Kimberley Martin - Homes of New Hampshire Realty

Posted by Kimberley Martin on 11/12/2017

As a first time home buyer, you may feel like a fish out of water when it comes to the process of getting a home. If you’re ready to buy your first home, there’s some key mistakes that you should avoid. 

You Think That You Don’t Need Help From A Professional

So many homebuyers think that they can save themselves a few dollars by avoiding working with a realtor. This is a big mistake. Realtors are a valuable resource for buyers and will help you throughout the process of purchasing a home. Realtors can help guide buyers step-by-step while providing assistance with things like negotiations and making sure all of the paperwork gets from point A to point B. You’ll also need other professionals involved in this process of home buying including lawyers and loan officers. Having these people on your team protects you and gives you a backing of knowledge that you wouldn’t otherwise have. 

Don’t Skip Pre-Approval

Getting pre-approved for a mortgage is key before you even start to search for a house. The pre-approval letter is a great resource in helping you land the home of your dreams. If you’re going up against other bids on a home, your bid will be seen as more serious if you have been pre-approved. Getting a pre-approval lets sellers know that you’re serious about the whole process of buying a home and are ready to make the financial commitment. 

Know The Costs Associated With Buying A Home

Just because you have the monthly income to pay a mortgage doesn't mean you’re financially ready to buy a home. There’s a few things that need to be in place before you can even commit to buying a home. First, you’ll need to make sure your credit score is up to par. Next, you’ll need to have enough saved up for a down payment. Without a down payment of at east 20% of the purchase price of a home, you’ll need to pay for private mortgage insurance (PMI). There’s plenty of other costs that you’ll need cash on hand for when it comes to buying a home. This includes home insurance, home inspections, closing costs, property taxes, HOA fees, and maintenance. In other words, there needs to be some wiggle room in your budget for all of the extra costs that go into closing on a home and maintaining a home. 

Don’t Completely Deplete Your Savings

Just because you have been saving up for years to buy a home, doesn’t mean you need to completely deplete your savings in one pass. If you lack an emergency fund, you’re not buying a home with a responsible financial cushion. While you’ll probably take out a good chunk of savings in order to purchase the home, you need a bit more. Experts say that you need about 3-6 months of expenses saved up in case of the event of illness, job loss, or other emergency. Hence the name “emergency fund.”

Posted by Kimberley Martin on 11/5/2017

There's an element that many home sellers don't think about when they start working with a realtor. As odd as it seems, even homeowners who plan to sell their house independently don't always think about this element when they start planning their marketing and pricing strategy.

Find out what helps you to sell your house that has absolutely nothing to do with your house

Yet, realtors and bankers who work for large firms receive in-depth training about this very thing. You use the element every day, often subconsciously. Business leaders rely heavily on this element. They know that the element is key to landing a sale.

What is the element that home sellers miss, the element that is critical in the sales industry? Communication.

It doesn't matter whether you are writing a house posting or writing content for the video ad that you are running on your house sale. It also doesn't matter if you're in the process of staging your house. Communication is key to the success of your efforts.

You need to engage with house hunters to encourage these house shoppers to become increasingly interested in exploring your home during an open house. Simple ways to do this include:

  • Sharing unique stories about warm emotional experiences that you created or enjoyed while inside your house
  • Telling house hunters how your house met the different stages of you and your family's lives
  • Laughing with people who visit your open houses when they share funny tidbits from their lives with you (Your lightheartedness could instill trust in prospective buyers.)
  • Actively listening to people while they are speaking (This may be the single most powerful way to let people interesting in touring or buying your house know that you respect them and value their ideas and opinions.)
  • Asking house shoppers what they are looking for in a house, any house
  • Honestly answering questions that house shoppers poise even if it means that you have to tell house hunters about damages  property

Communication is the difference between losing or winning a sale

Each of these communication skills is important whether you are talking with your real estate agent or a potential house buyer. You have many opportunities to practice these communication skills at work, home or while you are at play.

One way that you will know that your communication style is working is by paying attention to how your realtor responds to your requests. For instance, if you tell your realtor that you want to only schedule open houses on Saturdays between 2 pm and 6 pm only to have your real estate agent schedule the next two open houses on a weekday evening, it might be time to brush up on your communication skills.

It's important that people clearly understand what you are trying to convey. Get the right message across, a message that lays out the benefits that people will immediately step into when they buy and move into your home, and you could significantly shorten the time that it takes to sell your house.

Categories: Uncategorized  

Posted by Kimberley Martin on 10/29/2017

Even if you’ve only lived at your address for several months, it’s likely that you’ve developed an emotional connection to your home. Despite a few hiccups like a pipe leaking, sink clogging or a kitchen cabinet drawer sticking, you might not be ready to sell your house and move into a new home. Renovating your house might prove a better choice. Consider the following factors before you make a final decision on whether to sell or renovate. Neighborhood – Is the neighborhood where you live starting to decline? Is crime increasing, causing property values to drop? It may be time to start house hunting and move into a better neighborhood. Renovating won’t change your entire neighborhood, so this decision is fairly straightforward. Family Needs – If your family is growing, you may need to move in order to give your children sleeping and entertaining room, especially if your children are getting older and want their own private space. You could also renovate and add one to two bedrooms onto your existing home. Age of House – An aging house often means that wiring, pipes and flooring are experiencing wear and tear. If your home has ever flooded or endured hard weather conditions, renovating may call for a roof replacement, new sidewalks, new floor tiles and painting. As part of your renovations, you may also need to replace utility equipment like your water heater or furnace. Job Situation – Think about why you’re considering moving. The chance to work a job that you’re passionate about or the chance to continue working with your current employer who may be relocating to a different town may make it easy to decide to move. If jobs are drying up where you live, you could open up to new job opportunities if you move. However, the chance to get promoted or take on a higher paying role may only come if you stay where you are. Should this be the case, renovating may be the way to go. Disposable Income – Renovating a house can get pricey, especially if your home requires a lot of structural work. Ask a home inspector to tell you how much and what types of work would improve your house. Count up the cost to have these repairs completed. Factor in any cosmetic work that you’d like done on your home. Be honest in determining whether you have enough disposable income to renovate. Compare the cost to renovate your home against the cost of taking on a new mortgage. Remember when relatives and friends visited after you bought your home, helping you to celebrate this new independent step? It wouldn’t be a stretch to say that you felt proud of your decision, a home choice that you made after weeks, perhaps months, of house hunting. Add in years of memories, children growing up in the house and huge family celebrations and moving might be the last thing that you want to do. On the other hand, moving could prove to be the best choice. Before you make a decision, consider the above factors. Doing so could help you to avoid entering the realm of regret.

Posted by Kimberley Martin on 10/27/2017

This Single-Family in Francestown, NH recently sold for $290,000. This Cape style home was sold by Kimberley Martin - Homes of New Hampshire Realty.

354 Wilson Hill Road, Francestown, NH 03043


Sale Price

Historic 1770 Post & Beam home, this property was bought 20 years ago and restored as a VACATION HOME. Many original features were retained: wide pine floors; wide pine panel wainscoting w/chair rail; 12 over 12 paned windows; crown moulding; fireplaces in the living room, dining room, and keeping room keeping room fireplace also boasts a beehive oven; new beadboard cabinetry in kitchen; bath rounds out the first floor. Upstairs - open area landing with built-in cabinetry, 2 bedrooms and full bath. Has full basement with poured concrete floor throughout. Entire house and barn has new electric Add'l 30 x 20 studio/workshop/former barn utilized in part as an artisan's studio with propane heat and running water, and other side is a screened-in brick-floored porch (through which beautiful summer breezes flow), with full finished 2nd story. Detached oversized garage can easily house 4 medium-sized vehicles. Situated on the outskirts of town on 30 acres with views of Crotched Mtn., property also has a small frog pond, woods and fields. Close to golf, skiing, water sports, hiking trails. Surrounded by 100 acres of conservation land. Just a short jaunt to historic Francestown Village. Easy commute to Concord.

Categories: Sold Homes  

Posted by Kimberley Martin on 10/25/2017

814 Goffstown Road, Manchester, NH 03102



This wonderful Ranch has so much to offer! Open concept living/dining area, kitchen with stainless steel appliances, 3 bedrooms up, a full bath and laundry. Lots of great options here; enjoy the finished basement with bedroom with built-ins, full working kitchen-bar area perfect for family gatherings, washer/dryer hook up allowing option for laundry room in lower level instead of main level. Lots of storage, walkout to patio into a full fenced in yard with fire pit. Great commuter location! This is a must see!
Open House
No scheduled Open Houses

Categories: Price Change  

Kimberley Martin