Porcupine Real Estate Blog

Read our blog for fun anecdotes and helpful information about life and real estate. We’d love to add you to our email list for updates; drop us a line!

Should You File a Property Tax Abatement Application?

While nobody likes paying property taxes, there’s no way around it for homeowners. In New Hampshire, there is a process by which you can challenge your property tax assessment, known as the “abatement” process. The tax abatement application must be submitted to your town/city by March 1st. If you think your house is disproportionately assessed at a value much higher than the assessments of…

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Foreclosure Beware

Foreclosure Beware Many buyers are excited by the idea of getting a deal on a foreclosure, but with foreclosures, it’s often buyer beware. Here are our top tips when considering foreclosed properties: No seller property disclosures available Bank is not willing to make repairs or offer closing cost assistance Missing or damaged appliances Improper winterization, resulting in burst pipes. HVAC…

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Mortgage Rate Locks Explained

To lock or not to lock? If you are shopping for a home loan or refinancing a mortgage, your mortgage lender will require you to lock your rate on the amount borrowed no later than five days prior to closing. Locking a rate guarantees the interest rate for a set period of time. The decision to lock or not is a…

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Predicting Mortgage Rates

It is impossible to predict the future and certainly the same can be said for predicting mortgage rates. However, if you know how to watch the indicators, you will have some advantage, and it may help you decide whether to borrow funds or wait until rates drop. Here are a few things to consider to make a more reliable mortgage…

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One year in New Hampshire!

One year in New Hampshire! We have clients who move to New Hampshire from all over the country, and we often get asked what it’s like to live here. We came across a post from a friend of ours, and are reposting it with his permission because, well, we couldn’t have said it better ourselves. Thanks to Robert for permission…

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Choosing a Lender

One of the most frequent questions we receive is, “What lender should I use?” Having been in the real estate industry for over nearly 20 years, we’ve worked with many excellent lenders, and plenty of not-so-great ones, as well. The following are the most important qualities when selecting your lender. – Does your lender have great communication? – Real estate transactions have…

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Home Styles in New Hampshire

Many buyers new to New Hampshire are unfamiliar with the style of homes available. Below are some of the more common styles you’ll see here: Cape Cod – The traditional Cape Cod is characterized by its steeped, pitched roof and chimney. It’s typically a story and a half high, but some houses have converted the attic area into extra bedrooms. The…

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How to Buy Your Dream Home

What is your dream home? It is a water-front home, a cabin in the woods, a city apartment, or a home on a cul de sac in a suburb? The phrase “dream home” means a lot of different things to a lot of different people. Here are some things to consider when looking for your dream home: – Square Footage…

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How to Secure the Best Possible Mortgage Rate

Securing the best mortgage for your home may seem challenging, particularly for those who are first-time homebuyers. Here are three tips that you can use to get the best mortgage rate at any time: Find Ways to Improve Your Credit Score. Your credit score likely will influence your mortgage rate. However, those who track their credit score closely can improve…

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How To Get A Home Loan If You Have Bad Credit

If you have seen your latest credit score and feel like you’re less than financially fit, don’t fret. There are plenty of reasons why people end up with bad credit. There are also plenty of things that you can do to amend and work with your bad credit. The Factors Mortgage lenders look at a variety of factors when it…

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