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🏡 What Is Earnest Money and How Does It Work in New Hampshire? When you make an offer on a home in New Hampshire, you’ll usually include earnest money — a small deposit that shows the seller you’re serious. In the Central NH market (Plymouth, Campton, Thornton, Rumney, Bristol, and surrounding towns), earnest money is typically $1,000–$5,000, or about 1%–2% of the purchase price. Here’s how it works. 💰 What Is Earnest Money? Earnest money is a good-faith deposit held by the

🏡 How Do You Know If You’re Ready to Buy a House in New Hampshire? Buying a home is one of the biggest decisions you’ll ever make. If you’re searching in Plymouth, Rumney, Campton, Thornton, Bristol, or anywhere in Central NH, here are the signs that you’re truly ready to take the next step. ✔️ 1. You Have Steady Income Lenders want to see: Two years of stable work Reliable paystubs Consistent employment If your job situation is solid, that’s a strong green light. ✔️ 2. You

🏡 How Much Are Closing Costs in New Hampshire? Closing costs in New Hampshire usually range from 3%–5% of the purchase price. These expenses cover all the fees associated with transferring ownership, securing your loan, and legally closing on a home. In Central NH — including Plymouth, Campton, Thornton, Ashland, Bristol, and Rumney — buyers should expect total closing costs between $7,500 and $12,000, depending on home price and loan type. Here’s a full breakdown. 💰 What D

What Is the First Step to Buying a Home in New Hampshire? The very first step to buying a house in New Hampshire — before viewing properties or making offers — is getting pre-approved with a lender. Whether you’re buying in Plymouth, Thornton, Campton, Rumney, Ashland, Bristol, or any town across Central NH, a pre-approval gives you the confidence and leverage needed to compete. Here’s exactly why this matters.   Why Pre-Approval Matters in NH A pre-approval: Shows sellers yo

How Much Money Do You Need to Buy a House in New Hampshire? Buying a home in New Hampshire takes more than just a down payment. In areas like Plymouth, Wentworth, Campton, Rumney, Ashland, Thornton, and the broader Central NH region, buyers should understand all upfront costs to avoid surprises. Here’s exactly how much you need to save before starting the process. 💵 1. Down Payment (0%–20%) Your down payment amount depends on your loan type: USDA: 0% down VA: 0% down FHA: 3.

What Credit Score Do You Need to Buy a House in New Hampshire? Your credit score is one of the biggest factors when buying a home in New Hampshire. Whether you’re searching in Plymouth, Campton, Ashland, Bristol, Rumney, Thornton, or anywhere else in Central NH, here’s exactly what lenders look for. 📊 Minimum Credit Scores for NH Home Loans ✔ FHA Loan (Great for First-Time Buyers) Minimum score: 580 (3.5% down) Scores 500–579 may qualify with 10% down FHA is very popular for

How Long Does It Take to Buy a House in New Hampshire? 🏡 How Long Does It Take to Buy a House in New Hampshire? Buying a house in New Hampshire usually takes 30–45 days, but depending on financing, inspection issues, and the property type (cabin, mobile, off-grid, etc.), it can be shorter or longer. In rural parts of Central NH — including Plymouth, Rumney, Campton, Thornton, and Grafton County — the timeline can be affected by things like: Well & septic inspections Radon/ar