level. Covered porches. Rental potential. Purchase & sales agreements must honor summer reservations 2018. NOT IN THE FLOOD ZONE! MLS4676838. REDUCED TO $545,000. Text R705873 to 52187
UNDER AGREEMENT
HAMPTON BEACH - Atlantic Ocean & marsh water views. Sunpoint Condominium unit #12, North Beach, 2BR, 1.5BA, lg open concept dining & living, 4 sliding doors to 2 balcony water view areas, W/D hook up, renovated & updated, elevator, storage, shared common area, park 2 & guest, FHA gas heat w/central AC, Easy to show! Not a drive by. Call for an appt! MLS 4683622. Offered at $294,900. Text R784101 to 52187
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HAMPTON BEACH - END UNIT - Unit 202, 128 Ashworth Avenue Condominiums. Elevator, assigned carport parking, Xlarge shared deck, stainless steel & granite kitchen with island, open concept liv/kit, high ceilings, condo fee $125, pet friendly w/assoc. approval, FHA electric heat w/central AC, w/dryer. MLS 4645214 OFFERED AT $282,000.
FANTASTIC LOCATION! MAIN ROAD COMING INTO SEABROOK & SALISBURY BEACHES! Seabrook-360 Rte 286. Upper level owner unit w/panoramic water views of marsh area & Blackwater River. Sunsets are beautiful. Tons of parking. Has been a farm stand on 1st flr or park your cars! MLS# 4641522. OFFERED AT $525,000.
4/30/18 6:10 AM
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4/30/18 6:10 AM
S H O U L D YO U R E P L AC E YO U R RO O F ?
LO O K F O R T H E S E S I G N S Most homeowners don’t think about their roofs until leaky ceilings and puddles form inside their home. Why think about your roof if there isn’t a problem? According to Metal Roofing Alliance Executive Director Bill Hippard, "Roofers are most in demand following severe weather such as heavy rain or high winds. If you put off doing repairs or replacing your roof until you have a problem, you may find that the contractor has a waiting list, and your problem will get worse before it can be addressed." To avoid costly delays and repairs, look for the following signs. If you have any of these issues, contact your roofer right away.
1. ROOF FRAMING. Start off by checking the roof framing structure to make sure it is not compromised. Visually scan the roof for any sagging or uneven areas. 2. MISSING SHINGLES. High winds can remove shingles from your roof, creating an invitation for leaks. You can use binoculars to inspect your roof without a ladder.
3. SHINGLES that are obviously cracked or peeling. Even if the shingles aren't missing, if they're curling or torn, they're on their way to failing. 4. STAINS OR WATER MARKS on your ceiling can indicate a leaking roof even if you don't see a puddle. It's important to find the source of the leak and make repairs before the problem grows.
5. DISCOLORED SHINGLES can be a sign of mold or algae growth on your roof, particularly in warm, wet climates. The elements are hard on a roof, causing it to deteriorate and fail. 6. AGE. If you have a typical asphalt shingle roof, and it's more than 1015 years-old, chances are, you're going to need to replace it in the near future.
The condition of your roof is one of the first things appraisers assess and potential buyers notice. Faded, curled, damaged or missing shingles add nothing to the look or value of your house. And if your neighbors have maintained or recently replaced their roofs, yours will look especially tattered and old. So not only can your worn roof be doing damage to your home, it can be doing damage to your home’s value. If it is time to replace your roof, talk to your roofer about tearing off the old roof and installing a new one. This is a much better option than installing new shingles over your old worn out ones. Your roofer will tell you that this not only increases the longevity of the new roof, but removing the old roof reveals any defects that should be fixed before the new roof is installed.
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ILES OF BEAUTIFUL BEACH DIRECT OCEANFRONT CONDO ON 7 MILES OF BEAUTIFUL BEACH
DIRECT OCEANFRONT CONDO ON 7 MILES OF BEAUTIFUL BEACH
Direct oceanfront - Unique 2 family condo featuring two 2 BD, 1BA condos with enclosed porch for additional sleeping area, open concept living rooms with cozy gas fireplaces, efficient gas heat, AC units, fully furnished, private STREET—BLDG beach area,4—OLD impressive & 30 WAVELET ORCHARDsummer BEACH, MAINE DIRECT OCEANFRONT unique 2or family condo tworetreat. 2 BD 1 BA winter rental rates use as featuring a family condos with enclosed porch for additional sleeping area, open concept Start enjoying beautiful sunrises/sunsets from living rooms with cozy gas fireplaces, efficient gas heat, AC units, fully this wonderful property. ANFRONT CONDO ON 7 MILES OF BEAUTIFUL BEACH furnished, private beach area, impressive weekly summer & winter rental rates or use as family retreat. Start enjoying sunrises/ $799,900. Text R789376 tobeautiful 52187
ORCHARD BEACH, MAINE
sunsets from this wonderful property. $799,900. MLS 1305566.
do featuring two 2 BD 1 BA sleeping area, open concept ET STREET—BLDG 4—OLD ORCHARD BEACH, MAINE ent gas heat, ACfeaturing units, ANFRONT unique 2 family condo two 2fully BD 1 BA enclosed porch for additional sleeping area, open concept s with cozy gas fireplaces, efficient gas& heat, AC units, fully weekly summer winter private beach area, impressive weekly summer & winter or use as family retreat. Start enjoying sunrises/ beautiful sunrises/ enjoying beautiful rom this wonderful property. $799,900. MLS 1305566. Exclusively Listed By: $799,900. MLS 1305566. Lape—Cell: 207.730.2476 Request a For Danielle advertising information in
Email: danielle@kingrealestate.com The Real Estate Book FREE ely Listed By: Website: www.kingrealestate.com of Seacoast NH / Southern ME contact: MAGAZINE —Cell: 207.730.2476 Terri Perron (207)791-6155 from any tperron@mainetoday.com @kingrealestate.com market Alan Connell (207)791-6158 across North .kingrealestate.com aconnell@mainetoday.com
Exclusively Listed By: Danielle Lape—Cell: 207.730.2476 Email: danielle@kingrealestate.com Website: www.kingrealestate.com
ON THE COVER
®
“All real estate advertised herein is subject to the Federal Fair Housing Act which makes it illegal to advertise any preference, limitations, or discrimination based on race, color, religion, sex, handicap, familial status, or national origin, or intention to make any such preferences, limitation, or discrimination. We will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis.”
America
1-800-841-3401
May 21, 2018 17002.30.12.008.indd 11
Exquisitely crafted French Country Manor with over 7,000 SFon 1.09 acres at Tuckers Cove, Portsmouth’s most coveted neighborhood! This 1 owner 2003 home has been meticulously cared for & loved. As soon as you enter, you will be impressed with the 2 story foyer with crown molding & hardwood flooring. The elegant 14x15 dining room with stately columns is the perfect place to dine and entertain guests.The open kitchen is a chef ’s paradise with cherry cabinetry, granite countertops, island, top grade appliances, and built in wine cooler. The kitchen seating area is flanked by windows overlooking the landscaped backyard with oriental gardens and waterfall. You will be amazed by the the floor to ceiling stone fireplace in the sunken family room with a French door leading to the three season porch. With the versatile floor plan that this special residence has to offer, there are two master bedroom suites that offer handicap accessibility both on the first and second floor. Upstairs you will find three generous sized bedrooms, two full baths, flex space for a reading/TV area, and an oversized office with ample storage and privacy. The finished lower level includes a billiard room, half bath, electric baseboard heating, built-ins, and walk out basement. Custom 12 x 20 shed allows for another vehicle or more storage. Close to downtown Portsmouth, this stunning masterpiece is a must see! Call Judy Bodi - Cell (603) 361-6343 Exclusive
Judy Bodi
Cell (603) 361-6343
655 Wallis Rd, • Rye, NH 03870 (603) 964-7000 4/30/18 6:10 AM
Movers & Shakers
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239 IslingtonÂŽSt. Lauren Stone, Portsmouth, REALTOR NH 03801
Carey & www.DianeSilvaRealty.com Giampa Realtors www.DianeSilvaRealty.com 603-686-2733 655 Wallis Road, Rye, NH 03870 www.DianeSilvaRealty.com 239 Islington Islington St. St. 239 OfďŹ ce 603-964-7000 • Direct: 603-964-1931 Portsmouth, NH 03801 03801 Portsmouth, NH 239 Islington St. lauren@laurenstone.com603-686-2733 603-686-2733 Portsmouth, NH 03801 www.laurenstone.com
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239 Islington St.ÂŽ Lynne Bottomley, REALTOR Portsmouth, NH 03801
Carey & Giampa Realtors 655 Wallis Road, Rye,603-686-2733 NH 03870 OfďŹ ce 603-964-7000 • Cell 603-502-3606 www.DianeSilvaRealty.com lbottornley@careyandgiampa.com 239 Islington St. www.careyandgiampa.com Portsmouth, NH 03801 603-686-2733
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Portsmouth, NH 03801 Carey & Giampa Realtors 603-686-2733 655 Wallis Road, Rye, NH 03870 OfďŹ ce: 603-964-7000 • Direct: 603-988-9112 www.DianeSilvaRealty.com allan@allanrogers.com 239 Islington St. www.careyandgiampa.com Portsmouth, NH 03801 603-686-2733
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4/30/18 6:10 AM
How to Get Approved for a Home Improvement Loan By Jason Caruso
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3/12/18 1:07 PM
W
hether you're building an addition, completely remodeling or just finishing your basement, a home improvement loan can help add value and comfort to your home. There are a variety of loan options available that we detail later in this article, but before you explore those, there are four steps you should take to ensure that you'll get the money you need:
1
Understand Your Credit History
With any type of loan, a higher credit score will give you better terms for your loan. But if you have a low credit score, that doesn't mean a home improvement loan is out of reach. There are government loans, private lenders and co-signing opportunities that may be available to you.
2
Evaluate Your Equity
Home improvement loans are largely dependent on the homeowner's equity, since this becomes collateral for the loan. Even if you have a decent amount of equity, you will need to prove that you're capable of paying your debts plus the added debt of the home renovation loan. The final terms of your loan agreement will be determined by your ability to pay back the loan on time.
3
Get an Appraisal
4
Estimate Your Project Cost
The lender needs to know the overall value of your home before agreeing to certain loan terms. Not every lender will require an appraisal of your home, but it helps to be prepared in case it's requested.
Before you apply for a loan, you should establish a baseline of estimates from professional contractors to determine how much your home improvement project could potentially cost. This will give you a good idea of how much you'll need to borrow. Seeking out contractors for estimates will prepare you for what your project could entail. For example, you might be unaware that there's mold in your walls which is something you'll definitely need to take care of—and this will add to the amount you'll need to borrow. While you're figuring out the cost of your project, be sure to request estimates from several contractors so you can shop around for the best price.
What Are Your Home Improvement Loan Options? After you've completed the above four steps, you'll be ready to look into your loan options:
Home Equity Line of Credit With a home equity line of credit, you're able to withdraw money as you need it during a time limit that the lender has specified. Much like a credit card, as you pay some of the balance off, your credit will revolve and you can start to withdraw again.
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This line of credit can have fluctuating rates that can be higher than the rate you'd get on a fixed-rate loan, making them more risky. But there is more flexibility with a home equity line of credit than a fixed-rate loan.
Home Construction Loans When it comes to home construction loans, lenders need to place a lot of trust in the builder, meaning they are usually very cautious about giving out these loans. If things go wrong, the lender could quickly realize they've made a bad investment. Because of the risk for the lender, there are precise qualifications for this type of loan, including: »
Proof of good credit and financial health
»
A comprehensive list of project details (floor plans, materials, etc.)
»
An estimated home value from an appraiser
»
A large down payment—usually 20-25 percent
»
Working with a builder that's approved by the lender
Home Equity Loans A borrower uses the equity of their home as collateral under a home equity loan. The value of your property will need to be determined by a licensed appraiser, and this will determine the loan amount you are eligible to receive. Usually this requires good credit and can end up being more costly than other loan options since additional fees associated with the appraisal, originator, title and closing process can come up.
FHA 203(k) Loans The federal government backs FHA 203(k) loans, which were established with the intention of revitalizing struggling neighborhoods. Under this loan, borrowers can purchase a property with the cost of repairs and upgrades included. The required down payment is as low as 3.5 percent in most instances. Make sure to follow the above steps and do your research on loan types as you're planning to renovate your home! Jason Caruso has over 15 years of experience in the financial sales and service industry. He is currently a loan officer with an independent mortgage broker serving Massachusetts, New Hampshire, Maine and Connecticut. Caruso has a degree in business administration and marketing. This article is intended for informational purposes only and should not be construed as professional advice. The opinions expressed in this article are those of the author and do not necessarily reflect the position of RISMedia. Reprinted with permission from RISMedia. ©2018. All rights reserved.
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Is Your Bedroom Designed for Sleep? S
ounds like a dumb question, right? However, in reality, the reason you might not be sleeping as well as you should might have a lot to do with what’s going on in your bedroom.
According to the Better Sleep Council (BSC), the nonprofit consumer-education arm of the International Sleep Products Association, getting adequate sleep can positively impact every area of your life, from your productivity on the job, to your eating habits and fitness goals, to your relationships. In fact, a recent survey from the BSC suggests that getting more sleep may be the key ingredient to keeping Americans on track for meeting their 2018 goals—27 percent chose getting more/better sleep as a resolution for the year, and those respondents also reported other health-related goals, such as exercising more (69 percent) and staying fit and healthy (68 percent). Also, Americans surveyed who wanted to prioritize sleep in 2018 planned to do so by getting to bed earlier (65 percent), maintaining a consistent bedtime (62 percent), and having new nighttime routines (53 percent). Almost half of those surveyed said they also plan to upgrade their sleep environment by purchasing a new mattress or other bed-related items.
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The BSC offers these other suggestions for improving your sleep habits:
Consider your window treatments. If you’ve committed to getting to bed early, keep your window treatments sheer. Natural light filtering in as the sun rises will help wake your body naturally—the perfect way to start your day. Installing sky lights can also provide wakeful sunlight. However, if you can’t seem to ditch the night-owl habit, room darkening curtains or shades may be necessary to ensure you get the extra hour or two you need in the morning.
Adjust the lights. For each lamp in your bedroom, decide what purpose it will have and choose a light bulb with appropriate wattage. For example, a bright light may be necessary near a mirror or for a standing lamp. For bedside lamps, lower wattages (45 to 50 watts) offer ambient light or gentle light that are best for reading. Lampshades can help dim lights as well. Installing a dimmer switch will allow you to control the brightness of all the lights in your room as you need it. This is especially useful with overhead lights.
Ditch the distractions. Avoid the distraction of social media and emails by setting your phone to automatically go into Do Not Disturb mode during sleep hours, and leaving your tablet and laptop in another room altogether. While you’re at, do you really need a TV in your bedroom? Opt for a pile of books on your nightstand as reading relaxes the mind and helps induce sleep, while screens keep your brain wired. Spruce up your bedroom décor as well by replacing your TV stand with a nice bookcase or chair and ottoman for reading.
Analyze your bed. Consider whether it’s time for a new mattress. If you’re waking up a lot during the night to shift positions, it could be due to a mattress that’s not supporting you properly. Same for your pillows. Are they too soft, too firm, or just right? Also make sure your sheets, blankets and comforter offer the perfect balance of softness and warmth without making you overheated.
Keep it cool, even in the cooler weather. A comfortable sleeping temperature is between 65 and 67 degrees Fahrenheit, so turn on an air conditioner or lower the thermostat before bed for an optimal sleeping climate. If cracking open a window gets you to that temperature range, all the better, as fresh air makes for even healthier sleep. And when the temperature is cooler at night, it has the added bonus of helping you save money on running the AC.
Make daily sleep appointments. Develop a routine in which you go to bed at the same time and wake up at the same time every day. Sticking to these appointments will help you in all of your other routines and scheduling as well. As you work on perfecting your nighttime sleep routine, remember that it’s not a bad idea to catch a power nap during the day if and when you can. A quick 20-minute snooze can work wonders and actually help you sleep better at night. Reprinted with permission from RISMedia. ©2018. All rights reserved.
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DID YOU KNOW...
95%
UNDER 25 READ MAGAZINES 93% of consumers under age 35 read magazine media, while 95% of those under age 25 read magazine media.
51
1.75 Billion Magazine Media’s total audience grew to 1.75 billion in 2015, resulting in an increase of 6.2%.
The average reader spends over 51 minutes reading each print issue.
The print industry is still strong and effective, according to research in the 2016/17 Magazine Media Factbook. In addition to its number one ranking in reaching affluent influential consumers, print magazines are also the most trusted, inspiring and motivating form of media.
10 Magazines have a long shelf life, reaching 80% of the audience over a 10 week period.
With thousands of quality magazines distributed every month to your community, The Real Estate Book®’s hyper-local advertising reaches buyers and sellers in their world and introduces them to your personal brand. Are you ready to extend your exposure to the most qualified home shoppers?
To advertise or for more information, enter your zip code online at Store.RealEstateBook.com or contact your local market representative. 17002.30.7.014.indd 2
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NORTH HAMPTON, NH - Classic New England Estate! Impressive renovated home with two master bedroom suites and a spectacular in-law suite. Large chef’s kitchen offers custom cabinetry, soapstone counters, stainless steel appliances and an oversized island. Retreat to the private first floor master suite with dressing room, marble walk-in shower and spacious walk-in closets. Second level offers a master bedroom suite with dressing room, walk-in shower and a marble, double sink vanity. Interior boasts quality craftsmanship with attention to distinctive period details that are exemplified throughout with 5 artisan wood fireplaces, front curved staircase, charming rear staircase, numerous built-ins, exquisite moldings, updated baths and wood floors. The desirable in-law suite is on the second level. 3 car attached garage, a greenhouse and 2 barns. Known as Marsh’s Edge, built in 1830, the historic home is sited perfectly on 3.5 acres overlooking the conservation land on Woodland Road. Two minutes to Runnymede Farm, close to the beach and all major routes. A very special property to own for generations.
Call Lauren Stone at (603) 944-1368 Exclusive - $949,900 Lauren Stone, REALTOR® CERTIFIED LUXURY HOME MARKETING SPECIALIST
560 High St, Hampton, New Hampshire 03842
17002.30.12.015.indd 9
Web: Direct: Office: Email:
www.laurenstone.com 603-944-1368 603-964-7000 Ext 111 lauren@laurenstone.com
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Direct Waterfront Home!
Meticulous Custom Bulit Home
SEABROOK BEACH, NH - Enjoy being on Seabrook Beach (Sun Valley Hampton) with incredible views from this direct waterfront home with private steps to sandy beach. Perfect for entertaining, this home features open concept dining/ living room with harwood floors and French Doors that open to a well-landscaped patio with hot tub. Amazing views from master suite with oversized bath and two walk-in closets. Lower level has two bedroom apartment with a separate entrance. Spend the summer with family and friends enjoying amazing sunrises and lazy days on the beach!
RYE, NH - Meticulously cared for this custom built home sited on a gated and well landscaped 1.28 acre lot near the end of this quiet cul-de-sac yet just minutes from shopping, local schools, I- 95, Abenaqui Country Club and the ocean. Quality is evident the minute you walk through the custom mahogany foyer door. The epicurean-inspired kitchen features an over-sized center island, built-in china cabinet, wet bar and top-of-the-line Viking/Jennair/Subzero/Miele appliances. Family room with fireplace. Three generous-sized bedrooms and a luxurious master suite with double walk-in closets and spa-like bath.
Call Jim Giampa - Cell (603) 235-5887 Exclusive - $1,790,000
Call Patrick Carey - Cell (603) 583-1000 Exclusive - $1,350,000
Seaside Dutch Gambrel
Your Dream Home!
NORTH HAMPTON, NH - Little Boars Head is the setting for this classic, shingle-styled three bedroom Dutch Gambrel located at the end of a long drive within sight, sound and smell of the ocean! Two-story entry hall, formal living room with fireplace overlooking the patio areas and front lawn. Island kitchen features granite counters and stainless steel appliances. Second floor library with cherry-paneled walls, bookcases and built-ins with fireplace. Spacious master suite with walk-in closet and bath. Call Patrick Carey - Cell (603) 583-1000 Exclusive - $1,295,000
NORTH HAMPTON, NH - This 4BR prestigious New England Colonial is located in the premier community - The Boulders. Open concept kitchen, breakfast area and family room w/custom stone fireplace. The gracious and grand layout consists of an office, formal living room and an elegant dining room both w/gas fireplaces. Outstanding master suite w/gas fireplace, 2 walk in closets, a cedar closet and a full bath. Expansive Azec deck, hot tub, pond, waterfall and gazebo. Minutes to the ocean and commuter routes. Call Lauren Stone - Direct Line (603) 944-1368 Exclusive -$1,250,000
240Ocean OceanBlvd Blvd 240 Seabrook, NH Seabrook, NH
603-474-3401 603-474-3401
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560 560High HighStreet Street Hampton, Hampton,NH NH
603-929-1100 603-929-1100
655655 Wallis Road Wallis Road Rye, NH Rye, NH
603-964-7000 603-964-7000
55 Congress StreetStreet 55 Congress Portsmouth, NH NH Portsmouth,
603-431-1100 603-431-1100
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