Kayak shop owner expanding to include bicycle rentals | SeacoastOnline.com

This is a great way to See Portsmouth or ride around out to New Castle and over to Wentworth by the Sea. There's no better way to appreciate all that this area has to offer than on a bike. Bill Downey is a local who's middle name should be "enjoy". Come visit the Seacoast of New Hampshire.

Kayak shop owner expanding to include bicycle rentals | SeacoastOnline.com

Buying A Home That Needs Work? You May Have Financing Options!

Did you know that if you are thinking of purchasing a home and it is in need of modernization, repairs or rehab, that you may be able to finance some of that cost in your new loan? Yep -

This is why it is very important for you to talk to a lender BEFORE you start looking at houses -

FHA has 2 programs designed just for this purpose - So, it's important to find an lender that is an FHA Approved Lender and has experience with these programs.

Like any other mortgage program, there are eligibility requirements and limits, but taking that first step in finding the right lender, will make the process manageable for you.

You can find an FHA Approved Lender by going to the HUD website. Or click here for the list of Approved Lenders In Rockingham County, New Hampshire . If you go to the website itself, just enter your state, and county and make sure the bottom box (203k) is checked, then press search and it will return the list of Approved Lenders in your area. For the list of Approved Lenders in the county of Rockingham, NH for example one of the approved lenders is Blue Water Mortgage. I know from experience with past clients that this lender is not only approved, but they are experienced and a pleasure to do business with. But of course who you talk to is up to you - I suggest that you talk to 2 or 3 lenders and find the one that you are comfortable with and is patient with you.

If you would like to find out more about these two programs I've included the links that will give you more detail. This is not the type of program that just anyone should get into as it's going to require work on your part - Also aligning yourself with an Experienced, professional Realtor is also recommended -

Section 203(k) Rehab program
203(k) Streamlined
(make sure to read the Hud Mortgage Letter 2005-50 for more information and you'll find the link on the page).

In my Next post I will fill you in on the new Good Faith Estimate requirements.

Debbie Mae
And as always, regardless of where you live, if you are looking for an experienced, professional Realtor to assist you in your home buying or home selling process, I can assist you in finding just the right person (regardless if you are in New Hampshire or California).

Maintenance & Tax Credits for Homeowners

So, whether you are getting ready to Sell your home or you've decided to stay in your home, I'd like to share some very helpful tips for you on Tax Credits that are available to you - Feel free to share this with your friends and family. And when the time comes to either purchase, sell, or relocate - remember that I can assist you with all your needs and even if you live in another state, I can help you find an experienced & professional real estate agent to assist you with your needs- Debbie Mae

• 

  Tax Credits for Solar Water Heaters

  A federal tax credit makes energy-efficient solar water heaters a more affordable and sustainable option for many homeowners. Read
• 

  Tax Credits for Replacing Heating and Cooling Systems

  Upgrading to an energy-efficient heating and cooling system can save hundreds on your utility bills and earn you a tax credit worth as much as $1,500. Read
• 

  Tax Credits for Replacing Your Roof

  Replacing your roof with a qualifying energy-efficient metal or asphalt roof can cut your cooling bill and earn you a $1,500 tax credit. Read
• 

  Tax Credits for Adding or Replacing Insulation

  A federal tax credit makes adding insulation an even cheaper way to improve your home’s energy efficiency and cut your heating and cooling bills. Read
• 

  Tax Credits for Replacing Windows, Doors, and Skylights

  If money seems to be escaping through drafty windows, doors, and skylights, this federal tax credit might make energy-efficient replacements more affordable. Read

Visit houselogic.com for more articles like this.

Copyright 2010 NATIONAL ASSOCIATION OF REALTORS

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