Your Seacoast NH & ME Professional

Ann Cummings
November 2009
Real
Servicing the Seacoast areas of NH & Southern Maine - Portsmouth, Rye, New Castle, North Hampton, Hampton, Exeter, Dover, Eliot, Kittery, York and surrounding towns.
Copyright © 2009 Realty Times
All Rights Reserved.





Vital Information For
First-Time Buyers


  The first-time homebuyer Federal tax credit for $8000, record-low interest rates, and nationwide median home prices dropping to the lowest point in five years, makes this an enticing time to consider buying a home. By the way, that tax incentive isn't truly just for first-time buyers -- it's defined as those not having owned a home in the last three years. Research and knowing your options are critical. Check with your tax accountant for more details. It’s increasingly likely that Congress will extend and expand the popular home buyer tax credit, which will expire at the end of this month.


Mortgage Rates
U.S. averages as of October 29, 2009:

30 yr. fixed:   5.03%
15 yr. fixed:   4.46%
1 yr. adj:        4.57%




View current rates





      According to an article in August in the Raleigh News & Observer, 10.8 percent of buyers are motivated to buy due to Federal and state tax incentives. So far only 1.14 million buyers have filed



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Relieving the Stress of Packing

     Packing can be stressful time for every member of the family. To ensure that your move goes as smoothly as possible, try the following tips!
      Pack a "Red Box"
      Since one in five American families moves every year, that means 22 million families may be searching for their TV remote controls!
      One of the pitfalls of packing for a move is you can't always anticipate what you'll need when you arrive at your new home, and movers typically list only the obvious such as dishes, glasses, bedding, etc. The miscellaneous items you need in the first few hours invariably wind up on the bottom of a random box.
      To start, you may want to create your own "red box" as some moving companies ("Removers") do in Great Britain. This is the last box loaded and the first one off the truck. The one universal item in the red box is the tea kettle (perhaps this would be the coffee maker in the U.S.). This is also the place




Making Your Home Age Appropriate Creates Appeal

     All of us have something in common with our homes. Sure, style, design, and location are at the top of the list, but how about age? As we age, buyers, especially the baby boomer generation, are looking to transform their homes into a place that they can stay in for as long as possible or they're hoping to find one that's already equipped for them to age-in-place.
      So how old your home and you are, are reason to give some thought to if your home needs age-appropriate adaptation in order for you to be most comfortable. And, in doing so, you may actually make your home more valuable to a wider audience of buyers, should you ever sell it.
      According to the National Homebuilders Association, making a home suitable for the golden years is economicaly sound. The baby boomer generation (77 million people) makes up 28 percent of the U.S. population. Assisted living for this generation can cost more than $60-thousand per year, not counting moving expenses.
      That's pretty pricey. So, if you've taken some steps to make your home an age-in-place sanctuary, then make sure you highlight those renovations if you ever



Check Out Seacoast Area Pictues!

I love living here in the Seacoast and because I do, I have loads of pictures of the area. I started a Portsmouth NH area Photo Blog to share some of my pictures with all who might enjoy them. I hope you'll enjoy them as much as I do!




NH & So. ME Seacoast Areas - My Community and Real Estate Information Sites
     If you're interested in reading about various communities in the NH and southern Maine coastal areas - real estate and community happenings - be sure to check out my real estate blog. I regularly include real estate market reports, events in the Seacoast areas, articles for buyers and sellers, and other articles of interest to those living here and for those who are thinking of making this beautiful area their new home.
     My real estate blog --> http://www.NewHampshireMaineRealEstate.com
     My photo blog --> http://www.NHCoastalLiving.com
     Copy and paste these links into your browser, and each site will open up for you.
     If I can be of any help to you with any real estate needs, please feel free to contact me either by phone or email - whichever works for you works for me!
     email - Ann@AnnCummings.com office - 1-888-349-5678 ext 3839




Daily News and Advice

Read about the events shaping the Real Estate market today, find current interest rates, or browse the extensive library of advice and how-to articles written by some of the top experts in Real Estate. Updated each weekday.



More Articles


October Round Up: Rates Stay Flat

Real Estate Investment Buying Tips

Remodelers Help Homeowners Lower Heating Costs with Weatherization Programs

Extending Homebuyer Tax Credit Best Tool for Sustaining Housing Recovery



Ann Cummings, GRI,CBR,e-PRO
E-mail: ann@anncummings.com
Web: http://www.anncummings.com
Toll Free: 888-349-5678 ext. 3839
Local: 603-431-1111 ext 3839

RE/MAX Coast to Coast Properties
150 Mirona Road
Portsmouth, NH 03801


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