IDEAL Real Estate, LLC



Posted by IDEAL Real Estate, LLC on 8/19/2018

If you plan to pursue a home in the near future, there is no need to wait to get a mortgage. Because if you enter the housing market with a mortgage in hand, you'll know exactly how much you can spend to acquire your dream house. As a result, you'll be able to map out your home search based on your property buying budget.

There are many things you can do to ensure you can get a great mortgage prior to launching a house search. These include:

1. Learn About Your Mortgage Options

Banks and credit unions offers a wide range of mortgage options. If you meet with these financial institutions, you can learn about all of the mortgage options at your disposal.

As you assess your mortgage options, it is crucial to weigh the pros and cons of each option. That way, you can make an informed decision about a mortgage and decide which option will serve you well in the years to come.

2. Ask Mortgage Questions

If you are uncertain about what differentiates one mortgage option from another, it is important to remember you are not alone. Fortunately, you can ask mortgage questions to home financing professionals to determine which mortgage option is right for you.

Banks and credit unions employ friendly, knowledgeable home financing specialists who are ready to respond to your mortgage queries. Thus, if you discuss your mortgage concerns with home financing specialists, you can get the guidance you need to choose the best mortgage based on your individual needs.

3. Improve Your Credit Score

Your credit score may have far-flung effects on your ability to get pre-approved for a mortgage. However, if you analyze your credit score, you can determine if you need to take steps to improve this score before you apply for a mortgage.

You are entitled to a free copy of your credit report annually from each of the three credit reporting agencies (Equifax, Experian and TransUnion). Take advantage of this complimentary perk, and you can analyze your credit score at your convenience.

If you have outstanding debt on your credit report, you may want to pay this off as soon as possible. Remember, the sooner you pay off outstanding debt, the sooner you can bolster your credit score.

In addition, if you identify any errors on your credit report, notify the agency that provided the report immediately. This will allow you to correct any credit report mistakes before you submit a mortgage application.

As you get set to apply for a mortgage and conduct a home search, you may want to hire a real estate agent too. A real estate agent can provide expert guidance as you pursue your dream residence. He or she will help you find a house that matches your budget, attend home showings and much more.

Ready to launch a comprehensive home search? Get pre-approved for a mortgage, and you can take the first step to establish a budget for the homebuying journey.




Tags: Buying a home   Mortgage  
Categories: Uncategorized  


Posted by IDEAL Real Estate, LLC on 8/12/2018

In today's real estate market, hardwood floors are a highly desired feature in a house. Potential buyers are often turned off by homes with carpeted floors because it's almost impossible to keep them clean. Time is not on your side when it comes to maintaining nice-looking carpeted floors!

No matter how careful you are, sooner or later someone's going to knock over a glass of grape juice or wine -- and that's only the short list of accidents waiting to happen! While dogs and cats can be a wonderful addition to any family, they are not a friend of floors -- either carpeted or hardwood.

In theory, hardwood floors are easier to clean than carpeting because of the absorbency factor. If your carpeting hasn't been treated with a stain-resistant chemical, it will quickly absorb stains, spills, and pet accidents faster than you can clean them up! Although the latest carpeting materials are much more stain resistant than earlier versions, spills that are not noticed and cleaned up quickly may cause permanent damage.

Spills, water, and pet urine can also wreak havoc on hardwood floors, so a quick response is essential to preventing damage. Here are a few other tips for keeping your floors looking clean and beautiful.

  • Door mats can be helpful in minimizing the amount of dirt and grit that gets tracked into your home. What homeowners and even housekeepers sometimes forget is that door mats need to be shaken out on a regular basis. If they're not, dirt, soil, and other debris will accumulate on the mats, causing them to create more of a problem than a solution! Door mats need to be replaced periodically, too, when they become too worn down or wet to be of any use.
  • Shoe removal: This is a difficult policy to enforce, but it will make house cleaning and floor maintenance easier and more effective. Whether you're talking about carpeting or hardwood floors, shoes are invariably going to track in dirt, grime, water, mud, and other miscellaneous contaminants!
  • The right cleaning methods: Although it's always a good idea to follow manufacturer recommendations when cleaning any type of flooring, hardwood floors often need to be treated with more care than their carpeted counterparts. Since there are a lot of ways to scratch, dent, or gouge hardwood floor surfaces, it's crucial to avoid trying to scrub away spills or stains with any abrasive material. To remove potentially damaging grit, floors should be regularly cleaned with a soft dust mop or broom with soft bristles. Ideally, your vacuum cleaner should also be padded on the bottom to avoid scratching the finish of your wood floors.
While any kind of flooring can be subject to wear and tear over time, the good news is that you can take preventative steps to protect your floors and keep them looking great for many years to come!





Posted by IDEAL Real Estate, LLC on 8/5/2018

Your 401K is a great resource of investing for retirement. Many people use their 401kís as a part of their overall investment strategies, pulling money out of it when itís needed. When youíre ready to buy a house, you may think that pulling money out of your 401k for a down payment is a good idea. But think again. 


Although you should always speak with a financial professional about your money matters, the bottom line is that is probably not the best idea to use your 401k to supply money for a downpayment on a home. 


First, your 401k funds are pre-tax dollars. That means that you havenít paid any taxes on these funds. Your employer will often match the amount of money that you put into your 401k, as an incentive to help you save money for your future. You need to keep your 401k for a certain amount of time before any funds in the 401k become available to you without having to pay any kind of penalty. If you decide to take on the penalty, you can often face a cut to your employerís match programs as well. This is why you must make this decision wisely. 


The Penalties


Anyone under the age of 59.5 pays a penalty of 10 percent to take the money out of the fund. In addition, youíll now need to pay taxes on this money, because it becomes a part of your adjusted gross income. 


Alternative Actions


If you are looking to invest in a property, there may be other options for you rather than pulling money out of your 401k. While some plans allow you to borrow money from it. However, if your only option to get money to invest in a property is to pull money from your retirement account, it may not be the best time to invest in property for you. 


Keep It Separate


If youíre younger (say in your 30ís or 40ís) your best option is to have a completely separate account that is used to save for a downpayment and other expenses that youíll incur when you buy a home. In this sense you arenít spreading yourself too thin as far as investments go. You should compartmentalize your money. Buying a home is a large investment in itself. Home equity can also be a good source of a nest egg in later years when you need it. However, even if a property will be an income property, itís never smart to take from one investment account to provide for another unless youíre shifting your focus. You donít want to reach retirement, only to see that your funds have been depleted and you canít retire as expected.




Categories: Uncategorized  


Posted by IDEAL Real Estate, LLC on 8/5/2018

This Single-Family in Raymond, NH recently sold for $284,000. This Cape style home was sold by - IDEAL Real Estate, LLC.


1 Abbey Road, Raymond, NH 03077-1300

Single-Family

$279,900
Price
$284,000
Sale Price

3
Bedrooms
6
Rooms
2
Baths
JUST LISTED. Beautiful, MOVE-IN READY, Cape style home on well-maintained, landscaped corner lot in secluded neighborhood. Large, private, and full-fenced back yard with flowering fruit trees and Koi pond (unstocked) with manufactured waterfall. Kitchen with large eat-in island. Living room has tiled hearth and wood-stove. Large closets in all bedrooms. Full, unfinished basement has 9' ceilings. Outdoor hot-tub is privately located under deck. Shopping, Places of Worship, Restaurants, Campgrounds, Lakes for swimming and fishing & Bowling Alley in town. Close to many amenities. Skiing 30 - 60 minutes, Beaches 30 minutes +. Close to major highways for traveling to Boston or ME, Rte 101, Rte 95 & Rte 93. Two airports, Manchester/Boston in Manchester & Pease in Portsmouth.






Categories: Sold Homes  


Posted by IDEAL Real Estate, LLC on 7/30/2018


7 Juanita Avenue, Raymond, NH 03077

Single-Family

$210,000
Price

3
Bedrooms
6
Rooms
1
Baths
Home was purchased for use as Parsonage. Current Pastor does not need. Used as Rental for last 1.5 years to 1 family. Looking for your 1st Home or Downsizing. Wonderful One level Living! Great floor plan, large bedrooms. Hardwood floore everywhere except Kitchen & Bath. Eat-In Kitchen leads to large deck for relaxing, barbeques, summer fun. Large front room has been used as Livingroom & Dining Room. At one time there was a 3/4 bath in basement. Plumbing is still intact so easy to add 2nd bathroom. Boderus Boiler. Two hot water tanks. One is off the boiler and used when cooler weather sets in & boiler is in use. Seperate electric hot water tank installed to be used during warmer months so as not to use the oil to heat water. Plenty of room in basement for storage and additional living space, Family Room, Man-Cave, etc. One stall attached Garage. Well established neighborhood in cul-de-sac. Raymond has Shopping Plazas, Grocery Store, Pharmacies, Places of Worship, Restaurants, Bowling Lane, Senior Citizen Center & Gas Stations. Camping Areas, Lakes for Swimming, Fishing, Water Sports & Ice Skating. Easy access to Routes 101, 125, 93 and 95. Convenient to MA & ME, Airports, Beaches, Mountains and Skiing. Home does need updating but ready to move in as is. Come take a look. You'll be glad you did!
Open House
No scheduled Open Houses






Categories: New Homes