Compare today to 2008

There are so few homes on the market, and the good ones are going fast.  What does this look like, in comparing it to 2008?  Click here to find out more

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Cut Kitchen Clutter!

Kim Riddell of Regency Mortgage has shared this with me

4 Ways to Cut Kitchen Clutter

The kitchen may be the heart of the home, but it’s also home to a lot of clutter. Resolve to bring order to your kitchen once and for all with these tips.

1. If you have blank space on the walls, consider adding a few open shelves. They provide plenty of storage while keeping everyday dishes and staples, like the coffee canister or cookie jar, within easy reach.

2. Instead of adding to the chaos of lack of counter space, designate a specific “drop zone” for items that find their way into the kitchen each day, like mail, paperwork or electronics.

3. Extend the “everything in its place” mentality to another kitchen staple: the dishtowel. Instead of leaving it on the counter, install a towel bar, towel ring or hook to the side of a cabinet or island to create a spot for it to hang.

4. Upgrade your pantry by adding pullout baskets and shallow drawers. Curved cradles can turn an ordinary shelf into a beverage storage center, allowing you to store bottles on their sides. And instead of wasting the space on the back of the door, install a slim, vertical storage system to provide a spot for plastic wrap, aluminum foil and other awkward-sized kitchen must-haves.

Kim Riddell
Regency Mortgage Corp.
1 Bedford Farms Drive
Bedford, NH 03110

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Are you holding yourself back?

Potential’ is defined as “a latent or underdeveloped power that has not yet come to pass.” Many of us suffer from unfulfilled potential because we subconsciously prevent ourselves from tapping into it. That’s right; we’re often the biggest saboteurs of our own success!

How do we sabotage our success? Through fear—whether we’re afraid of failing or succeeding, we let fear dominate our thinking. We waste our energy focusing on worry, doubt and other limiting beliefs. We stick with unproductive routines and habits that inhibit our progress and prevent us from reaching our goals, if we’ve set goals at all. Or we work in isolation, away from the motivation and camaraderie of other high-achieving individuals.

Luckily, there’s hope! It’s never too late to tap into the greatness that you were destined to achieve. Face your fears, change your mindset and adopt the habits that will lead you to success. If you want to live your best life, the time to start is now.

Adapted from a Class with Brian Buffini.

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Relocating? Here are some tips to help figure out the cost.

Americans are mobile by nature so it should come as no surprise that relocation is a major reason for buying or selling a home.  Deciding to pick up and move to a new city can be a great opportunity to increase your standard of living for the entire family for years to come, but there are also pitfalls.  Failure to properly consider the full cost of relocation can turn a joyful event into pure stress.  Learn how to calculate the full cost of relocation with these quick tips.

Cost of Living

If you currently reside in a high cost area of the nation like D.C. or New York City, then most places will seem more affordable.  On the other hand, moving from a relatively rural area to a major city can result in daunting increases.  When making decisions don’t forget to factor in the costs of commuting, taxes, and even insurance.

Commute and Convenience

Urban warriors relocating to small town life are often giddy at the prospect of saving a bundle on mortgage and insurance.  Before you get too excited, take time to calculate the cost of the new commute and convenience. While it is true that small town living has its advantages, expect to invest more time and money in gasoline, groceries, and other routines.

Cleaning, Clearing and Leaving

Do not forget the cost of moving itself. Whether you rent a truck and do it yourself, or pay to have everything handled professionally, relocation can get expensive.  Include moving fees, cleaning, utilities, insurance, down payments, and lost wages, just to name a few of the anticipated expenses.


One frequently overlooked expense involves potential taxes. Be sure to calculate the cost of any taxes that may be due on the profit of the home if you have not owned it for at least five years.

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Top 10 Remodeling Projects That Offer the Biggest Returns

Just click below and you will get some great information.  Don’t waste time and money if you aren’t going to get the best return for it.

Top 10 Remodeling Projects That Offer the Biggest Returns.

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The broadly-based Standard & Poor’s 500 stock price index had been up eight days in a row as of Friday, its longest winning streak since November 2004. Even better, the S&P 500 closed for the week above the 1500 threshold for the first time since December 2007, before the recession began. The week’s upward impetus was provided by generally upbeat Q4 corporate earnings, the big exception being Apple’s disappointing report. Folks were also happy to see German business confidence up more than expected, a sign that Europe’s biggest economy is on the mend.

There were precious few economic reports to dampen the enthusiasm, although the ones we saw carried the usual mixed messages. The Richmond Fed index of mid-Atlantic manufacturing showed contraction. Housing numbers are covered above. New unemployment claims dropped to 330,000, their lowest level in 5 years, while continuing claims fell to 3.16 million.

The week ended with the Dow UP 1.8%, to 13896; the S&P 500 UP 1.1%, to 1503; and the Nasdaq UP 0.5%, to 3150.

The light week of economic data and the move by investors into risk assets led to selling in the bond market, sending prices southward. The FNMA 3.5% bond we watch ended the week down .83, at $105.18. National average fixed mortgage rates inched up, but still stayed near historical lows in Freddie Mac’s Weekly Survey. Purchase loan applications surged, according to the Mortgage Bankers Association, UP 26% versus the same time a year ago.

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Pantry Redo

  • The redesigned pantry from 11 Magnolia Lane


    Whimsy Meets Function in This Pantry Redo

    It’s a brand-new year — and a great time to reinvent your pantry. Every Thursday this month, we’ll feature an awesome DIY pantry makeover to inspire your own transformation. At the end of January, vote for your favorite at HouseLogic! Read

Visit for more articles like this.


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Things a First Time Home Buyer Should Know

First Time Home Buyer?  Here are some steps to help smooth out the process.

1. Set up a meeting with a REALTOR®, (Lisa Anne Landry, Coco, Early & Assoc, MA & NH licensed who can walk you through the process and connect you to a good Mortgage Specialist.

2. Set up time to meet with the Mortgage Specialist to review your options and to get a pre-approval. Make sure they run your information, and make sure you have given them everything they need.  Ask your REALTOR® for a personal budget worksheet so that you understand how much you can realistically afford each month.

3. Work with your REALTOR® to review your desires, wishes, and needs in a home.  Remember that what you want is not always what you can afford.

4. Drive by the homes your REALTOR® sends you to make sure you like the area the home is in.

5. Go shopping for a home.

6. Narrow the homes down and put in an offer on the one you feel is the best fit for your needs.

7. When the offer is accepted, you will need to have a Home Inspection. The buyer is responsible for this cost but it is important to know any issues a house might have before purchasing.

8. If any major items are found on the home inspection, your REALTOR® will help you prepare an addendum with the requests of items to be addressed and fixed.

9. Make sure all the paper work and requests from your Mortgage Specialist are in. These are very important for your loan. Your bank will need to supply a letter of Commitment a couple of weeks before the purchase of your new home.

10. Talk to the Title Attorney to find out how much you are responsible to bring to closing.

11. Stay in contact with your REALTOR® throughout the process.  If you have any questions or concerns, be sure to have them addressed.

12. Get to the closing on time and prepared.

13. Enjoy your new home.

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Update on the Real Estate Market

INFO THAT HITS US WHERE WE LIVE… What are rising now are asking prices for homes. A major Web real estate portal reports prices for homes listed there were up 3.8% in November versus a year ago. This is the largest year-over-year gain since the housing downturn began. In addition, the listing prices for the three months ending in November were up 0.8% from the prior three months. And the good news was widespread: annual gains were reported in 76 of the 100 largest metros. Finally, asking price gains are now beating rent price gains in the 25 largest rental markets.

The Wall Street Journal reports five factors influencing rising home prices: housing affordability, with price-to-rent and price-to-income ratios favoring home ownership in many markets; increased household formation; rising rents; a decrease in distressed sales; and record low inventories. The Fed’s recent Beige Book reported improving markets for single-family homes in 10 of the 12 Federal Reserve districts across the country.

Thank you Regency Mortgage, Kim Riddell for helping me with this update.

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What’s the Magic Color for Selling Your House?

Color plays a big part in selling a house. How you decide to dress your walls can convince a buyer that your home is “move-in ready” or leave them looking elsewhere. If the goal is to see the sparkle of “love at first sight,” consider picking the right paint palette to suit a range of buyer tastes.

Proper Preparation

When you paint your walls, make sure you prepare the walls properly. Before you start, use a pre-made crack filler or drywall compound to fill in minor cracks and old picture hook holes. Lightly sanding baseboards, window frames and doors is also a great way to ensure that your paint will adhere to the surfaces properly. Make sure you are using the same base paint that currently exists on the surface you are repainting. Latex on latex, and oil base on oil base.

Picking the right colors

Color choices are plentiful, as are the types of paints. When selecting interior colors, consider how you use each room or the feeling that you want to create for the space. White is a great accent, but for walls it is a harsh and cold color. Instead of white, choose warm, inviting and neutral paint colors such as yellows, warm beige and olive tones.  The best rule of thumb for home remodeling is to stick to a color palette that isn’t too bland but also isn’t too bold. For smaller spaces, such as bathrooms, choose colors that make the room look bigger such as warmer whites. For the bigger rooms, select a paint that is a couple shades darker to create a cozy atmosphere. For bedrooms, calming paint colors work best.
Make sure the palette you create flows from room to room. At paint stores, purchase a smaller can of paint and test it on the walls before committing to the color for the entire room.

Wallpaper Can Be a “Turnoff”

Potential home buyers don’t always like wallpaper or at least the wallpaper you may have chosen 15 years ago. They want simple, clean, warm, and inviting rooms and often can’t see past the potential headache that is wallpaper removal. It is a good idea to consider removing wallpaper, or at the very least painting over it where necessary, in order to open the space and make the room feel fresh and clean.

Don’t Forget to Look Up

Potential buyers notice water stains and old-fashioned ceilings. If you have a home with a stucco ceiling, it can date your home to a buyer. Before you show your home, consider painting the ceiling with flat white paint. If you have crown molding, make sure you use the same ceiling paint for a consistent professional look.

Learn From the Experts

Choosing a wall color can be overwhelming. If you don’t know or are unsure, ask the professionals. Some mega hardware and home decorating locations have experts who are ready to help you with your decorating dilemmas.  Additionally, your REALTOR® is a great resource for color choices as well as for home stagers who can give you advice.

When reading magazines, tear out photos of rooms that look appealing and inviting and match the wall colors at the store. Check websites like Houzz and HGTV for inspiration.  Paint color can help you sell a house faster. A fresh coat of paint makes the walls fresh and clean to create an inviting environment for a home buyer.

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