Posted by Mary Lou Buckley on 7/22/2018

With school loans at an all-time high, and growing for each passing generation, many homeowners are ready to shoulder off any and all debt as quickly as possible. If youíre in this camp and looking to aggressively pay down debt there are a few options available when it comes to paying your mortgage off.

Seller concessions.

Also known as seller contributions, are where the seller agrees to pay a portion of the closing fees for the buyer. This can include title insurance, inspection fees, and processing fees. If the seller is looking to sell the house quickly they may consider agreeing to seller concessions.

Government options for loans.

Energy-efficient Mortgage (EEM) was created to help homeowners renovate to add environmentally friendly features to their home. So if youíre looking to install double-pane windows or update insulation this could be the loan for you.

Federal Housing Administration (FHA) loans offer lower closing costs, smaller down payments, and a fair interest rate.

U.S. Department of Agriculture (USDA) loans can be applied to homes in rural areas, regardless of if they are a part of a farm. You may qualify to apply for zero down payment and loan payments will be at a fixed rate.     

There are also many local programs offered at the state and city level. A quick Google search for loan options for your area should set you in the right direction!

Plan to Refinance

Down the road, you can refinance for a fifteen year home loan instead of thirty. Youíll pay off your loan in roughly half the time and save money on payments towards interest.

Throw It Everything Youíve Got

Youíll want to check with your lending company first as some have penalties for payments outside of the loan terms. However, if possible, making an extra payment either regularly or time to time will help cut down the overall time it takes to pay off your loan.

For example, you can make one extra mortgage payment each year or tighten up your day to day budget and apply what your savings towards your loan. Many homeowners get creative and take on side gigs to create the extra cash necessary to make additional payments.

If you donít have that room to flex you can also always apply any bonuses, tax refunds or windfalls that come your way. This also makes a bigger impact when paired with regularly scheduled extra payments.

Aggressive debt payoff strategies arenít for everyone. And thatís okay! However, if youíre looking to live a debt free life and enjoy your home knowing itís been paid in total these tactics are for you. With some strategy and creativity, you can find plenty of ways to make the process go quickly and smoothly.





Posted by Mary Lou Buckley on 7/20/2018

This Single-Family in Salem, NH recently sold for $389,900. This style home was sold by Mary Lou Buckley - Coco, Early & Associates.


1 Cove Road, Salem, NH 03079

Single-Family

$389,900
Price
$389,900
Sale Price

3
Bedrooms
10
Rooms
2
Baths
PRACTICALLY PERFECT IN EVERY WAY....You will fall in love with everything about this meticulously maintained and updated home!! Enter the bright and beautiful living room with custom built-in book shelves, gs fireplace and cathedral ceiling! Large eat in kitchen with tile back-splash and center island with slider to the back 16 x 16 + 8 x 8 deck and stunningly landscaped back yard including a brick patio, waterfall and coi pond! 3 spacious bedrooms and 2 full baths!! Finished lower level includes laundry room, mud room, play room and bonus room with 6 man Marquis hot tub! SPECIAL FEATURES INCLUDE: Gas generator powers entitre house and 2 car garage, central air on second floor, custom trim, built-ins and wainscoting, 1 car garage under PLUS 2 car DETACHED garage with 55k BTU heater and is insulated and sheet rocked with unfinished 2nd story, 10 x 12 shed, Irrigation system in front yard, pull down attic, beach rights and SO MUCH MORE! THERE'S NO PLACE LIKE HOME!






Tags: Real Estate   Single-Family   Salem   03079  
Categories: Sold Homes  


Posted by Mary Lou Buckley on 7/20/2018

This Single-Family in Windham, NH recently sold for $735,000. This Colonial style home was sold by Mary Lou Buckley - Coco, Early & Associates.


18 Haskell Rd, Windham, NH 03087

Single-Family

$695,000
Price
$735,000
Sale Price

13
Rooms
4
Beds
3/1
Full/Half Baths
METICULOUS AND EXQUISITELY MAINTAINED.There is truly no work to be done here other than select your furniture! Elegantly & tastefully updated..the home is designed to be enjoyed both inside & outside from the spacious, 2 story foyer w/turned staircase & wainscoting; the 1st flr office w/French doors, hardwood & custom built-ins & formal dining rm w/hardwood, pocket door, wainscoting & crown molding. Entertaining is a breeze in the family rm w/brick f/p and custom built-ins w/open concept to the spectacular Maple gourmet kitchen w/quartz counters, tile back splash, island, double oven and more! The heated sun rm overlooks the meticulously landscaped 8.79 acre lot lined with stone walls and a private garden.The mstr bdrm suite is complete w/dble vanity, quartz counter-tops, jacuzzi soaking tub, shower stall & huge walk-in closet! There are 3 other very spacious bdrms, 1 with it's own private bath & the other 2 with a Jack & Jill bath (all BR's have walk-in closets!) SHOWINGS START 4/22

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Categories: Sold Homes  


Posted by Mary Lou Buckley on 7/20/2018

This Single-Family in Windham, NH recently sold for $735,000. This Colonial style home was sold by Mary Lou Buckley - Coco, Early & Associates.


18 Haskell Road, Windham, NH 03087

Single-Family

$695,000
Price
$735,000
Sale Price

4
Bedrooms
13
Rooms
3/1
Full/Half Baths
METICULOUS AND EXQUISITELY MAINTAINED...There is truly no work to be done here other than select your furniture! Elegantly and tastefully updated...the home is designed to be enjoyed both inside and outside from the spacious, 2 story foyer with turned staircase and wainscoting; the first floor office with French doors, hardwood and custom built-ins and formal dining room with hardwood, pocket door, wainscoting and crown molding. Entertaining is a breeze in the family room with brick fireplace and custom built-ins with open concept to the spectacular Maple gourmet kitchen with quartz counters, tile back splash, island, double oven and more! The heated sun room overlooks the meticulously landscaped 8.79 acre lot lined with stone walls and a private garden. The master bedroom suite is complete with double vanity, quartz counter-tops, jacuzzi soaking tub, shower stall and huge walk-in closet! There are 3 other very spacious bedrooms, one with it's own private bath and the other 2 with a Jack and Jill bath (all BR's have walk-in closets!). Finished bonus room off the 4th bedroom is ideal for exercise room, 2nd office or craft room! SPECIAL FEATURES INCLUDE: 1st floor laundry/mudroom, approx 1000 sq ft finished in LL, newer furnace, portable generator, irrigation system, 2 wells (one for the house and one for irrigation), multi zone heat and much more!! You have found your personal paradise! Come see for yourself and fall in love! SHOWINGS START SUNDAY 4/22/18.






Categories: Sold Homes  


Posted by Mary Lou Buckley on 7/20/2018

This Condo in Atkinson, NH recently sold for $275,000. This style home was sold by Mary Lou Buckley - Coco, Early & Associates.


22 William Pond Road, Atkinson, NH 03811

Condo

$280,000
Price
$275,000
Sale Price

2
Bedrooms
6
Rooms
2/1
Full/Half Baths
SOMEONE YOU LOVE DESERVES THIS...desirable WRIGHT FARM townhouse! Fabulous location overlooking a private, tranquil pond! Enjoy your light and bright eat in kitchen while looking out your front window overlooking your own private courtyard with a beautiful lush garden! Living room with brick fireplace and built-in book cases with open concept dining room area with sliders leading out to your spacious deck overlooking the pond. Spacious master bedroom suite with walk in closet, master bathroom and a private loft area perfect for a home office or exercise area. Second floor also boasts a large second bedroom and a full bath. SPECIAL FEATURES INCLUDE: central air conditioning, beautiful hardwood flooring, detached garage, covered porch, back deck, walkout unfinished basement and much more! WELCOME TO WRIGHT FARM! Showings begin on 10/2.






Tags: Real Estate   Atkinson   Condo   03811  
Categories: Sold Homes