Pat Clancey Realty LLC



Posted by Pat Clancey Realty LLC on 12/15/2018

This Single-Family in Nashua, NH recently sold for $295,000. This Cape style home was sold by - Pat Clancey Realty LLC.


26 Charlotte Avenue, Nashua, NH 03064

Single-Family

$285,000
Price
$295,000
Sale Price

3
Bedrooms
7
Rooms
2
Baths
OPEN HOUSE Saturday, August 25th 12-2PM. Young family has "growing pains" and found a new larger home. This cute 3 bedroom cape offers a full bath and bedroom on first floor and another full bath and two spacious, front to back bedrooms upstairs. Finished play-space in basement. Fenced backyard. Recent Pergo and carpet. Fireplaced dining/living room. Great neighborhood, walking distance to Charlotte Avenue School and 5 minutes to restaurants and shopping






Categories: Sold Homes  


Posted by Pat Clancey Realty LLC on 12/12/2018


149 Manchester Street, Nashua, NH 03064

Single-Family

$329,000
Price

4
Bedrooms
8
Rooms
1/1
Full/Half Baths
BACK ON THE MARKET. North Nashua 4 bedroom colonial with beautiful hardwood floors through out, natural wood work and 6 panel doors. Front to back living room with fireplace. Big eat in kitchen and separate dining room. Bedrooms are spacious. Roof, furnace, and hot water heater all replaced within the last 3 years. Newer windows. Lovely corner lot with a very private back yard and huge screen porch. This is the one you have been waiting for!!!
Open House
Sunday
December 16 at 12:00 PM to 2:00 PM
Cannot make the Open Houses?
Location: 149 Manchester Street, Nashua, NH 03064    Get Directions






Categories: Open House  


Posted by Pat Clancey Realty LLC on 12/11/2018

Many first-time home buyers are worried about all of the documents and information theyíll have to gather when applying for a mortgage. If youíre anything like me, youíre probably dreading having to dig through the five places that these documents might be. Fortunately, the process is now somewhat streamlined thanks to lenders being able to collect most of your information digitally.

In todayís article, weíll talk about the documents youíll need to collect when you apply for a home loan so that you feel prepared and confident reaching out to lenders.

Documents needed to pre-qualify

Before going into applying for a mortgage, letís talk about pre-qualification. There are three types, or in some cases steps, of approval with most mortgage lenders: pre-qualification, pre-approval, and approval.

Pre-qualification is one of the earliest and simplest steps to getting pre-approved. It gives you a snapshot of the types and amount of loans you can receive. Pre-qualification typically doesnít include a detailed credit analysis, nor do you need to provide many specific details or documents.

Typically, youíll fill out a questionnaire describing your debts, income, and assets, and they will give you an estimate of the loan you might qualify for. Might is the key word here. Your pre-qualification amount is not guaranteed as you havenít yet provided official proof of your information.

Documents needed for pre-approval

Getting pre-approved for a mortgage entails significantly more work on the part of you and your lender than pre-qualification. First, the lender will run a credit analysis. You wonít need to provide them with any information for this step, as theyíll be able to automatically receive the report from the major credit reporting bureaus. However, itís a good idea to check your report before applying to make sure there arenít any errors that could damage your credit.

Now is where the legwork comes in.

Youíll need to gather the following documents to get officially pre-approved or approved for a mortgage:

  • W-2 forms from the previous two years. If you are self-employed, youíll still need to provide income verification, usually as a Form 1040, or ďIndividual income tax return.Ē

  • Two forms of identification. A driverís license, passport, and social security card are three commonly accepted forms of identification.

  • Pay stubs or detailed income information for the past two or three months. This ensures lenders that you are currently financially stable.

  • Federal and State income tax returns from the past two years. If you file your taxes online, you can often download a PDF version that includes your W-2 or 1040 forms, making the process of submitting tax and income verification much easier.

  • Personal contact information. Name, address, phone number, email address, and any former addresses which youíve lived in the past two years.

  • Bank statements from the previous two months. Also, if you have any assets, such as a 401K, stocks, or mutual fund,  youíll be asked to include those as well.

  • A complete list of your debts. Though these will likely be on your credit report, lenders want to ensure they have the full picture when it comes to how much you owe other creditors and lenders.






Posted by Pat Clancey Realty LLC on 12/4/2018

Once you buy a home, you realize that every penny of your budget matters. The initial purchase of a house can be financially overwhelming. Youíll be withdrawing thousands of dollars from your account to secure the home. Once you close on the house, itís time to buckle down on your budget. Continue reading for some tips on how to do just that.


Food Spending


For most people, food spending is one of the biggest things that suck the life out of their budget. Whether youíre getting take out three times a week or spending massive amounts at the grocery store, itís time to take a serious look at your food spending.


Shop With A Plan


If you head to the grocery store with a plan in mind, your shopping trip will be more successful and less expensive. Many people are unsure of what they have in their cabinets and fridge, let alone what to make for dinner. Make a list of meals to have for the week. Then, see what you need to complete those recipes in your kitchen and pantry. Itís also a good idea to stock your pantry with essentials when sales are going on.        


Supermarket ads can also be incredibly useful. You might have to store hop on a weekly basis, but shopping with the sales can save you a lot of money in the long term. 


Look At Your Credit Card Statements


Are you being charged for a monthly gym membership that you donít ever make use of? You can do one of two things: Start going to the gym or cancel out your membership and begin a daily jogging routine. Look at your cable bill and any other monthly subscriptions that you have. See where you can cut back. Are premium movie channels a necessity? Itís easy to forget what weíre being charged for on a monthly basis if we donít look at our bank and card statements. 


Cut Luxuries


Maybe in your life before becoming a homeowner, you went for a weekly massage or had a monthly housecleaning service. You can still have these luxuries, but they may need to be less often or less extensive. For example, a significant portion of time during maid service is spent loading the dishwasher or cleaning pots and pans. You can clean up after yourself and your family each night following dinner and cut back on the amount of time a maid would need to spend in your home. The cleaning person also now will have more time to spend on other things in the house that need attention. 


You can keep your massage; it may just have to be bi-weekly or monthly. Get creative to still have the things you want in your budget without going overboard.    





Posted by Pat Clancey Realty LLC on 12/1/2018

This Condo in Nashua, NH recently sold for $263,000. This style home was sold by - Pat Clancey Realty LLC.


7 Trocha Street, Nashua, NH 03063

Condo

$263,000
Price
$263,000
Sale Price

3
Bedrooms
8
Rooms
2/1
Full/Half Baths
Carefree living at its best at Country Hill! Light and bright and beautifully renovated, 3 bedroom 2.5 bath contemporary colonial. Open concept living/dining with beautiful granite and stainless kitchen, sliders to a deck off the back to a gorgeous, private yard. Master bedroom with its own huge bath complete with jetted tub. Two more bedrooms and a brand new full bath upstairs. Finished lower level family room. Plenty of room to spread out in this detached condominium, and to enjoy all of the services: pool, tennis, recreation. All just minutes from route 3 for an easy commute. Just lovely!!!






Tags: Real-Estate   Condo   Nashua   03063  
Categories: Sold Homes  




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