McClintick Real Estate, Inc.



Posted by McClintick Real Estate, Inc. on 11/13/2018

This Single-Family in Nashua, NH recently sold for $225,000. This Cape style home was sold by - McClintick Real Estate, Inc..


5 Perry Avenue, Nashua, NH 03060

Single-Family

$225,000
Price
$225,000
Sale Price

2
Bedrooms
5
Rooms
1
Baths
Single family home in Nashua for sale in a quiet neighborhood. Two bedrooms and one bath upstairs. Large living room with wood stove, eat in kitchen and dining or other room downstairs. The home features a fenced yard, newer vinyl replacement windows throughout, high efficiency gas forced hot air furnace installed in 2006, new roof in 2009 and original decorative tin ceilings. This home is in close proximity to Mines Falls Park and its many walking and hiking trails that are less than 5 minutes from your front door. This property offers easy access to Route 3 and the Everett Turnpike or downtown shopping and restaurants.






Categories: Sold Homes  


Posted by McClintick Real Estate, Inc. on 11/13/2018

This Single-Family in Merrimack, NH recently sold for $347,000. This Tri-Level style home was sold by - McClintick Real Estate, Inc..


3 Berkley Street, Merrimack, NH 03054

Single-Family

$349,500
Price
$347,000
Sale Price

3
Bedrooms
7
Rooms
2
Baths
Beautifully maintained and updated 3 bedroom, 2 bath tri-level home in desirable Merrimack neighborhood. Granite steps at front and side entries set the tone when you walk up to the home. Gorgeous updated kitchen with cherry cabinets, quartz counters and back splash, stainless steel appliances and tile floor. Wood floors in living room and bedrooms. Fireplace in family room. Enclosed porch and deck. Oversized 2 car attached garage. Some other major updates in last several years include: windows, vinyl siding, deck, and hot water heater. Attractively landscaped level lot. Home shows fantastic. Nothing to do, but move in. Showings start Saturday October 6 at Open House - 11 am to 1 pm.






Categories: Sold Homes  


Posted by McClintick Real Estate, Inc. on 11/8/2018

If you’re hoping to buy a home in the near future, there are a number of financial factors you’ll need to consider.

One of the factors that all lenders will consider when determining whether or not to approve you for a mortgage is credit score.

In this article, we’ll lay out the minimum and ideal credit scores that are needed for getting approved for a home loan.

Determining Your Score

As you may guess, credit reporting is a complicated business. There are three main reporting companies that lenders use to determine your credit: Experian, TransUnion, and Equifax. These companies largely collect the same data about your finances, but can have minor variations. Lenders will take these scores and use the median or middle score to determine your credit rating.

Thanks to the Fair Credit Reporting Act, Americans have the ability to confirm the accuracy of their reports.

If you want to find your credit score, there are a number of online reporting agencies that will show you your report for free on an annual or monthly basis.

Minimum credit scores

Depending on the type of loan you’re applying for and which lender you are pursuing, minimum credit scores vary.

For those seeking first-time homeowner (FHA) loans, you’ll need a credit score of at least 580 to qualify for a 3.5% down payment. A score lower than this amount and you will need to put at least 10% down.

Since FHA loans are insured by the government, you are more likely to be approved if you have a low or “poor” or “bad” credit score (usually anywhere from 300 to 650).

Another type of loan that could help people with low credit is offered by the Department of Veteran’s Affairs. These loans, known as VA loans, are guaranteed, in part, by the government. However, the loans are still approved and distributed by lenders who all have varying minimum credit requirements. A good benchmark is that you’ll need a score of at least 620 to be approved.

Minimum isn’t ideal

While you may get approved for a loan with a low credit, this isn’t always a reason to celebrate.

Lenders use your credit score, among other things, to help determine the interest rate of your loan. A lower score often means a higher interest rate.

While 1 or 2 percent can seem like a small number, it can mean paying tens of thousands of dollars more in interest over the span of a thirty-year loan.

To illustrate the importance of one percent, consider the following. If you owe $200,000 on a home and intend to pay it over 30 years, you will pay $103,000 in interest at 3% and $143,000 at 4% - that’s a difference of $40,000.

Rather than shooting for the minimum credit score, a better approach would be to build credit while saving for a down payment. Someone with a credit score of 740 or higher will be seen by most mortgage lenders as an ideal person to lend to.

Of course, life doesn’t always allow for the ideal situation. So, do your best to save and build credit, and be sure to shop around for the best rates when you’re ready.





Posted by McClintick Real Estate, Inc. on 11/5/2018


702 Daniel Webster Highway, Merrimack, NH 03054

Commercial

$170,000
Price

2.01 acre vacant lot. Zoning is C-2. (General Commercial Zone). A variety uses are allowed. A variance for a Contractor Yard and a special exemption for a Single Family home have already been granted by the town. Many other uses would be possible. Curb cut already on property. Town water and sewer at the street. Just minutes to exit 12 or airport exit off Everertt Turnpike. Listing agent has personal interest in the property
Open House
No scheduled Open Houses






Categories: Price Change  


Posted by McClintick Real Estate, Inc. on 11/5/2018


702 Daniel Webster Highway, Merrimack, NH 03054

Land

$170,000
Price

2.01 acre vacant lot. Zoning is C-2. (General Commercial Zone). A variety uses are allowed. A special exception for a Single Family home and a variance for Contractor Yard have already been granted by the town. Many other uses would be possible. Curb cut already on property. Town water and sewer at the street. Just minutes to exit 12 or airport exit off Everertt Turnpike. Listing agent has personal interest in the property.
Open House
No scheduled Open Houses






Tags: Merrimack   Real estate   Land   03054  
Categories: Price Change