The Carroll Realty Group - KELLER WILLIAMS REALTY / Metropolitan



Posted by The Carroll Realty Group on 5/22/2018

Having a high credit score is one of the most important and helpful things you can achieve before buying a home. A solid credit history will give you a better chance of being approved for the home loan you want and getting a lower interest rate so that you know youíre getting a good deal on your first home.

But, as any renter can tell you, it can sometimes be difficult to lift your credit score when youíve got so many other things to worry about.

In todayís post, Iím going to cover the best ways to build credit while renting an apartment so you can lift your score to an amount that will help you achieve your goal of homeownership.

1. Take over the bills

If you live with roommates or with your family, one good way to start building your credit score is to simply put more bills in your name.

If youíre certain that youíll be able to make on-time payments on them each month, this can be a way to boost your score without much thought.

Keep in mind, however, that not all utility companies report your payments to credit bureaus, so itís a good idea to check that yours does before putting the bills in your name.

2. Become an authorized user

If taking out new credit isnít an option for you, becoming an authorized user on someone elseís credit account can help you increase your score.

Be sure to find out whether the credit issuer reports payments for authorized users before taking this step. And, once youíre sure that they do, you can be added to the account without changing anything about your spending.

3. Convince your landlord to report your rental payments

In most cases, rental payments arenít reported to the credit bureaus. However, it is becoming more common. Check to see if your landlord uses a service like PayYourRent or RentTrack. If not, consider asking them to try it out.

4. Solving the ďno creditĒ problem

Since we all start off with a blank slate in terms of credit history, some renters have the issues of not having enough credit information to start building their score.

If this is the case, it might be a good idea to open your first credit account. But, wait! Before you start racking up debt on your first credit card, take a minute to make a wise plan.

First, donít change your spending habits just because you have credit. Pick a card that offers rewards in the form of cash back, and only use your card for things like gas and groceries that will help you earn points.

Then, set your card to auto-pay in full each month so that you never start accruing interest. This way, youíll build your credit score and earn money (in the form of rewards or cash back), making it a win-win.





Posted by The Carroll Realty Group on 5/15/2018

This Condo in Manchester, NH recently sold for $68,000. This Garden style home was sold by The Carroll Realty Group - KELLER WILLIAMS REALTY / Metropolitan.


55 Log Street, Manchester, NH 03102

Condo

$68,000
Price
$68,000
Sale Price

1
Bedrooms
3
Rooms
1
Baths
ESTATE SALE !!!! Clean & cozy one bedroom now available at Bass Island Estates! Seller is willing to leave fully furnished , A very clean and "non-smoker " owner occupied unit " which is clean along with new stainless steel appliances. Kitchen cabinets are onsite (pictured) and ready for new finish with color of your choosing. Vacant and ready to occupy or rent "FULLY FURNISHED". Best deal in this Condo development with community pool! Heat and Hot Water included in condo fee. Call for details!






Tags: Manchester   Real Estate   03102   Condo  
Categories: Sold Homes  


Posted by The Carroll Realty Group on 5/15/2018

When choosing a color scheme for the rooms of your home, you may put a lot of thought into what color combinations look good together. There are actually many colors that go together. The bigger question is, will these color combinations stand the test of time? There are certain color combinations that always look good and stand the test of time. 


Shades Of Blue


Blue has become thought of as a neutral color. It looks good in many different rooms of the house. Accents of other neutral colors can easily be added to the room and look great. You can mix and match shades of blue. Dark blues look great with lighter shades of turquoise or sky blue.  


Black And White


This seemingly simple color combination comes with a lot of class. Because of the high contrast of the two colors, it looks quite sophisticated. It works in many different rooms. Accents of silver, wood, and even some warmer colors like shades of red that pop can add definition to a room with a black and white base.  


Tan With Blue Or Green


Shades of tan or beige go along really well with blues and greens. With a beige base, itís possible to really make accents of other earthy tones stand out in a room. 


Gray With Blue Or Green


Just as tans go along really well with blue and green shades, so to do shades of gray. The gray base provides a soothing palette for earthy tones to shine through.


Gray And Shades Of White


Just like black and white shades of gray (usually darker tones) go along well with many different shades of white. With these two very neutral colors at the base of a room, it allows other colors to shine through. You donít even need to focus on earth tones. Allow your imagination to flow and choose from a variety of colors of the rainbow.



Green And Brown


With touches of white mixed in- even a white wall, you can really make green and brown work well together without making a room seem like a jungle. You can give the room touches of other earth-toned accents in order to bring depth in the space.  

 


Blue Shades And Gray With White


These colors may all look kind of bland on their own, but when you put them together, they shine. The 3 colors together make a usually cool color scheme seem warmer and more inviting. Just remember if youíre using a shade of deep blue not to overdo it in any room as it can be overpowering.  

 

When you choose your colors wisely, your home will never go out of style. As you can see, thereís plenty of workable color combinations that allow you to keep your home looking stylish.




Categories: color   color palettes   Decorating  


Posted by The Carroll Realty Group on 5/12/2018

This Single-Family in Merrimack, NH recently sold for $251,000. This Ranch style home was sold by The Carroll Realty Group - KELLER WILLIAMS REALTY / Metropolitan.


30 Burt Street, Merrimack, NH 03054

Single-Family

$239,999
Price
$251,000
Sale Price

3
Bedrooms
5
Rooms
1
Baths
Super neighborhood, Corner Lot (great privacy), Well kept: newer roof, windows, furnace, water heater and updated Bathroom, hardwood floors throughout with 3 Nice sized Bedrooms, Walkout lower level. Wood Stove and Work Shop plus Generator! Sweet trick or treat neighborhood!!!






Categories: Sold Homes  


Posted by The Carroll Realty Group on 5/8/2018

Looking to buy a house without having to break your budget? Put together a homebuying roadmap, and you can increase your chances of finding a top-notch house that falls within your price range.

Ultimately, there are many things to consider as you put together a homebuying roadmap, such as:

1. Your Dream Home Definition

Differentiate your dream home must-haves from your wants Ė you'll be glad you did. If you can determine exactly what you want to find in your dream house, you can narrow your home search accordingly.

For example, if you need a home with multiple bedrooms to accommodate your entire family, you should include this information near the top of your homebuying roadmap. You then can kick off a search of multi-bedroom homes and move closer to finding your ideal residence.

2. Where You Want to Live

Do you enjoy life in the big city? Or, would you prefer to settle down in a small town? Think about where you would like to call home so that you can effectively plan your homebuying journey.

Ideally, you should try to refine your home search to a small collection of cities and towns. This will enable you to speed up your home search and ensure you can find a house that suits you perfectly.

Keep in mind your day-to-day activities as you consider where you want to live too. For instance, if you work in the city, you may want to pursue houses in or near the city itself. On the other hand, you may be able to purchase a small town home for less than what you would have to pay for a city residence and commute into the city for work.

3. Your Homebuying Timeline

Determine how quickly you'd like to finalize a home purchase. That way, you can map out exactly how you want to approach the housing market.

If you are committed to buying a house as soon as possible, you'll need to be proactive. The top houses sell quickly, and if you don't act fast, you risk missing out on your dream residence to a rival homebuyer.

Conversely, if you can afford to be patient, you can avoid pressure throughout the homebuying process. In this scenario, you can pursue houses at your convenience. And once you find the right home, you can submit an offer and finalize your home purchase.

When it comes to creating a homebuying roadmap, it generally helps to get support from a real estate agent. In fact, this housing market professional can provide plenty of assistance throughout the homebuying journey.

A real estate agent will learn about your homebuying goals and help you develop a successful homebuying roadmap. Furthermore, he or she can keep you up to date about new homes as they become available and make it easy to discover a wonderful residence at a budget-friendly price.

Ready to get started on the process of purchasing a house? Consider the aforementioned items as you create a homebuying roadmap, and you can plan a successful homebuying journey.




Categories: Buying a Home   buying tips  




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