manchester: Can I get a Mortgage without having to prove my Income? - 05/02/14 04:48 AM
As Buyers look to take advantage of the Low Interest rates on mortgages, more and more people have the dream of home ownership. A recent question by a self employed person asked if they could get a mortgage without showing their Income in a tax return. The basic answer is no. There is no longer "No Income and No asset verification" loans any longer when you can state your income without providing it's proof.
 
You can search for Manchester area Homes For Sale by clicking here. what is for sale by clicking here.
 

The KEY … (9 comments)

manchester: Can a Seller ask a Home Buyer for more than 1 Pre-approval letter? - 05/01/14 05:24 AM
In the process of setting up showings today for a buyer, the Listing Agent demanded seeing at least 2 Pre approval letters before he would let a buyer even in to see their home listed For Sale in the Manchester NH area. I believe every Listing Agent has the duty to make sure the buyer is qualified, but 1 pre-qualification letter from a local and trusted bank is usually fine. That just was not going to do and without it, the buyer was just not getting in....  
You can search for Manchester area Homes For Sale by clicking here. … (10 comments)

manchester: WHY must I put down a deposit if I am buy w/ VA that is NO money down? - 04/30/14 05:10 AM
A "VA" Buyer was very stern that they should not have to put down any money for a deposit with their offer as they were using a VA Mortgage, and it was No Money Down. He kept using the phrase the Mortgage was "Guaranteed". They were buying without a Buyer broker and have been given some bad advice. The truth is that the mortgage may be guaranteed by VA, but is not guaranteed that everyone who has a VA certificate can get a mortgage.  
You can search for Manchester area Homes For Sale by clicking here. what is for … (9 comments)

manchester: Are Homes Selling for more than they are worth in this type of market? - 04/29/14 04:54 AM
A recent Home Buyer was very stern in that they would not buy a home now, as homes were selling above market value. Do you think they are correct? The truth may be that homes are indeed selling for more, but not more than they are worth but simply more than they were 4 years ago. Value is determined by what a buyer is willing to pay it. That is the secret of market values.
 
The key is that there is a shortage of homes for sale in many markets. That market demand for homes is very strong as … (8 comments)

manchester: Do the Property Taxes on a home affect a Homes Value? - 04/28/14 05:14 AM
Will High Property taxes affect a homes Value? A Home Owner recently reported not
many showings at their home compared to a Listing of mine that sold relatively
quickly less than a mile away, but in a different town. The property taxes were
thousands of dollars more for their home.
 
The BEST way to answer their question was in two parts. Property taxes directly affect value. If you take 2 exact homes and put 1 in each town with low taxes and high taxes, the home in the
lower taxed town will be worth much more money than that … (9 comments)

manchester: Watch the NH Fisher Cats at the 2nd Annual MGSL Night at the Ballpark - 04/26/14 04:09 PM
Want to watch professional baseball for ONLY $10 per ticket? The MANCHESTER GIRLS SOFTBALL LEAGUE located in Manchester NH announces it's 2nd annual MGSL night at the New Hampshire Fisher Cats Minor League Baseball team. It will be on the evening of Saturday JUNE 7, 2014 . Tickets are only $10 each and $4 gets donated back to the Manchester Girls Softball League. 
 
EVERYONE IS WELCOME TO ENJOY THIS SPECIAL NIGHT
Players, parents, friends, relatives and the general public can enjoy a great game and help support local youth sports.

PURCHASE TICKETS ONLINE AT www.MGSLNH.com

Tickets can be purchased on our … (3 comments)

manchester: Spotlight STONE TERRACE Condominiums 1st Quarter 2014 Market Report - 04/25/14 06:14 AM
If you are looking for a condominium, let me introduce to you STONE TERRACE CONDOMINIUMS. They are Luxury homes in the North End of Manchester NH.  Scott Godzyk Owner/Broker of the Godzyk Real Estate Services is frequently asked "Are there any Condos available For Sale in STONE TERRACE?"
 
This community is located in a wooded setting complete with large clubhouse, pool, underground parking and elevators. It has easy access to Schools, Shopping and Highways. These Luxury Garden Style units have large 1 floor living. If you would like to sell you condo, we may have a Buyer waiting to buy … (8 comments)

manchester: Spotlight EAST MEADOW Condominiums 1st Quarter 2014 Market Report - 04/24/14 06:35 AM
If you are looking for a condominium, let me introduce to you EAST MEADOW CONDOMINIUMS, One of the most requested neighborhoods by Home buyers in South Manchester NH. .Scott Godzyk Owner/Broker of the Godzyk Real Estate Services is frequently asked "Are there any Condos available For Sale in EAST MEADOW?"
 
This community is located in a wooded setting with well manicured lawns. It has easy access to Schools, Shopping and Highways. These Townhouse style units have cape style end units and all come with basements, some of which are finished and a variety of extras and upgrades. if you would like to … (7 comments)

manchester: How many Buyers should see a Home For Sale before accepting an offer? - 04/24/14 05:53 AM
Should a Home Owner wait for a certain amount of Buyers to see their home before negotiating or accepting an offer on their home? Recently after showing a home, new to the market, my buyers made a full price offer on the home. The Home Owner was there for the showing which was strange but actually went well as they answered all the Buyers questions. The Home Owner needed to sell quickly and listed the home at a reasonable price.
 
The call we received from this Listing Agent was not so reasonable, as they said, "Despite it being full … (37 comments)

manchester: Do POCKET LISTINGS Help or Hurt Consumers? - 04/23/14 05:49 AM
Many consumers are asking What is a Pocket Listing and how does it affect me? Many agents can tell you a pocket Listing is a property that is listed but not placed in the MLS. There is a sharp debate if they are legal, ethical and if the help or hurt a consumer. I have to say there are valid uses for a Pocket listing however many agents are using them in the wrong manner that can and will hurt their seller.
 
A Listing Agent is hired by the home owner to list, market and sell that property at the … (8 comments)

manchester: Who makes the FINAL decision when Buying a Home anyway? - 04/22/14 06:28 AM
Who gets the final vote? Who says YES or NO to put in an offer on that home? I met a man whose mother is a relocation buyer, an older woman who was selling her home in Florida and is moving back to NH to be close to her kids. He called on a couple of my listings over the winter. Both of which sold pretty quickly without hearing back from him until Monday.
 
He had all winter to find a home and had not done so. The wish list was simple. A good neighborhood, a Ranch style home, … (12 comments)

manchester: Spotlight NEWTON MEADOWS Condominiums 1st Quarter 2014 Market Report - 04/21/14 01:33 PM
If you are looking for a condominium, let me introduce to you NEWTON MEADOWS CONDOMINIUMS, One of the most requested neighborhoods by Home buyers in South Manchester NH. .Scott Godzyk Owner/Broker of the Godzyk Real Estate Services is frequently asked "Are there any Condos available For Sale in NEWTON MEADOWS?"
 
This community is located in a wooded setting with well manicured lawns. It has easy access to Schools, Shopping and Highways. These Townhouse style units have cape style end units and all come with basements, some of which are finished and a variety of extras and upgrades. if you would like … (3 comments)

manchester: What do you think of FREE Lists of Foreclosure Listings? - 04/21/14 06:08 AM
Everyone loves FREE things, but when it comes to Lists of Foreclosures also know as Bank Owned Homes, you may get what you pay for. Even if you do pay for it, it may not be worth the paper it is written on. WHY am I being so harsh? I get flooded with emails and calls for and about "Free" Foreclosure lists. The problem is when a home enters into the foreclosure process, the info is free to anyone. There s no need to pay for it. The second problem is, virtually all of these homes are not even for sale. … (16 comments)

manchester: How can you expect to Close the sale if you strip the house bare? - 04/20/14 06:55 AM
Even an easy sale is never easy until it closes. My Buyers found their dream home, a great neighborhood, priced to sell and a seller eager to move. The buyer is Pre-approved and offers full price. The inspection was perfect. The mortgage process was smooth. The appraisal goes perfect. Then comes the final walk through the morning of closing jest as stated in the purchase and sale contract. The listing agent was too busy to attend and sent us on our own. The seller was out and already signed all their documents. The dream home suddenly did not look like a … (7 comments)

manchester: Is it SAFE to take over a Home Owner's Mortgage Payments? - 04/19/14 06:29 AM
If someone is losing their home due to FORECLOSURE, can I just take over the payments and make the home mine? It is a great idea in principal., however it is not that easy. First the Home Owner's loan would have to be assumable. If it was you would need to pay the amount to bring the loan current. if the loan is not assumable, which most are not, it would be extremely risky to take over mortgage payments when the home and mortgage is in another persons name.
  
 
You can search for Manchester area Homes For Sale … (11 comments)

manchester: What is the market like for INVESTMENT PROPERTIES? - 04/18/14 05:45 AM
Are you seeing an increase in Buyers looking for Investment properties? Here in the Manchester NH area we have a great market for Investment properties. There are many 2, 3 and 4 family homes that are purchased by owner occupants looking to use rental income to pay down or completely pay their mortgage. We also have a nice selection of apartment buildings. There are different tyoes of neighborhoods which do affect the homes value and rental income. Although a lot of the investment homes are purchased with cash, those Home Buyers in need of a mortgage have a wonderful opportunity to buy with the … (11 comments)

manchester: Does the unemployment Rate affect Real Estate sales? - 04/17/14 06:22 AM
The March Unemployment rate is out for  New Hampshire  for March 2014 and has fallen once again to 4.5%. The bottom line is people do not Buy homes if they do not have a job or feel their job is at risk. Here in the Manchester NH area the REAL ESTATE MARKET has picked up with the arrival of Spring. There is a sharp increase in people relocating to Nh for good paying jobs. They LOVE the fact there is no Income and no sales tax. We are seeing a slight increase in homes being listed and a very strong increase in Buyers … (4 comments)

manchester: Should there be a DRESS CODE for Home Buyers when Looking at Homes? - 04/16/14 06:15 AM
It what could become very controversial, should Buyers have a minimum dress code for when they go look at houses listed For Sale? As Agents we are free to dress up as much to as comfortable as we feel our clients will accept us. Home buyers should be comfortable but where is that line. With a new listing finally ready to show, the sellers gave me a window to get in as many showings as I could,. Their elderly parents live with them, and showings need to be accompanied. I was willing to do so, as it was how I got … (17 comments)

manchester: How to WRECK your Closing in 1 easy step - A Lesson on what not to do - 04/15/14 05:44 AM
Every Home Buyer, Home Seller and Real Estate Agent all work towards the goal of closing the sale. The Buyer gets their dream home. The Seller moves on mostly to a larger home, some times downsizing and others a cross country move. What they all have in common a set of steps to complete and other things you NEVER want to do if you want your sale to close.
 
A recent scheduled closing got the clear to close. The HUD was finished, reviewed and approved. A closing time set and the Buyers Bank made wrapped up their pre-closing conditions … (14 comments)

manchester: On my Planet- You Answer calls, work hard & Tell the truth or ELSE - 04/14/14 06:03 AM
With the new Active Rain Challenge asking what things would be like on MY Real Estate planet, I jump at the opportunity to take the "unknown" out of everything that makes Buying or Selling a Home Stressful. The unknown happens form parts of the process that we can not control while other challenges and problems come from someone saying they can do something, who either can not or does not follow through with their job.
 
 
You can search for Manchester area Homes For Sale by clicking here. what is for sale by clicking here.
 
 
(13 comments)

 
Scott Godzyk, One of Manchester NH's Leading Agents (Godzyk Real Estate Services) Rainmaker large

Scott Godzyk

One of Manchester NH's Leading Agents

Manchester, NH

More about me…

Godzyk Real Estate Services

Address: pob 4783, Manchester, NH, 03108

Office: (603) 661-2121

Email Me

Scott Godzyk is the Owner/Broker of The Godzyk Real Estate Services located in Manchester NH. With 25 years of Real Estate experience Scott specializes in Listing and Selling Bank Owned Homes, Short Sales, Residential Properties, Condominiums, New Construction and Investment Properties. Scott services the counties of Hillsborough, Merrimack, Rockingham and Belknap. To contact Scott Godzyk please call 603-661-2121 or email sctprop@aol.com. his website is www.ScottSellsNH.com.


Listings

Links

Archives

RSS 2.0 Feed for this blog