The Carroll Realty Group - KELLER WILLIAMS REALTY / Metropolitan
The Carroll Realty Group - KELLER WILLIAMS REALTY / Metropolitan

Stephen Carroll Cell: 603-860-0310 | [email protected]
Kris Stone Cell: 603-493-4435 | [email protected]


Posted by The Carroll Realty Group on 8/13/2019

When most homeowners think of creating a more eco-friendly home their mind goes to replacing windows, increasing insulation and using less water. But friend, we live in the 21st century! It’s time to catch up with the times. AI, that is artificial intelligence, is everywhere right now. From refrigerators to children's toys it’s almost impossible to turn around and not be confronted with this new, rapidly growing trend.

Right, so you’re saying to yourself I thought this was an article about creating a more environmentally home. And it is! But it’s also about how we can take advantage of AI to do so. Let’s get started.

Our energy bill is usually the first place we look to cut back. Running a home uses up lots of resources, and let’s be honest, can cost a lot of money as well. The Nest Thermostat is a smart thermostat that helps you find a happy balance between maintaining a comfortable temperature and conserving energy.

You can set schedules for changing the temperature throughout the day. You can also put your home on “away mode”, which is kind of like putting a laptop in sleep mode. Your thermostat will lower the temperature while your family is out for the day, but not so low that it takes as much energy as you saved to heat back up again.

Nest even offers the ability to create reports on your usage each month. Drill down into your data to find trends in your usage. Learn more about how your family consumes energy so you can create heating schedules that work best for you unique needs.

Wemo’s Instant Smart Plug also allows you to take ultimate control of all the devices throughout your home. You can control power usage right from your phone. As well as set the different devices on schedules.

And just like Nest Thermostat, you can report on usage. The beautiful thing about Wemo’s Smart Plug is that you can gather data per device to see which is an energy hog as well as curate an overall data set per room to see which uses the most energy.

Become eco-savvy when it comes to your lawn and gardening. Skydrop uses weather upcoming conditions from local forecasts to automatically plan out a watering schedule for your sprinklers. Take all the guesswork out of whether to water or not. Skydrop will take care of it for you.

And lastly, you don’t need to make huge investments to get green tech. Pick up a solar power bank to charge small devices like your phone. They’re available almost everywhere at very reasonable pricing. It might seem small, but overtime opting for solar in this one way makes a huge difference!  





Posted by The Carroll Realty Group on 8/6/2019

Most people that obtain a mortgage loan against another property usually plan to buy a second house. This means that they are not ready to sell or move out of their existing place of residence, but they wish to have a second house that they can occupy later, use as a vacation retreat or as an income property. A mortgage loan secured against another property is known as a second mortgage. 

A second mortgage on another property is also a long-term loan in your name against the home you intend to buy. It is worth noting, however, that this mortgage differs from a secured charge mortgage or remortgage.

Benefits of securing a mortgage loan against another property 

- The advantages of going for a second mortgage is that it is separate from your current mortgage. Therefore, your existing property is not at direct risk.

- A second mortgage could be a cheaper loan when compared with second charge mortgage or secure loan 

Drawbacks of securing a mortgage loan against another property

- One of the disadvantages of acquiring a second mortgage is that it requires a second deposit.

- Paying for two mortgages at a time can be quite expensive.

- Affordability checks of the second mortgage are stringent.

- Going for a second mortgage may put your current apartment at an indirect risk. Meaning that you might have to sell your existing home to cover the repayment of the second mortgage. 

How to secure a mortgage loan against another property 

You must be aware of the fact that you will be subjected to stricter affordability checks when applying for a second mortgage. A second mortgage is much harder to approve because of these measures. You have to get all your documents ready, especially those that will prove that your income can cover the cost of two mortgages.

Apart from getting your documents ready, try to minimize spending well before tendering your application for a better chance. Also, it is essential that you make a comparison across the market to know the right deal for you. Another trick to improve your chances of getting your second mortgage approved is by repaying the first mortgage as quickly as possible. Decide on what you want to do with your second home as this will affect your mortgage.

Are you planning to secure a mortgage loan against another property? Check out the tips given above. They will help you get your application approved whenever you decide to go for a second mortgage. Your real estate agent may have special relationships with mortgage brokers or lenders in your area, talk to them for additional advice.




Categories: Mortgage   Financing   second home  


Posted by The Carroll Realty Group on 7/30/2019

If you are on the fence about whether to accept or reject a homebuying proposal, it is important to remember that a third option is available: countering the offer.

By countering a home offer, you can set the stage for a negotiation with an interested buyer. If a buyer accepts your counter-proposal, you and the buyer can move forward with a purchase agreement. Or, if a buyer rejects your counter-offer, you can always continue to seek out proposals from other potential buyers.

Before you counter a home offer, it is important to know what to expect after you make this decision. That way, you can feel confident about your decision to counter a homebuyer's proposal, even in a high-pressure situation.

Now, let's take a look at three tips to help you analyze a home offer and determine whether to counter it.

1. Assess the Housing Market

The housing market ultimately may play a key role in how a home seller approaches an offer. Because if a seller examines the real estate sector closely, he or she may gain actionable insights that can be used to differentiate a "fair" proposal from a "lowball" offer.

Look at the prices of comparable houses in your city or town, as well as the prices of recently sold residences in your area that are similar to your own. Then, you can use this information to take a data-driven approach to analyze an offer. And if you decide to counter an offer, you can rest assured that your decision is backed by relevant real estate insights.

2. Review Your Home's Pros and Cons

Oftentimes, it is beneficial to consider your house's age and condition as you review an offer. This will enable you to account for any potential home repairs and the costs associated with them – something a buyer also may do before he or she submits an offer on your home.

Don't forget to consider the strengths of your home as well. If you recently performed a series of home upgrades, you probably accounted for these house improvements when you set the initial asking price for your home. Thus, you should have no regrets about countering a home offer if it fails to match your expectations.

3. Consult with a Real Estate Agent

Hiring a real estate agent is crucial, particularly for a home seller who is uncertain about how to proceed with a home offer. A real estate agent can help you evaluate all aspects of a home offer and make it easy to submit a counter-proposal as needed.

Typically, a real estate agent will offer expert home selling recommendations. He or she also will respond to your home selling concerns and questions and ensure you can make an informed decision about any offer, at any time.

Ready to review an offer on your house? Use the aforementioned tips, and you should have no trouble deciding whether to counter a homebuying proposal.





Posted by The Carroll Realty Group on 7/23/2019

Resourcefulness is a key trait of a successful home seller, and perhaps it is easy to understand why.

Typically, a resourceful home seller will be able to identify opportunities to promote his or her residence in any real estate market, at any time. This home seller also will know what it takes to accelerate the property selling cycle and maximize the value of his or her residence.

So what does it take to become a resourceful home seller? Here are three tips to help you do just that.

1. Learn About the Housing Market

The housing market can be difficult to navigate, particularly for a first-time property seller. Fortunately, housing market data is readily available and can provide you many insights that can help you become a resourceful home seller.

For example, home sellers can check out the prices of houses that are similar to their own any time they choose. With this housing market data in hand, property sellers can understand how their residences stack up against the competition.

Home sellers also should evaluate the prices of recently sold residences in their city or town. That way, home sellers can find out whether they are preparing to enter a seller's or buyer's market.

2. Understand Your House's Strengths and Weaknesses

Although you've allocated substantial time and resources to maintain your residence over the years, it is important to realize that no house is perfect. However, a resourceful home seller will understand his or her property's strengths and weaknesses and plan accordingly.

A home appraisal offers a great learning opportunity for a home seller. During this appraisal, a property inspector will examine a home both inside and out. Then, a home seller will receive a report that outlines a house's pros and cons.

After a home appraisal, a property seller may be better equipped than ever before to establish a competitive price for his or her house. As a result, this home seller can boost his or her chances of speeding up the property selling process.

3. Collaborate with a Real Estate Agent

Even resourceful home sellers know that navigating the property selling journey on their own can be tough. Luckily, real estate agents are available who can help you analyze the housing market and get the best results during the home selling journey.

A real estate agent can help you set up home showings and open houses, negotiate with homebuyers and much more. In addition, a real estate agent will learn about your home selling goals and work with you to achieve them quickly and effortlessly.

Perhaps best of all, a real estate agent can provide you with home selling resources and insights that you may struggle to obtain elsewhere. He or she can teach you about the ins and outs of the real estate market and ensure you can seamlessly sell your house.

Get ready to sell your house – use these tips, and you can become a resourceful home seller.





Posted by The Carroll Realty Group on 7/20/2019

This Single-Family in Manchester, NH recently sold for $275,000. This style home was sold by The Carroll Realty Group - KELLER WILLIAMS REALTY / Metropolitan.


134 Charlotte Street, Manchester, NH 03103

Single-Family

$265,000
Price
$275,000
Sale Price

3
Bedrooms
5
Rooms
2
Baths
WELCOME HOME to 134 Charlotte Street! This home is located in the desirable South Manchester neighborhood of Trolley Crossing. Nothing to do but MOVE IN and enjoy all the UPGRADES recently completed by the sellers. BRAND NEW KITCHEN, complete with GRANITE COUNTERTOPS, stainless steel appliances, quality WHITE CABINETRY, and stylish flooring. NEW French doors lead out to the SPACIOUS deck and lovely backyard. The living room is LIGHT AND BRIGHT and boasts cathedral ceilings and HARDWOOD flooring. Head down to the lower level to find a brand new BATH, complete with LAUNDRY. Two more GENEROUSLY SIZED finished rooms to enjoy as well. There is plenty of STORAGE SPACE too. Public water/sewer and efficient NATURAL GAS. New furnace and hot water tank in 2016. Dont miss this one! Arrange your showing today!






Categories: Sold Homes  




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