If you live in Manchester, NH and want to access information about how to apply for residential building permits here is your link to the site: http://www.manchesternh.gov/website/Departments/Building/PermitsandForms/tabid/239/Default.aspx Hope these forms help give you some ideas on what you can do yourself in Manchester.

Professional Office for lease in Bedford New Hampshire. Offering 1, 2, or 3 year ofice lease or more. Ideal set-up for Doctor, Finance, Accountant, Insurance, Lawyer & other professionals Reception area with 4 office rooms with kitchen & bathroom. Room size are: 13x13, 19x12, 16x12, 12x10 & 13x8 Full basement 1,200 sq' for storage. Lots of parking very convenient location E-Z access. Tenant pays all utilities. Lease is considered MG or Modified Gross. Tenant pays $1,200 lease fee and their own utilities, no other hidden fees. It's a great way to control your expenses and grow your income in a professional space with great access along route 101. Bedford is located next to Manchester NH. It is just 10 minutes to the Manchester-Boston regional airport and convenient to I-93 and US Rote 3 with easy access to Lowell, Mass and the Burlington Mass - Boston region. www.bedfordofficespace.info

 

New Hampshire is generally perceived as a great vacation place. One wonderfulplace to live and work. It is overlooked as a great place to conduct or own a business! With the Manchester-Boston regional airport and two interstate highways one can easily travel and conduct commerce in and out of the state without the Boston traffic and stress.

Economically New Hampshire leads all New England states in employment and business growth. It's market data slightly above national averages places NH in a favorable position. With ample office space for lease, and for sale and plenty of land opportunities for business development. New Hampshire is just an hour from Boston. The main growth areas in NH are Bedford NH, Manchester NH, Portsmouth NH, and Nashua NH. With main interstate access including the route I-93 corridor, I-95 and US Route 3, growth has slowed lately, but still respectable. NH boasts no state sales tax, no state income tax creates good growth opportunities for new and growing businesses.  

Next time you are considering relocating your business into a favorable growth climate, consider relocating or opening your new business center into New Hampshire.

The city of Portsmouth will give funds allocated from the federal and state government to those financially hit by the economic crisis through the Portsmouth Housing Authority. The Portsmouth Housing Authority protects those who have been a Portsmouth resident or who currently are a resident and are under financial distress. To meet the requirements of a Portsmouth resident you must qualify by these standards as explained in their application for financial assistance: "definition of a Portsmouth resident: The Portsmouth Housing Authority defines a 'Portsmouth Resident' for the purposes of providing resident selection preference for all its housing programs as: 1. An individual or family that has previously reside in the City of Portsmouth for a period no less than 5 consecutive years, who has moved away and now wishes to return to the City to reside. or 2. An individual or family that has to move to the city of Portsmouth due to age, disability or illness and must live near or with family who resides in the City of Portsmouth and has done so for a period of 2 consecutive years prior to consideration of this request." The Portsmouth Housing Authority will house those in need of a residence through programs they designed to make living in the city more affordable. One must meet their financial requirements in order to benefit from such programs, but nevertheless the programs and funding are there for those in need. I urge anyone who believes they may meet the financial requirements of any city to look into financial assistance programs in their area. Here are some of the nationally funded programs in New Hampshire take a look at how much money they receive for Public Housing Capital Funds only (there is much more money, but the website's link is not working): Manchester Housing Authority $1,607,486.00 Nashua Housing Authority $923,915.00 Dover Housing Authority $728,908.00 Portsmouth Housing Authority $603,400.00 Concord Housing Authority $368,853.00 Somersworth Housing Authority $240,031.00 Laconia Housing & Redevelopment Authority $132,772.00 Housing Authority of the City of Rochester NH $321,433.00 Lebanon Housing Authority $224,796.00 Keene Housing Authority $326,587.00 Berlin Housing Authority $70,279.00 Claremont Housing Authority $124,791.00 Newmarket Housing Authority $73,875.00 Exeter Housing Authority $151,934.00 For more information check out the site: Check out the website's of the agencies listed here and expand your knowledge on their programs. need to contact me check out my website: http://ronfredette.yourkwagent.com/ Any questions? Did I leave anything out? Please post a comment here and I will respond back. need to contact me check out my website: http://ronfredette.yourkwagent.com/

On the May 29th 2009 the release by the U.S.Department of Housing and Urban Development states, "FHA-approved mortgagees and FHA-approved nonprofit organizations as well as Federal, state, and local governmental agencies and instrumentalities thereof may purchase the tax credit anticipated by the homebuyer." What this means for you as a First Time Home Buyer is that you can use the tax credit toward the closing of your home. The FHA approved mortgage will allow a First Time Home Buyer to use the $8,000 tax credit and apply it toward their down payment, closing costs, or to cutting down the percent of their monthly mortgage payments. Caveat emptor. This amount may only be used in excess of the 3.5% down payment requirement. This is clearly stated here again in the May 2009 release: "Accordingly, the proceeds of the sale of the tax credit to FHA approved mortgagees, the seller, or any other person or entity that financially benefits from the transaction (or any third party or entity that is reimbursed, directly or indirectly, by the financing benefiting person or entity), may not be used to meet the 3.5% minimum downpayment, but may be used as additional downpayment, buying down of interest rate, or other closing costs." Also, in the May 2009 release the buyer is protected by a clause that limits the amount of fees that are required for the secondary lien when it explains: "Any costs attendant to the purchase of the tax credit are to be nominal and discounting the anticipated credit to cover the costs and expenses of the transaction must be reasonable and disclosed to the homebuyer. In FHA’s view, fees and costs that total more than 2.5% of the anticipated credit are considered excessive. (Example: $6000 to be refunded, with all fees and costs discounted, borrower should receive not less than $5850.00 for sale of tax credit.)" Need to contact me check out my webpage: http://ronfredette.yourkwagent.com/ If you would like to read this document for yourself please go to this site and read document 9-15: http://www.hud.gov/offices/adm/hudclips/letters/mortgagee/index.cfm If you would like to know the requirements of the First Time Home Credit please visit this site: http://www.irs.gov/newsroom/article/0,,id=204671,00.html?portlet7y Any questions? Did I leave anything out? Please respond here and I'll comment back! Need to contact me check out my webpage: http://ronfredette.yourkwagent.com/

A Variance is a request for an exception to current zoning standards set on a particular piece of property. I only use the word exception to demonstrate that a change has occurred to the lands use. For a piece of property to be granted the change of use the owner must first among a few items demonstrate hardship. Hardship can be split into 2 parts based on statutes regarding two types of Variances, the first part as explained in Ch. 674 of State Law as a 'Use Variance' and must follow these guidelines: a) The current zoning restriction hinders reasonable use of the property in it's surrounding environment. b) No 'fair and substantial relationship' exists between the property restriction and the intent of the zoning ordinance. c) If the Variance is granted it must not injure the public or private rights of others. The second part of hardship explained as an 'Area Variance' must abide by the following guidelines: a) An area Variance is required due to special conditions of the property. b) The benefit sought by owner cannot reasonably be acquired by another method, for example financial hardship. Another condition that must be met to grant the Variance is that the 'Spirit and Intent' of the ordinance must not be broken in order to accomplish the Variance. Also, the Variance cannot affect the values of other properties in the area. I'm sure if the Variance makes property value go up no one would object, but maybe they would. That is an interesting point with regards to an argument one could make against the Variance. The statute doesn't explain the value has to have an adverse affect on other properties, it just states that a change in value must not occur. Moreover, the Variance must benefit the general public not just solely the property owner. This point is also interesting because one must prove the benefit towards others. Furthermore, by not allowing the Variance the owner would suffer an injustice from the zoning board. These are all great things to keep in mind if you are looking for a Variance in your area. In these circumstances a real estate agent is a good resource, but really a lawyer is a better interpretor and executioner of the law. So when applying for a Variance be aware you may need legal council. Did I leave anything out? Any questions? Post them here and I'll respond back.

MDIA (The Mortgage Disclosure Improvement Act) went into effect on July 30th 2009. How this effects you as a consumer is very important to your process in purchasing a home. The MDIA affects those who are preparing to finance their purchase through a home loan. First, The MDIA amends the Truth in Lending Act. The bank that is financing your loan can only require a reasonable fee for a credit-report check before your Truth in Lending is received. After the TIL is received they can accept payment for any other fees (ex. Property appraisals). The Lender is obligated to send you initial disclosures within 3 business days (Monday through Friday, not including Holidays). Moreover, 7 business days (including Saturday not Holidays) must pass before the loan can go to closing. In addition, if the loan APR increases or decreases by more than .125% another re-disclosure must be sent to the customer and 3 business days must go by before the loan can go to closing (includes Saturdays not Holidays). Furthermore, all 7 day and 3 day can be cleared by a waiver that demonstrates a 'Bona fide financial emergency.' The financial emergency clause is not clearly defined in the MDIA, but all borrows must sign the waiver in order to process the request. To help explain what can cause the APR to increase or decrease here are some examples:Origination Fee, Loan Discount Fee (a change in interest rate might require an increase or decrease in this fee), Credit Report, Final Inspection Fee, Mortgage Broker Fee, Tax Service Fee, Processing Fee, Underwriting Fee, Wire Transfer Fee, Flood Certification, Automated Underwriting Fee, Doc Prep Fee, Closing or Escrow Fee, Attorney Fee (Lender only), Pest Inspection, Private Mortgage Insurance/ Mortgage Insurance Premium/ Funding Fee and, of course any change in Loan Amount. Did I leave anything out? Any other questions? Please post them here so I can respond.

How can you tell the difference? Laminate is basically a picture of wood flooring. Hardwood flooring will most likely show the grooves of its installation. There are two types of hardwood flooring options: Solid hardwood and Engineered hardwood. Solid hardwood flooring is comprised of a cut from a single piece of wood. Engineered wood is multiple thin layers of hardwood laminated together. The Engineered Hardwood option is more popular now, since longer planks of wood seem to crack easier due to changes in environment. Laminate is an inexpensive alternative to hardwood and usually holds up better to moister. Although if hardwood is properly taken care of then it can last much longer than that of laminate wood, which typically has a lifespan of 20 years. Some important things to note hardwood floors are sensitive to moisture and it is not recommended to have them installed in wet areas of the home, nor mop them with a wet mop. Hardwood is also sensitive to extended direct sunlight and will change the color of the wood if exposed for a long period of time. Be advised hardwood scratches easily (as some may know when moving furniture). Hardwood is a great addition to a home and definitely adds some value. Hardwood flooring can look very attractive to a buyer if properly treated and built to shine. So shine those floors for your next showing. Did I leave anything out? Any questions? Leave a post or comment and I'll respond back.

Long-term fixed mortgage rates rose slightly over the past week while rates on adjustable-rate mortgages (ARMs) were little changed. Last week's release of July’s employment report showed a slight improvement in the declining labor market. The unemployment rate ticked down to 9.4 percent in July, representing the first monthly decline since April 2008. Approximately 247,000 jobs were lost, fewer than the market consensus and the smallest loss since August 2008. Declines in some local housing markets may be nearing an end as well. Median existing home prices rose among 17 of the major metropolitan areas in the second quarter from the same period last year, up from gains in only 12 of the areas during the first quarter, according to the National Association of Realtors®. This represents the greatest number of areas experiencing annual growth since the third quarter of 2008. Moreover, 81 percent of major cities had house prices rise between the first quarter and second quarter of this year. With this nice weather ahead of us, we should see good Real Estate traffic over the weekend. Never hesitate to call on me for assistance, I’m always available and happy to take your call.

I'm a pretty frequent runner and with the recent spike in weather thought this would be a good discussion to demonstrate how one can 'Beat the heat.' First, try running in the morning since it is cooler, but the humidity is going to be higher. If you run in the afternoon the pavement holds the heat from the day. If you can run in the shade. Some trails in the area with lots of trees provide cover from the sun. Try running around Massabesic lake in Manchester or Auburn. Also, the more you run in the heat you're going to sweat and that sweat will serve as a facilitator for the sun and will generate sun burn and possible skin disease. In addition, one can wear a hat to protect your face, a runner's hat features a breathable liner with dri-rite material that lifts the sweat from your head. When it comes to running in the heat I like to carry water with me by hand or on what we runners' call a fuel belt. Typically you want to hydrate a lot before a run, but give yourself an hour before your run with reduced hydration to let things settle in (I can go into more detail if you would like, just ask). To hydrate correctly while running most experts recommend 6 to 8 fl. ounces every 30 minutes, of course you can survive 30 minutes without water, but anything longer you should bring water. Moreover, when running in the heat you want to slow the pace 10 to 15 seconds slower than normal comfortable pace. Now post-run you want to drink some water and some powerade/gatorade to get the electrolytes back in your system. The best thing to do is take a cold shower or and ice bath (this may be too much for some, but the longer distance runners it's recommended). While putting the cold water or ice on your body remember that heat exacerbates swelling thus the cool ice or water drives the blood away from your muscles and back to your core giving your muscles a break. I highly recommend this technique. Any questions just ask? Can you think of any extra tips?