We have extensive experience helping buyers find and purchase property, from that dream home to the perfect investment. It is in a buyer's best interest to have an experienced broker working on their behalf through the purchase process. At Hearthside, we have a reputation for getting our buyers' offers accepted.
Our Services
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One-on-one home needs analysis |
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Access to the latest home listings online or via email, fax, or mail
We can build a profile and automatically email listing sheets for properties that match your search criteria as they come on the market |
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Strategic Purchase and Sale Agreement development |
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Contract negotiations with sellers or seller agents for optimum results |
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Sale process management - overseeing of all facets of purchase process including working directly with mortgage brokers, inspectors, and title companies. |
Whether you are a first time home buyer or a seasoned investor, we'll walk you through the sales process from the search to the closing. Contact us.
Start Your Home Search
We may have the home of your dreams listed. Check out our exclusive properties, or search the MLS system for homes for sale in your target areas. If you see something you like, give us a call and we'll get you inside. Not sure what you're looking for, we can help you narrow your search with a one-on-one home needs analysis. Contact us.
The Home Buying Process
» Research
The smartest way to start your home search is by doing some research on local towns. The NH.gov web site is a great resource for detailed town information, as well as local tax rates.
» Mortgages
Before you can set a price range for your home search, you need to find out how much you can afford. You should sit down with a mortgage specialist to determine the maximum dollar amount a lender will approve for your purchase. We recommend that you contact a few different lenders to discuss rates and programs best suited for your purchase. The lender you select to complete your mortgage should be someone you are confident will provide prompt, diligent service and look out for your best interests.
We have worked with many reputable mortgage companies. Below you will find contact information for a few who have consistently provided our clients with superior service.
» Home Search
Now that you know how much house you can afford and have the right towns to look in, it's time to find your dream house. Perhaps it's one of our exclusive properties or maybe it's out on the Multiple Listing System waiting for us to find it. When the time is right, your Hearthside broker will help you track down your dream home.
Should you find that your dream home is a For Sale By Owner, don't forego your right to representation. We can help you through the negotiation and sales process to make sure your best interests are being looked after by a licensed professional.
If you are thinking about new construction, keep in mind that the listed price will often not be the final sales price, as any improvements made to the property beyond the builder's original specs will be added to the price. As long as you keep this in mind, you'll find that there is a world of opportunity in new construction. Whether you are planning to buy a home that is currently under construction or looking for someone to build your dream home from the ground up, we can help you find a reputable builder to make your dream a reality.
» Home Inspection
When you find a property that you can afford and we are ready to write up a Purchase and Sales Agreement, you'll need to start thinking about a home inspection. Whether the house is old or new, we recommend a professional home inspection. You will find that many lenders require an inspection by a licensed profession inspector. Even if your lender does not require an inspection, even if you are paying cash for your new home, we still recommend that you consult a professional inspector.
A qualified, experienced home inspector works for you in providing knowledge about the condition of the house and its systems that may not otherwise be apparent to you. When you are making such a large financial commitment, the expense of a professional home inspection is a small price to pay for the knowledge about your investment.
We have worked with many professional home inspectors over the years. Here's one that has received top honors from our clients:
Pond Farm Inspections
Clark Goodrich - Owner/Inspector
249 Barrett Street, Manchester, NH 03104
Phone: (603) 669-3464
Email: homeinspect@comcast.net |
» Title Insurance
Once all the conditions and terms of your offer to purchase a property (including home inspection, if required) have been met, it is time to start thinking about title insurance. The lender orders the home appraisal to make sure that the property is worth the dollar value you have agreed to pay in the purchase and sales agreement. In addition, the lender protects his financial investment by requiring that you purchase lender's title insurance.
Title insurance protects against loss caused by defects in the title of real estate. The lender requires the title insurance for the amount of the mortgage in order to avoid financial loss should a defect (such as an undisclosed heir to a previous owner) surface after a complete title search and transfer of property. But the lender's title insurance does not cover the owner's investment (your down payment and subsequent mortgage payments, a.k.a. equity).
We strongly suggest purchasing owner's title insurance, usually offered at a reduced premium rate if purchased at closing, to protect your equity in the property and insure future marketability.
We have contacts at many title companies. Here are a couple of reputable companies with exceptional customer service:
Absolute Title
8 Chestnut Drive, Bedford, NH 03110
Phone: (603) 637-1313
Fax: (603)637-1319 |
Old Republic National Title
2 Executive Park Drive, Bedford, NH 03110
Phone: (603)647-8485
Fax:(603) 647-0650
Toll free:(800) 884-8485
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