Debi Face - KELLER WILLIAMS REALTY / Metropolitan

Posted by Debi Face on 2/18/2018

An adjustable-rate mortgage (ARM) offers a home loan with an interest rate that may move up or down. Therefore, with an ARM, your mortgage payments may rise or fall depending on a variety of market factors.

For many homebuyers, an ARM remains a viable home financing option for a number of reasons, including:

1. Lower Interest Rate at the Beginning of Your Mortgage

An ARM enables you to purchase a home that may exceed your price range. As such, it frequently represents an ideal option for a young professional who expects his or her income to rise over the next few years.

With an ARM, you are able to lock in an interest rate for the first few years of your mortgage. For instance, with a 5/1 ARM, your interest rate will remain in place for the initial five years of your home loan. This means that your mortgage payments will remain the same for five years, then rise or fall based on market conditions.

Ultimately, an ARM may help you secure your dream home. In fact, an ARM often allows homebuyers to pay a lower interest rate at the beginning of a mortgage than the interest rate associated with many traditional fixed-rate mortgage (FRM) options.

2. Extra Savings for Home Improvements

If you choose an ARM with a below-average interest rate, you may be able to save extra money that you can use to improve your home.

For example, if you want to overhaul your residence's attic or basement or add an outdoor swimming pool, an ARM may help you do just that. Because you'll know exactly what you're paying for the first few years of your home loan, you can budget accordingly and invest in home improvements that may help you boost the value of your home.

3. Affordable Short-Term Financing

If you intend to live in a home for only a few years, an ARM may be preferable compared to an FRM.

In many instances, an ARM will feature a lower interest rate than an FRM. As a result, if you take advantage of an ARM, you may be able to secure a great house at an affordable price. Plus, if you sell your home before your initial interest rate expires, you can avoid the risk that your interest rate Ė and monthly mortgage costs Ė may rise.

Homebuyers should evaluate both ARM and FRM options. By doing so, a homebuyer can assess his or her home loan options and make an informed decision.

If you ever have ARM or FRM questions, banks and credit unions are happy to respond to your queries. These lenders will enable you to evaluate your financing needs so you can acquire your dream house.

Furthermore, consulting with your real estate agent may deliver immediate and long-lasting benefits. Your real estate agent can offer home loan recommendations and put you in touch with local lenders.

Dedicate the necessary time and resources to assess your home financing options, and you can move one step closer to securing your ideal house.

Tags: Mortgage   mortgage rates  
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Posted by Debi Face on 2/11/2018

Itís never too early or too late to start encouraging your children to explore new things and learn new skills. Children will spend most of their time at home, playing with various toys, and learning from their families.

 One way we can encourage kids to learn is to create a positive learning environment within our homes.

 Doing so doesnít have to be an expensive or time-consuming project. There are many ways you can integrate fun learning experiences into your childís daily life at home.

 In this article, weíre going to cover some of the cheap and simple ways to create a positive learning environment right at home so that you can build upon what they have learned (or what they will be learning soon) at school.


It may come as no surprise that kids who read frequently are statistically more likely to excel at school. However, that doesnít mean you just need to sit them down with a copy of Hamlet and wait for their Ivy League acceptance letter.

Reading can be an important way to learn and bond together with their child. The best way to encourage them to read is to read together the books that youíll both enjoy.

Slowly building a home library or bookshelf is a fun way to visualize your hard work and all of the books youíve read together. The best part is that you kind find countless used children's books for less than a dollar at your local thrift store.

Let your child take the lead

Creativity is something that is fostered and taught. Children are lucky to have active imaginations that let them make up games and stories on their own. However, you can help steer that creativity into fun projects at home that will produce something they can be proud of.

A good way to do this is to let your children direct you in the direction of their interests. If they ask you, ďCan I try?Ē while youíre mixing cake batter, youíd often be surprised at how capable they are. Getting them involved doesnít have to mean spending hundreds on a chemistry set that will be used just once--find ways they can help with projects that exist already around your house.

Be a mentor

Parenting is full-time work. It can be hard to find time to spend learning with children after a full day of work and cooking dinner, and itís tempting to spend the rest of the night binge-watching Netflix shows. However, itís possible to relax while still setting a good example for your child.

Watching science shows or nature documentaries together can help you both learn something new. Making trips to museums or growing a garden together on the weekends are other ways you can learn new things and skills and have fun with your children at the same time.

When it comes to food, eating healthy, home-cooked meals and nutritious snacks can be a way for both of you to improve your health and learn the benefits of nutrition.

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Posted by Debi Face on 2/4/2018

Aside from your realtor, your lender will be one of the people that you work the most closely with when youíre buying a home. Before you even sign on with a lender, thereís a few questions that you should ask. Donít feel pressure from a certain lender before you understand what their areas of expertise are. You donít want to end up with homebuyerís remorse because you didnít do the right research before you signed the deal on a home.   

Can You Tell Me About Programs For First Time Homebuyers? 

There are so many great programs for first-time homebuyers. If the lender you choose canít help you with these programs, maybe this isnít the right lender for you. If your lender lacks knowledge in the areas that you need, you probably want to shop around.

How Can You Help Me Qualify For The Loan I Need?

Many times, loans have very specific qualifications that you need to meet. Even if you think you might not meet those requirements due to things like a low amount of down payment or a job change, your lender can often help you to find the details in your situation to help you qualify for a loan. For example, you may have recently changed jobs, but if you have stayed in the same field, your lender can help you to explain these circumstances so that you can still qualify for the loan. 

Are There Downpayment Assistance Programs Available?

There are also many programs and loan types available to help buyers get a home with less than a 20% downpayment. Some loans offer good interest rates with less than a 20% downpayment. There are also many grants and downpayment assistance plans available. Itís important to ask questions to know the right information for your loan circumstances.

What Fees Do You Charge?

Some lenders do charge an array of fees. You donít want to sign on with a lender and then close on the loan, only to find out that youíre knee-deep in fees in addition to all of the closing costs that you have to pay along with the home purchase. 

How Will You Communicate With Me

Just like your Realtor, itís important that your lender communicates with you in a timely manner. Buying a home requires that documents and offers are in on time to secure your home. Donít let anything fall through the cracks by hiring people on your home search that may lapse in their communication with important information.

Tags: mortgage lenders   loans  
Categories: Uncategorized  

Posted by Debi Face on 1/31/2018

2 Leeann Street, Nashua, NH 03062

Mobile Home


Beautiful over sized corner lot. Home has 1110 sq.ft. of living space which makes for a great condo alternative. completely updated with New appliances and Faucet,Floors, and fresh paint.Roof, water heater, heating system and bathroom where replaced in 2012. Water heater is 5 yrs.Central AC, large shed in back yard. 2 more separate sheds attached at each end of home for extra storage. 2 Bedrooms 1 bath and an extra bonus room aprox. 10x45 which can be made into a master bedroom, workshop,man cave, or crafts room. Buyer must get pre-approval into the park.
Open House
February 04 at 12:00 PM to 1:30 PM
Cannot make the Open Houses?
Location: 2 Leeann Street, Nashua, NH 03062    Get Directions

Categories: Open House  

Posted by Debi Face on 1/28/2018

Arranging furniture in your home can be a real puzzle. Thereís so many different mistakes that can be made in how you set up the seating, tables, and bedding in your home that you probably donít even realize it. Below, youíll find some of the most common furniture arranging mistakes and how to fix them. 

All of Your Furniture Is Against A Wall 

It may seem like a way to make your room feel bigger to push everything against a wall, but this thought process is flawed. You want your rooms to feel cozy, not spaced out. Youíll be surprised what floating furniture can do for a room. 

You Put Too Much Furniture In A Room

Whether you have a small space or a giant room, plan what kind of furniture you put in the room very carefully. Overcrowding a space makes it feel stuffy and claustrophobic. While you hope to have enough seating in a room for everyone, you donít need to overdo it. Put the furniture in a room that makes sense for you to have. There's also no harm in having big, open spaces in a room. As long as the purpose is served, sometimes an airy space can be quite a stress reliever.

Putting more furniture in a space wonít help a room to magically grow either. Be realistic about how many square feet you have in a room. From there, you can decide what goes where. If you still feel that you have too many pieces of furniture around, itís time to sell or donate some of the chairs and tables that donít get as much use. 

You Tend To Block Windows With Furniture

Using your sofa or a bed to place in front of a window may seem like a good idea. Whether your purpose is to block some light, or if itís your only option for placement, you may need to do some refiguring. One problem is that the light coming in the window will cause some serious fading to any material thatís in the path. If itís a bed thatís placed across a window, you also face a lack of privacy. 

You can fix any of these issues quite simply with some drapery. Drapery helps to filter the light, reducing the heat in the room. Using curtains will also help you to reduce the incidence of fading on your fabrics. Curtains also help to keep your privacy. While it can be difficult to arrange a small room where a window is your only option for furniture placement, the simple addition of curtains really makes a difference.

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