New Price for Home with Lake Sunapee Access

Beautiful, custom designed home in the Oakledge Community in Sunapee, NH offers an open, warm feeling with good-sized rooms. 3+ bedrooms, 4 baths, low maintenance exterior. Oakledge amenities include clubhouse, tennis and 1400 ft. of shared lake frontage with beaches and decks. Was $925,000, now $895,000. Visit www.LakeSunapeeAccess.com for

New Hampshire February Home Sales Increase, Median Prices Decrease

Home sales activity in the Granite State saw a February increase of 13 percent compared to February 2011, according to data released recently by the New Hampshire Association of Realtors (NHAR). The state’s Realtors reported 661 residential sales last month, compared to 585 in February 2011.  It marked the third consecutive year to see a February increase and was the most February sales since 2007. The median price for statewide home sales, meanwhile, fell nearly 3 percent for the month, from $185,000 in February 2011 to 179,900 in February 2012. Year to date (January and February), unit sales were ahead of last year’s pace by 16 percent, while median price for that period was down 6 percent. “We still have more inventory than you’d find in a balanced market, and that’s continuing to keep prices down,” said NHAR President John Rice, a 40-year veteran of the real estate industry and an agent with Tate & Foss Sotheby’s International Realty in Rye. “As sales increase and inventory decreases, we’ll gradually move out of this decidedly buyer-friendly market. We’re still in the early stages of that process.” In terms of local markets, all but one of the state’s 10 counties saw unit sales increases in February compared to a year ago, including a 23 percent jump in Hillsborough, the state’s largest county. And despite the overall February decrease in median price, six of the 10 counties saw increases, including a 5 percent uptick in Hillsborough County, from $190,000 in 2011 to $200,000 in 2012. February 2012 data residentialFebruary 2012 data condoSource: Press Release, Dave Cummings, New Hampshire Association of REALTORS® Director of Communications

The Ice is Out on Lake Sunapee!

And the fishing will begin on April 1 for the start of the open-water fishing season on landlocked salmon/lake trout-managed lakes in New Hampshire. The other managed lakes are: Big Dan Hole Pond, First and Second Connecticut Lakes, Conway Lake, Lake Francis, Merrymeeting Lake, Newfound Lake, Ossipee Lake, Big and Little Squam Lakes, Lake Winnipesaukee, Winnisquam Lake, and Nubanusit Lake.

NH Fish and Game is encouraging anglers to take the Landlocked Salmon Anglers’ Pledge, a cooperative, volunteer effort to help sustain quality landlocked salmon fisheries in New Hampshire’s large lakes. Learn more at www.fishnh.com/Fishing/salmon_anglers_pledge.html.

New Hampshire fishing licenses can be purchased online at www.fishnh.com, or from any Fish and Game license agent. Annual resident fishing licenses are $35. Resident one-day licenses are just $10. Annual non-resident fishing licenses are $53. One-, three- and seven-day non-resident licenses are also available.

Visit the NH Fish and Game web site for answers to all your questions about fishing, hunting, wildlife and much more www.wildlife.state.nh.us/index.html

7 Mortgage Interest Deduction Myths

Think losing the mortgage interest deduction would be no big deal? We bust seven myths to show why the cost is bigger than you think.

Proposals floating on Capitol Hill to curb the mortgage interest deduction gloss over all the ways home owners, and even renters, would be hurt by the change. Let’s set the record straight.
Myth #1: The mortgage deduction is just for rich people.
  • The mortgage interest deduction helps mostly middle- and lower-income families.
  • 65% of families who use it earn less than $100,000 per year.
  • 91% earn less than $200,000 per year (that’s where most economists draw the line between rich and middle-class).
  • Only 9% earn more than $200,000 per year.
This myth may have arisen because of a related fact: If you buy a house, you’re much more likely to accumulate wealth by the end of your life. Home owners have an average net worth of $200,000, while the average renter’s net worth is $5,000, according to the Federal Reserve’s Survey of Consumer Finances.
Myth #2: I'm not affected by the mortgage deduction because I don't own a home.

If the mortgage interest deduction goes away, home values would fall by 15%, the NATIONAL ASSOCIATION OF REALTORS® estimates. When home values fall, tax revenues follow suit, giving your local government two choices:
  • Raise property taxes. Not only will home owners pay more in taxes, renters won’t escape unscathed either as landlords raise rents to cover their costs.
  • Cut services that everyone—renters and owners—enjoys.
Myth #3: Switching to a 12% mortgage interest credit would be a wash for most.

One proposal floating around Congress is to replace the mortgage interest deduction with a 12% nonrefundable mortgage interest tax credit. (Deductions reduce your taxable income; credits reduce your tax liability.) This plan would increase taxes for many home owners.
Example: If you paid $10,000 in mortgage interest, and you’re in the 25% bracket, you’d pay $1,300 in extra taxes.
  • The $10,000 deduction you have now saves you $2,500 on your taxes (25% x 10,000).
  • The 12% credit would save you only $1,200 (12% x 10,000) on your taxes.
  • In this scenario, if the mortgage interest deduction is changed to a 12% credit, you’d lose $1,300 (the current $2,500 savings minus the $1,200 you’ll save under the 12% plan).
Myth #4: Not that many people take the mortgage interest deduction.

There are 75 million American home owners, and 38.5 million of them take the mortgage interest deduction. The average mortgage interest tax deduction is $12,200, and a typical benefit for home owners is $3,050 a year.
The mortgage deduction is a key benefit to first-time home owners and trade-up buyers because you pay the most mortgage interest when you first take out a mortgage. (You won’t pay equal amounts of principal and interest until year 13 or later, depending on your interest rate.) People with large families also get a lot of bang from mortgage interest deductibility—they buy relatively big houses for their big families.
Myth #5: Getting rid of the deduction won't affect me or my housing market.

It will mean lower property values for all American home owners, including the one-third who own their homes outright and the 12 million who take the standard deduction.
Even if you don’t have a mortgage, getting rid of the MID will affect how much home you can afford to buy—and how much a buyer will pay for your home.
Myth #6: People will still buy my house without the mortgage interest deduction.

Yes, people will still value home ownership, but it will be harder for them to buy your house. The mortgage interest deduction makes it cheaper to buy a home because it saves real money at tax time.
If you bought a home last year with a $200,000, 30-year, 5% fixed-rate mortgage and you’re in a 25% tax bracket, you’d save about $2,500 from the mortgage interest deduction alonein the first year you own your home. That’s money you can use to pay down other debts, save for your children’s college education, or put away to buy a move-up house.
Myth #7: Solving the U.S. budget problems requires everyone to sacrifice.

Home owners already pay 80% to 90% of the federal income tax collected. If mortgage interest deductibility disappears, you and your fellow home owners could foot 95% of federal income tax.
If you’re at the beginning of your mortgage, losing the mortgage deduction will cost you a bundle:
  • $26,685—a 15% drop in value for the median home valued at $177,900.
  • A proportionally smaller gain in overall home equity over your lifetime, because your home now starts from a lower value.
Dona DeZube Dona DeZube has been writing about real estate for more than two decades. She lives in a suburban Baltimore 1970s rancher on a 3-acre lot shared with possums, raccoons, foxes, a herd of deer, and her blue-tick hound.
Visit Houselogic.com for more articles like this.  Reprinted from Houselogic.com with permission of the NATIONAL ASSOCIATION OF REALTORS®.

Gear Up For Summer and Lakeside Fun - New Listing on Mascoma Lake

Charming location on Mascoma Lake. 170 ft. of lakefront with great sandy beach, easy for the kids and adults! State of the art 5 bedroom septic system. Private, 4-5 bedroom cape with 2 baths, separate garage - pack your bags and don't forget the swimsuits!  Offered at $507,000.

Sharon LaVigne, Listing Agent

603-526-4116

Hot Off the Press - New Listing in New London, NH

This well-built, half cape on 7+ acres is less than 10 minutes to the center of New London and a very short drive to a lovely town beach on Pleasant Lake for swim lessons, play, relaxing, and catching up with friends. Attractive finish features and very comfortable living space. Nicely landscaped with year-round Whitney Brook at the rear of the house. Privacy with convenience. First floor master bedroom with private bath. Near conservation land with great, interpretive walking trails.  Offered at $334,800.  For more details and photos, visit www.3BRCapeon7Ac.com.

Marilyn Kidder, Listing Broker

New Hampshire January Home Sales Highest Since 2007

January residential unit sales in New Hampshire were ahead of the prior January for the third consecutive year, as 656 single family homes were sold in the Granite State last month.  According to MLS data released  by the New Hampshire Association of Realtors (NHAR), that number represented a 20 percent increase over the 549 homes sold in January 2011.  The median price of those homes, meanwhile, continued to lag slightly behind, having dropped 4 percent, from $207,000 in January 2011 to $198,500 in January 2012. “Although it’s human nature to look for that one defining month that signals to everyone that the recovery in the housing market is afoot, that’s just not the nature of this economy,” said NHAR President John Rice, a 40‐year veteran of the real estate industry and an agent with Tate & Foss Sotheby’s International in Portsmouth. “As we continue to hear from economists, we’re probably in the early stages of a slow upward climb.  Rice said he was encouraged by the fact that the 656 January sales were the most since 2007, but he pointed out that this mild winter, particularly compared to last year’s frigid and snow‐caked January, has likely played a role in the uptick. “We’re happy to report positive news in terms of the market, but we also need to be clear about the context,” Rice said, “and right now the context is that we’ve had positive conditions compared to last year.” The drop in median price continues to be influenced by the foreclosure market. The New Hampshire Housing Finance Authority reported 368 foreclosure deeds recorded in December 2011, the highest December number since NHHFA began its reporting in 2005. In terms of local markets, eight of the state’s 10 counties saw unit sales increases in January compared to a year ago, including a 108 percent jump in Sullivan County, 45 percent in Belknap County and 36 percent in both Cheshire and Rockingham counties. The state’s largest county, Hillsborough, witnessed a 14 percent sales increase.  Median price, meanwhile, saw increases in four of 10 counties, the largest of those being 22 percent in Coos County. January 2012 data residentialJanuary 2012 data condo With inventory still relatively high, interest rates low and prices competitive, Rice said he would not be surprised to see an excellent spring in terms of sales.  “No predictions, but the market is certainly ripe for a continued increase in activity,” he said. “Those looking to buy a home have excellent opportunities right now.”   Source:  Press Release NHAR, Dave Cummings, NHAR Director of Communications, Concord, NH

Do You Want a Home with Character? New Listing in New London, NH

Cozy arts and crafts style, 3 bedroom home offers character and charm.  Located on a lovely, picturesque, tree-lined road in an area of fine homes.  Enjoy the views of Mount and Lake Sunapee on your long Farmer's porch.  Bead board, hardwood floors, two fireplaces.  Offered at $320,000.  Give Chris McKee a call to schedule your viewing - 603-526-4116.  For more photos and details, visit www.BurpeeHillBungalow.com

Chris McKee, Listing Agent

Got the Real Estate Blues? It's Not THAT Bad! Summary of New London Sales for 2011

Another year has flown quickly by, and it’s time to share with you the Summary of New London Sales for 2011. Note, that in order to include non-MLS transactions, we draw statistics from The Registry Review, as well as MLS. There is some good news in the market’s performance of 2011:  condominium sales began a nice recovery, including 4 sales at The Seasons; the number of waterfront/access property sales increased; and total transaction numbers actually eked up about 4.5%.  MLS stats for condo and residential sales show an increase from 60 to 73, and an increase in the listing to selling ratio from 90% to 92%. The average days on the market increased from 178 to 206, however, I believe this is a function of older inventory selling.  Conversely, more homes sold for <$300,000 in 2011 (26), than in 2010 (16), creating a drop in average price; and total dollar volume inched further downward, despite the increase in number of sales. While this marks the 5th straight year of the decline of total dollar volume since the highs of 2006, it is telling to note that, after the first big drops of 2007-2008, the subsequent decreases have not been dramatic.  A couple more sales in the over $300,000+ range, and these decreases could have been washed out.  It is also the case that one or two large sales can skew the market.  Therefore, I have not included the sale of a single family home for $2,450,000 or the $15,000,000+ commercial sale of the New London Shopping Center. My optimism that 2011 would be the year of change didn’t prove true. There were signs, but just not enough momentum.  I do believe 2011 will be the last year of the downward trend.  Many forecasting services are predicting constant or rising home prices in 2012.  Nationally, buyer and seller traffic was up in late November and December (we were really busy!), which is also a very good sign.  The commitment to keeping interest rates low seems to be there.  I do believe that, if the news continues to be good, and buyers have reason to feel more confident, many of them, who have been sitting on the sidelines waiting for the “right” moment, will chose to buy a home in 2012. Coldwell Banker Milestone had a very successful and productive year in 2011, proving that our consistent performance continues to yield good results for our buyers and sellers.  As always, your referrals are gratefully received, and you can be assured that “The Best Team in Town” will deliver extraordinary service and results.  2011 New London Stats Summary. Marilyn Kidder is Broker/Owner of Coldwell Banker Milestone Real Estate.  Feel free to give her a call for professional advice on any of your real estate needs - 603-526-4116.

Is Your House Camera Shy?

If you're getting ready to put your house on the market, it is important to make sure it photographs well. Since 90% of buyers start their search online, good pictures are essential to grabbing buyers’ interest. Before your REALTOR® arrives to take photos, here are some tips to help maximize your online exposure.

  • De-clutter your house. Pay attention to the small details like removing refrigerator magnets, soap & sponges by sink, and towels hanging on the stove. Also, stash-or throw-all your piles away.
  • Watch out for strong colors as they may not show well in photos. You may want to consider painting walls a more neutral palette or replacing too bold/busy bedspreads. Ruffles and curtains may need to go as well.
  • Avoid having too much furniture in a room – remove excess pieces.
  • Make each room as light & bright as possible.
  • Pay attention to the exterior. Good landscaping and a fresh coat of paint will look great on and off camera.

Talk to your REALTOR® to make sure they are using a camera with a wide angle lens and that they are putting as many photos as possible online. You can count on me for this kind of good advice which will help your property stand out in the market and get the attention of serious potential buyers. Give me a call – 603-526-4116!

Donna Forest, Broker Associate