Prudential Verani Realty Company History

47 Years of Local Market Knowledge And Presence

In 1951, our father Osvaldo Verani came to the United States from Italy in search of a better life. Beginning as a worker in the mill yard in Manchester NH, he had a vision of someday becoming an entrepreneur and owning his own business. In 1960, he opened his first business, Veranis Italian Restaurant which later became one of the most well-known dining establishments in the Greater Manchester area. Taking with him the relationships he built and the passion for providing quality customer service, he then started Verani Realty in 1967 and laid a solid foundation for growth. It was a time when most transactions were face to face, when his personal touch won him a loyal customer base, and his hard work and vision helped others find or build the house that would become their home. He framed his philosophy on the principles of mutual respect, trust, customer service and quality. Today, we continue to reflect his philosophy through providing customers with a higher standard of quality and service by employing dedicated professionals who strive to exceed their expectations. We believe a strong local brand is key in order to connect with our local communities, businesses and towns. Over the years we have indeed broadened our specialization which has allowed us to become one of the premier real estate companies in New Hampshire offering exceptional service in: Residential, Commercial, New Homes & Fine Homes Real Estate Relocation & Referral Services Integrated Mortgage & Title Services As we continue to be a leader in the real estate market we will always retain a sense of our history, a respect for what our father set out to accomplish, and the realization that the expertise and integrity of our people are at the heart of our success.

Margherita Verani, President & Giovanni Verani, Vice President

There are many reasons to live in New Hampshire However, these are our Top 5!
1. Natural Beauty
With 12 miles of magnificent rugged Seacoast, there are the quaint harbors and sandy coves of Rye and Hampton as well as the picturesque historical villages of Newcastle and Portsmouth. Vacationers flock to the beaches of Salisbury with its state reservation and fly fish off its sandy shores. Windjammers and boats leave the protected harbors and head out into the deep waters to enjoy fishing as well as the Isles of Shoals. Mount Washington proudly stands as the highest mountain in the Northeast and the White Mountain peaks offer solitude and beauty. The Connecticut River valley wends between New Hampshire and Vermont and offers breathtaking vistas of rolling green pasturelands. Star gazing is a past time that will never bore you as the skies are so bright with little backlight. Wineries are now offering cold climate wines with their vineyards carefully planted in their protected vales.

2. Outdoor Living
As the Appalachian Trail meanders through the state and through the many national and state parks, hiking is plentiful with well-marked trails. With 48 peaks over 4K in The White Mountain range to day hikes in the each region, there is plenty to explore. Large crystal clear lakes and smaller intimate ponds offer great boating and kayaking opportunities as well as the states many rivers. The Connecticut River offers overnight camping on its many islands as well as outfitters offering daily or overnight treks along its pristine waterway with bald eagles nesting nearby.

3. Tax Free Status

With no sales tax nor income tax, the lure of New Hampshire beckons the shopper as well as the employer. New Hampshire celebrates one of the countrys few states to offer such premium status. The New Hampshire economy and employment rate has fared well in comparison to the rest of the country, even in these economic times

4. Quality Of Lifestyle
With several times in Money Magazine and other print media, New Hampshire is always listed in the Top Places To Live as well as the Top Places To Retire. This state offers a lifestyle balance for people who want to enjoy access to urban activities and reside in a safe environment. Offering many cultural events, fine art and academic institutions such as Dartmouth and Exeter Academy coupled with its natural beauty, there is no need to travel far to enjoy life at its finest.

5. Close To Everything
With close proximity to Boston, a short drive to Canada, close to Vermont offerings and a state of the art airport, access to travel has never been made easier. The drive along Route 89 has been noted in travel books as one of the countrys prettiest drives and it is easy to see why!

With a Top 5 like this, why does New Hampshire ever need a Top 10? New Hampshire has it all so why not come and see why?

100 Things You Can Do To Get To Know... The Real New Hampshire!

Below are some places, activities, events and diversions that afford insight into the culture and values of the real New Hampshire - the part of the state that is distinctive and different from the rest of America. Most of these things dont cost a nickel - the rest can be done for $20 or less! ~ 24) Watch the sheep-to-shawl competition in the New Hampshire Sheep to Wool Festival in New Boston. 25) Get caught in the Columbus Day foliage weekend traffic jam on Route 16 in Conway. 26) For a real crowd experience try Hampton Beach on a hot July Fourth. 27) Walk the Amoskeag Mill yard and imagine when it was the worlds greatest textile complex. 28) Find a good junkyard where theyll still let you pull your own car parts out of the hulks. 29) Ride the Thomas Laighton to the Isles of Shoals. 30) Sit in a bob house and fish through the ice. 31) View the landscape paintings of Durham artist, John Hatch. 32) Attend First Night any place they hold them. 33) Drink soda made by Squamscot Beverage of Newfields from a returnable bottle. 34) Join the blessing of the motorcycles at the Shrine of Our Lady of Grace in Colebrook. 35) Pick your own berries or apples at a nearby farm. 36) Watch the lobsterman off-load the days catch at Saunders Lobster Co. in Portsmouth Harbor. 37) Climb to a fire tower and talk with the observer. Hurry they may not exist much longer! 38) Follow Ray Burton around on one of his North Country tours. Or go to his annual lawn party if you get invited. 39) Dig clams in the Hampton River. 40) Spend a day at Mount Sunapee Crafts Fair. 41) Get yourself to the summit of Mount Washington on a clear day. 42) Buy fresh cider from a water-powered mill in Lost Nation. 43) See the gigantic, world-record-setting jack o lantern display in Keene. 44) Go on a coon hunt through the Connecticut Valley cornfields, or try fishing for horned pout. 45) Study the New Hampshire photography of Peter Randall. 46) Bid on antiques or collectibles at a country estate auction. 47) Stay overnight at an AMC high mountain hut. 48) Observe a purple finch, the New Hampshire state bird. 49) Chat with a skier who went from New Hampshire to solider with the 10th Mountain Division in World War II, especially one who once competed at Berlins Nansen Jump. 50) Serenade your sweetheart as you stand beneath the Great Stone Arch in Tilton. 51) Subscribe to the Weekly Market Bulletin. 52) Walk the grounds of the Balsams Hotel, Dixville, and take in the sight of 35,000 flowering plants. 53) Take in the play The Old Homestead produced every year without fail in Swanzey. 54) Read Ernest Hebert novel and see if the characters sound like some of the people in your town. 55) Head into an alder swamp in April and pick fiddleheads, then take them home and fry them in butter. 56) Turn on a radio in Pittsburg and see if anything comes in. 57) Ride the train that passes through Crawford Notch. 58) Buy or make a tortiere for a Christmas feast.

Steve Taylor, New Hampshire Commissioner of Agriculture

1) 2) 3) 4) Drive Moose Alley, Pittsburg. Its actually US Rt. 3, north of the village for eight or nine miles. Best late in the afternoon. Beware fast-breaking tourists. Bring your camera. Attend any lecture on any aspect of New Hampshire history given by Jean Daniell of Dartmouth College. He appears often around the state. Learn and sing the words of Old New Hampshire. Visit a real working dairy farm, stand in the pit of the milking parlor and watch what happens. Try Graymist Farm, Groveton; Tullando, Orford; Struats, Stratham; Pine Lane, Contoocook. Take in the Friday night races at Canaan Speedway. Dress down. Ride around the back roads of Kidderville and East Colebrrok and see a pastoral landscape slipping back into a spruce forest. Attend any football, soccer, or basketball game between two tough old mill town high schools, such as Newport vs. Stevens of Claremont. Canoe a section of the Ct., Merrimack, or best, Androscoggin white water. Stand at the rail of the ox pulling ring at Cornish of North Haverhill Fair and just listen to the accents. Drive Rt. 135 from Woodsville north through Bath and Monroe for a glimpse of unspoiled 1930s New Hampshire landscape. Get out of your car and slowly walk through any NH covered bridge. Climb down the stream bank and look up under, too. Carefully read the Coos County Democrat, especially the news notes from places like Milan and Columbia and anything written by John Harringan, the owner-publisher-editor. Ride a jet ski on any lake where its still legal. See in person every major candidate running in the Presidential Preferential Primary. A great place to find them is Lindys Diner and be sure to try the onion rings when youre there. Join a community theater group. Dance at the monthly contra dance at the Nelson town hall. Eat fried dough with cinnamon and sugar at Weirs Beach or Deerfield Fair. Watch the sap boil at a sugarhouse and taste the sugar hot from the pan. Try to find Mel Thompson at his Orford evaporator. Sit in the gallery of any district court on small claims day. Ride a snowmobile on any Coos County trail. Attend a Grange meeting. See the Christmas lights at LaSalette shrine in Enfield. Tune in Bob Barbin on WMOU, Berlin, when he does his Sunday morning French language broadcast.

5) 6) 7) 8) 9) 10) 11) 12) 13) 14) 15) 16) 17) 18) 19) 20) 21) 22) 23)

100 Things You Can Do To Get To Know... The Real New Hampshire!

59) BYOB and try line dancing at the Circle 9 Ranch in Epsom. 60) Talk to a professional logger and learn the difference between a feller-buncher and a slasher, and about the changes taking place in the wood harvesting business. 61) Observe the importance of a small town identity at the state high school Class S basketball tournament at Plymouth State. 62) Enjoy souvlaki and listen to old men argue in Greek at the Gas Lighter in Concord. 63) Find somebody who makes a good hard cider. 64) Stand in the studio at the Saint-Gaudens National Historical Site and visualize the sculptor at work on his seated Abraham Lincoln. 65) Learn how to use a scythe and snath from the oldtimers at the Sullivan County hand mowing championships or First Cut in Lyme. 66) Sample the breads and pastries made in Finnish family kitchens and sold in stores around New Ipswich. 67) Drive to Danbury in May and look at the thousands upon thousands of daffodils planted over the years by the kids in Marylou Ogmundsons third grade class. 68) Study the layout of the village of New Castle and Sandwich as examples of 18th and 19th century vision and planning, respectively. 69) Watch the sun rise at the Cathedral of the Pines in Rindge. 70) Bet the dogs and sniff cigar smoke at the Hinsdale Raceway. 71) Hunt up Muriels Donut Shop in Lebanon and have a cruller straight from the kettle. 72) See a stiff-functioning one-room school, the Blue Scholl in Landstaff, and find out why townspeople fight to keep it open. 73) Enjoy chocolate milk bottled in glass by Hatchland Dairy of North Haverhill. (Rated New Englands Best by the Boston Globe.) 74) Sit in the audience any day the House Municipal and County Government is taking up bills relative to dogs. 75) Join a crew raking wild blueberries in Gilmanton or Brookfield. 76) Order poutine at Chez Vachon on Manchesters Westside. 77) Watch the Moran tugboats nudge an oil tank up the Piscataque River into Portsmouth Harbor. 78) Sample the fare from at least a half dozen church suppers, and take seconds on pie whenever theyre offered. 79) Attend town meeting without fail. 80) Lick the tires on the used log skidders and farm tractors at Eddie Nashs equipment emporium outside Colebrook and talk to the guys looking to buy his stuff. 81) Take a rowdy rafting party on Winnipesauke or the Saco River. 82) Learn why the road agent is the most important person in a rural community. 83) Look up at a clear New Hampshire winter sky at dusk and see where the term Maxfield Parrish Blue came from. 84) Hang around the crowd at the first farm auction in the spring. 85) Know what an interval is and what Robert Frost thought about it. 86) Listen to the Shaw Brothers sing Id Like To Teach the World To Sing and New Hampshire Naturally at a nice benefit concert. 87) Get a DeLormes Atlas of New Hampshire and use it to explore places like Bungy, Hemlock, Poocham, and Granite. 88) Tap your feet in time with the fiddlers at the Stark Fiddlers Festival. 89) Savor the influence of Bluefinch, Morey, and other great American architects on the Seven Swans, the great mansions on The Ridge in Orford. 90) Try to count the yard sales, collectible merchants, and antique dealers along US Route 4 through Northwood. 91) Climb Monadnock and see what makes it the Most Climbed Mountain in the western hemisphere. 92) Make sugar on snow. 93) Read the New Hampshire focused essays of Donald Hall and novels of Thomas Williams. 94) Find the prettiest commons. Start in Haverhill and dont forget Acworth, and Walpoles Washington Square. 95) Compare and contrast the annual business meeting of a big regional school district with that of a small singletown school district. 96) Watch and listen to the goings-on at a deer weighing station. 97) Live through a good chimney fire. 98) Cheek-to-cheek dancing at the Rockingham Ballroom in Newmarket and dream what it was like when the Dorseys and Paul Whitman played there. 99) Staff a community recycling center a few days. 100) Eat at any diner that still sells good fried tripe.

House Hunting Tips

Looking at homes for sale in NH or MA?

These six house hunting tips can help make your experience more rewarding when buying a home.

1. Location, location, location You've probably heard the old real estate saying, "location, location, location," but the point still bears repeating. When looking at real estate, location is crucial. How good are the local schools, shopping centers, public transportation, senior services and other public amenities near you? How far are you willing to commute to your place of employment? Will your new home be next to a vacant lot or a commercial property?

Prudential Verani Realty knows even a picture-perfect dream home can be a mistake if it's in an undesirable location, and a poor-location home can be a particularly bad choice if you anticipate reselling the home within a few years.

2. Make lists so as not to overlook details Thousands of little details are what make a house a home. But how are you supposed to remember thousands of details you will want in the future when you're trying to go through the home buying process? Writing things down on lists is underrated these days; in lengthy processes, it can do wonders. Do you really know what you need and want in your home? You'll save yourself many hours of shopping and remembering if you make a list ahead of time. Zero in on the features you must have, would like to have, would prefer not to have, and definitely don't want. Your goal is to find the right home for your family without falling in love with one that doesn't suit your needs. Start compiling your wish list by thinking about what you like and dislike about your current home. With all the homes for sale in New Hampshire, and in Massachusetts chances are the right one is out there. Touring multiple homes is a confusing experience for most people. Rather than relying on memory, make notes about the homes you visit. Ask your Prudential Verani Realty agent for printouts of all the homes for sale in you will be viewing. Turn our priorities into a personalized home-shopping checklist and use it track the features of each home.

House Hunting Tips

3. Don't be reluctant to do a little bit of homework Not long ago, consumers had very little access to information about recent home sales prices, market trends, homes on the market, neighborhood statistics and the home-buying process. Today, all this information and more is available on Verani.com.

Go surfing. Get educated. Review all real estate and homes for sale that are relevant to you; remember the NH, MA, and ME MLS (http://www.verani.com/listing/search) is only a click away.

4. Get pre-approved for a mortgage Your top-dollar home price is a function of your household income, your creditworthiness, interest rates, the type of loan you select and how much ready cash you have for the down payment and closing costs, among other factors. Rather than guessing or estimating how much you can afford to spend, ask a mortgage broker to give you a full assessment and a letter stating how much you're qualified to borrow. The true amount may be significantly more or much less than you think. 5. Make an offer If you are serious about buying a home, go through a blank purchase contract ahead of time with your Prudential Verani Realty agent so you'll know what decisions you'll face when you make an offer. 6. Keep Cool Granted, buying a home is a major event in life, but it's not worth making yourself crazy or super-stressed. Take some time at the end of your day to unwind, calm your thoughts and emotions, and keep life in perspective.

Six Questions Home Buyers Should Ask to Gain Insight on a Home

Unlike an automobile, you can't test drive a home before you purchase it. You have to base your decision on factors such as layout, condition, location, size, price, etc. And of course, the seller is obligated to disclose the property's condition, which may alert you to issues such as previous mold, defective water heater or leaky roof. Yet, that still doesn't always paint the entire picture.

You should ask the seller additional questions in order to gain the full picture of the prospective home before you make the final decision.

Six questions home buyers should ask: 1. Why is the seller selling the house? This question may help you evaluate the "real value" of the property. Is there something about the house the seller does not like? If so, you may be able to adjust the purchase offer accordingly. 2. How much did the seller pay for the home? In some instances, the answer to this question may help you negotiate a better deal. However, it is important to remember that the purchase price is influenced by several factors, like the current market value and any improvements the seller may have made to the home. The original purchase price might not actually have much to do with the current value of the house, but it can always help you gain insight to ask. 3. What does the seller like most and least about the property? By asking the seller what he or she likes most and least about the property, you might get some interesting information. In a few cases, what a seller likes the most about a home might actually be something the buyer is looking to avoid. For example, if the seller describes his house as being in a "happening neighborhood," the buyer might consider this a negative factor because the area may be too noisy or busy for his or her taste.

Six Questions Home Buyers Should Ask to Gain Insight on a Home

4. Has the seller had any problems with the home in the past? Has the seller had problems with the central air, leakage from the upstairs bathroom, or some other problem in the past? If so, even if they have been corrected, there might be some indirect damage. Checking that these items were repaired properly is a good idea. You will be given a copy of the NH Seller Disclosure Statement completed by the homeowner if you are considering making an offer on the property. 5. Are there any nuisances? Use this question to find out about barking dogs, heavy airplane traffic or even planned changes to the community, such as street widening. This may give you insight on why the seller is really moving. 6. How are the public schools in the area? Because the value of a community is usually greatly influenced by the public schools in the area, finding out the buyer's perception can give you some insight about the quality of the area's schools. Knowing all you can about a prospective home will help you make a more informed decision as well as offer. Your Prudential Verani agent will be a great resource in helping you get your key questions answered and give you advice on how to evaluate your findings.

New Hampshire School and Education Information and Resources

In New Hampshire, public school districts are administered by elected school boards and funded primarily through local property tax revenue. Each community maintains an autonomous school district, although districts may share facilities and combine administration. Special programs for the gifted and challenged are abundant in this region, encouraging each student to reach their peak of personal development. The New Hampshire Department of Education web site is a great starting point in your research. They have a helpful guide on how to select a school and they have profiles available of all of the school districts in the state. NEW HAMPSHIRE SCHOOL AND EDUCATION RESOURCES

The New Hampshire Department of Education http://www.education.nh.gov/data/school_sau.htm http://www.nh.gov/residents/education.html http://reporting.measuredprogress.org/nhprofile/

Some School Reporting Resources http://www.greatschools.org/new-hampshire/ http://www.schooldigger.com/go/NH/search.aspx

To Register Child for Public School: Proof of residency in community. Provide purchase and sale agreement fully executed or lease. Bring childs passport to validate date of birth or birth certificate Bring any school records and work samples so that your child will be placed appropriately. Medical records as required by school district.

REAL ESTATE TERMS YOU SHOULD KNOW

ARCHITECTUAL STYLES Bungalow: A typical bungalow is a one-story home with gently pitched broad gables. Cape: A style developed on Cape Cod in the l8th and early l9th centuries typically is a rectangular wooden home with one or one and a half stories with a gable roof and central chimney. Colonial: A catchall phrase used to describe late 19th and 20th century structures which include familiar l8th century motifs. Condex: A version of the condo, usually set in a two or three family home. Condo: A form of ownership with may be garden style or townhouse style. Contemporary: Modern homes with a flat or high-pitched roof, often with open floor plans and built to blend into the environment. Cottage: Originally build as a summer residence, usually without a full basement. Many cottages have been winterized for year-round use. Cul-de-sac: A nice word for a dead-end street. But it has a circular way out. Dollhouse: Don't expect anything large. This small home might have been a maid's quarters originally set behind a main house. Duplex: One-half of a home, on a separate deed. Dutch Colonial: The most notable feature of this late 18th and early 19th century house is the gambrel roof. Ranch: This house design has only one story with a low-pitched roof. Saltbox: A gabled-roof house where the rear slope is considerably longer than the front. Townhouse: In the condo family, these separate standing units may offer your own lawn and garage, while sharing the pool, tennis and other amenities. Victorian: These 19th century homes are characterized by high porches, balconies, tall windows, towers, turret, and ornate designs. FEATURES: Cathedral Ceilings: A high ceiling, higher than that of other rooms, often in a living room and suggesting an open-timbered roof. Central Air: This home is outfitted with air-conditioning throughout, controlled by a thermostat. Clapboards: Long, narrow, wooden boards with one edge thicker than the other which overlap to cover the exterior walls of a house.

REAL ESTATE TERMS YOU SHOULD KNOW

Curb Appeal: An attractive piece of property as seen from the street. Dormer: A window vertically set on a sloping roof; the roofed structure housing such as a window. Gourmet Kitchen: This kitchen may feature a center island for counter space and hanging racks for pots and pans. Also may be called Euro Kitchen. Florida Room: An unheated room or porch with many windows. In the Spring and Fall it is warmed by the sun. Gable Roof: A roof which slopes downward in two parts at an angle from a central ridge, leaving a gable at each end. Gambrel Roof: A ridged roof with two slopes on each side, the lower slope has the steeper pitch. Gentle Knoll: House set on a small hill. Gingerbread: Named after the sugar frosting on German gingerbread houses, it refers to the ornamental designs by a jib saw or scroll saw under the eaves of roofs. Handymans Special: This is a home that has been left to deteriorate. Considerable work is need. Hipped Roof: A roof with four uniformly pitched sides. Mansard Roof: A roof that has two slopes on all four sides. Some with original detail are slate. Needs TLC: Needs new paint, small repairs, but less work than a handymans special. Not a Drive By: What you see on the outside might turn you off, but the inside is being featured. Open Floor Plan: Solid divisions only between bedrooms, partial divisions between other living areas: kitchen and dining room. Wainscoting: A wood lining or paneling, usually oak, sometimes on the lower part of a wall. Water View: This home offers water views from some windows. Waterfront: This property has frontage on the water. ABBREVIATIONS: DR: Dining Room E-I-K: Eat-In Kitchen FMRM: Family Room FP: Fireplace HW Floors: Hardwood Floors

Approximate Buyers Closing Costs For Massachusetts & New Hampshire

Appraisal Credit Report Settlement/Closing Fee/ Title Search Recording Fee Plot Plan ($0 for condominium Purchases) Flood Certification Tax Service Fee Title Insurance State Tax Stamps Mortgage Processing Fee Mortgage Documentation Preparation Entering, Recording, Certifying And Indexing Any Paper

MA $350.00/1 family $475.00/2 family $65.00 $700.00 $365.00 $150.00 $19.00 $85.00 $4.40 per $1000 of loan amount $4.56 per $1000 Paid by Seller $295.00 $150.00 $50.00 Approx. 6 months 1 year paid in advance + 3 months reserve From day of closing to end of month; 1-30 days

NH $350.00/1 family $65.00 $550.00 $200.00 $150.00 for only new construction $15.00 $85.00 $4.40 per $1000 of loan amount $7.50 per $1000 paid by seller and buyer each $295.00 $150.00

Pre-paid Items:
Property Tax Escrow Homeowners Insurance Interest

Approx. 6 months 1 year paid in advance + 3months reserve 1-30 days

The above figures are an approximation only and are to be viewed as a guide. Please contact your mortgage officer for specifics. The accuracy of all information is deemed reliable, but not guaranteed and subject to errors and omissions.

G uide To Buying Your Home

Guide To Buying Your Home

Local Market Knowledge And Presence

In 1951, our father Osvaldo Verani came to the United States from Italy in search of a better life. Beginning as a worker in the mill yard in Manchester NH, he had a vision of someday becoming an entrepreneur and owning his own business. In 1960, he opened his first business, Veranis Italian Restaurant which later became one of the most well known dining establishments in the Greater Manchester area. Taking with him the relationships he had built and the passion for providing quality customer service, he then started Verani Realty in 1967 and laid a solid foundation for growth. It was a time when most transactions were face to face, when his personal touch won him a loyal customer base, and his hard work and vision helped others find or build the house that would become their home. He framed his philosophy on the principles of mutual respect, trust, customer service and quality. We continue to reflect his philosophy today through providing you with a higher standard of quality, customer service and employing dedicated professionals who strive to exceed your expectations. Over the years we have indeed broadened our specialization. In 1988 we joined the Prudential Real Estate Affiliates familyan invaluable global network that has allowed us to become one of the premier real estate companies in New Hampshire today offering exceptional service in: Residential, Commercial & New Homes Real Estate Relocation & Referral Services Integrated Mortgage & Title Services

As we continue to be a leader in the real estate market we will always retain a sense of our history, a respect for what our father set out to accomplish, and the realization that the expertise and integrity of our people are at the heart of our success. Margherita Verani, President Giovanni Verani, Vice President

Guide To Buying Your Home

One Stop-Shopping
For All Your Real Estate Needs
Residential Real Estate: Our dedicated real estate professionals have the local expertise and tools necessary to help you make the best decision possible in an ever changing real estate market: Buying & Selling Assistance Extensive Property Searches Largest Selection of Online Listings Available Local & Regional Knowledge Skillful Negotiators New Listing Email Notifications Commercial Services Division: In the Commercial, Industrial and Development markets, our specialized real estate professionals are able to offer you a vast menu of services including: Acquisition, Sales & Leasing Commercial & Industrial Property Land Development Investments Tenant Representation New Homes Division: Offering you the widest selection of new homes in New Hampshire, our specialized real estate professionals can connect you with the most trusted builders in the community of your choice: Extensive Residential Land Listings In-Depth Web Site Profiles Various Town & Price Options Development Consulting Services Options From Individual Home Sites to New Communities Trained & Certified New Home Associates

Guide To Buying Your Home

Convenient Services = Less Hassle!

Relocation & Referral Services: Certified Relocation Specialists are here to work diligently with you to make your move, as a family or an entire company, as smooth as possible. Our network of nearly 2,000 Prudential Real Estate offices can meet your needs around the globe. Plus, we also handle corporate transfers. We are an active service provider for many top national relocation management companies, which combined handle over 292,000 annual employee moves. Full Time Staff of Relocation Experts Local Area Information Packages Home Marketing Programs Corporate Move Support Approved Provider For Local & National Employers Mortgage Services: Residential Mortgage Services (RMS) is our in-house Mortgage Provider available to help ensure a faster, smoother transaction by providing quick pre-approvals, competitive rates and a variety of home loan options. Different Mortgage Options Available Purchase, Refinance and Debt Consolidation Honest and Helpful Down Payment & Loan Term Information Title Services: To make your experience even more enjoyable, Brokers Title & Closing, LLC. has joined our team to provide you with a smooth transfer of title. Title Examination Closing Coordination Document Preparation Title Insurance

Guide To Buying Your Home

Guide To Buying Your Home

The Home Buying Process

Initial Consultation Understanding Your Needs & Expectations Home Search Plan Defining Home Search Priorities How To Get The Most From www.verani.com Working Together To Find The Right Home Mortgage & Financing Criteria For Choosing The RIGHT Mortgage Provider Offers & Agreements Preparing & Submitting An Offer Pre-Closing & Settlement Completing The Final Process Brokers Title & Closing, LLC. A Smooth Transition To Your New Home

Guide To Buying Your Home

Understanding Your Needs & Expectations

The home buying process begins by selecting a real estate professional to work with from the initial search to moving day. As your real estate professional, you can depend on my knowledge and expertise throughout the many complexities of the home buying process. The following questions will help me understand what is most important to you in the search and purchase of your home. Communication How often do you want to be contacted? What is your preferred method of staying in touch? Motivation Why are you looking to buy a home at this time? What is most important - location, size or features? Time Frame Is there a certain date that you will need to be in your new home? How flexible is that date? Relocation Assistance Would you like assistance in moving to or from a new area? Home Buying Decisions Are there any other people who will be involved in the decision making process? If so, who will be the main point of contact during the process? Whose name will be on the deed & mortgage note? Price, Location, Features, etc. Have you determined a price range for your property search? Home Search Plan Do you have a plan to help find a home? Online searches, looking through newspapers, etc. Previous Home Purchase Experience Have you ever purchased a home before? Was the experience positive? Concerns Are there any challenges or concerns you are worried about? Expectations What do you expect from me as your real estate professional? What specific services and support are you anticipating?

Guide To Buying Your Home

Defining Home Search Priorities

Finding and buying the right home is a highly personalized process, and it all begins by identifying your needs. The following questions will help you identify your ideal home: What does home mean to you? Is it a hub of activity or a peaceful retreat? How many people will be living in your household? What would you consider a comfortable work commute? What are the most important activities for the members of your household? What are the features you liked most about the homes you have lived in previously? What is something you disliked about the home or area where you lived previously? What are the most important must have features of your ideal home and neighborhood? Do you have pets or animals?

Searching for Properties

According to a National Association of REALTORS survey, 90% of all potential home buyers start their search on the Internet. This is why Prudential Verani Realty has invested in the technology and a rapid customer service philosophy to make your online search quick, easy and informative. At www.verani.com you can search through the most updated properties for sale in any area with full details and color photos. Unlike print ads that may be weeks old by the time you read them, home buyers who are registered at www.verani.com will immediately be notified when a property becomes listed within their search profile.

Guide To Buying Your Home

The Benefits & Features of Verani.com

Responsive Cutting Edge Technology! New Englands 1st responsive website! Access From Any Device: Cell phone, tablet, PC, laptop. Seamless Usability: Verani.com will respond to any screen size! Intuitive Easy to Use! User-friendly with a modern, clean design. HD (High Definition) photos.* Enhanced features and improved search functions. The most current and up-to-date information, anywhere. Interactive Features Putting You In Control! Customizable Search Results: View results High/Low, Low/High, by Town, Newest, MLS. Must Have Tab: Add additional criteria to your search like 1st Floor Master Bedroom. View Search Results 3 Ways: Gallery, List & Map View Choose the one thats right for you. Polygon Mapping Tool: Customize your search right down to a specific street or area. Satellite Map View: Get an aerial view of a home and its surroundings.* Street View: Drive right down the street with Google Maps.* Property View: Get a feel for the interior and exterior of a home with Guided & Visual Tours.* Thumbs Up / Down: See a home that doesnt move you? Thumb it Down & well gray it out. Ask An Agent: Interact with an Agent directly on the listing page for more information. Interactive Shopping Cart - Create An Account & Enjoy The Benefits! Power Search: Save Multiple Search Criteria to your account to use any time. Email Alerts & Updates: Be the first to know about properties, price changes & more. Save To Your Shopping Cart: View all your favorite properties in one convenient location. Organize, Prioritize & Compare: Organize from hundreds of homes to just your favorites. Rate Homes & Take Notes: Keep track of what you like best and why on any property. Share Your Cart: Allow your entire family to play an active role in the home buying process. Share via Social Media: Get feedback from others on your home selections. Schedule Showings: Conveniently schedule a private showing online. Create Driving Routes: Set up a driving route to view multiple properties all in one day. Community Advisors Empower Your Search! Ask our Community Advisors specific questions about any town or community. Local community information. Hyper-localized town information. Review previously asked customer questions & answers. *When available.

Guide To Buying Your Home

Working Together to Find the Right Home

Prudential Verani Realty - Your Single Source I have access to the majority of properties for sale in this market, not just those listed by Prudential Verani Realty. Based on your choice of agency relationship, I can research multiple sources to show you homes that best match your requirements. Properties available to our buyer clients may include those: Marketed by Prudential Real Estate Network members Listed by other brokers through the Multiple Listing Service (MLS) Not on the open market yet Offered For Sale By Owner Advertised in newspapers and on the Internet HUD Properties Your Role As A Buyer No one has a more important role in the home buying process than you. Here are some things you can do to help ensure a successful transaction: Be flexible in your availability to schedule home showings. Provide a phone and fax number if you are leaving town for delivery of important negotiations or forms. Be cautious about saying anything to a seller or their sales professional that could divulge your situation, motivation or weaken your negotiating position, especially regarding price or urgency to buy. Do not make any large purchases (e.g. cars, furniture, appliances.) The extra payment could affect your pre-approval for a home loan. Maintain your credit score by keeping your bill payments on schedule. Discovering the Right Home Discovering the right home should be an exciting event. As a Prudential Verani real estate professional, my commitment is to make your home search as stress-free as possible by: Reviewing price range, payment and financial priorities with you. Selecting properties that most closely meet your unique needs and interests. Suggesting other homes if the search results become too limited. Scheduling time to look at homes and neighborhoods. Interacting with the seller or their real estate professional - it would be best to limit your conversation with them. Asking for your feedback about each property you see, the positives and the negatives. Continuing to assess and discuss your needs and buying criteria.

Guide To Buying Your Home

Preparing & Submitting An Offer In New Hampshire

Once you have found the right property, the next step is to make the offer to the seller. Determine the price you want to offer: The price the seller is asking may or may not reflect realistic market value. A written property disclosure statement from the seller will give a clear understanding of their knowledge of the property and the surrounding area. Be sure to also review estimated costs to complete the purchase. (Examples: inspections, repairs, lender fees, prepaids, taxes, moving expenses, agency fees, etc.) Decide on financing: Review together the status of your loan pre-approval and work with your loan officer to review financing options so that you may finalize your mortgage plan. Consider issues that are important to you: Review a copy of the property deed and any condominium or association documents. Investigate any concerns you may have about neighborhood; environmental concerns; registered sex offenders; school districts; heating/cooling costs; tax rates and any other factors which would influence your decision. Go to the town hall to learn about property owner requirements and check public records for additional information. When your written offer is presented to the seller: The seller will have three options: 1.) Accept your offer. 2.) Reject it. 3.) Adjust your offer (counteroffer). With a counteroffer, you can choose to accept it, reject it or make a counteroffer. The possibility of competing offers: Your offer may be one of multiple offers or the only offer a seller may be considering. There is no requirement that the buyer be informed by the seller or listing agent of the existence of other offers before another offer is accepted. The seller has the option to negotiate with only one buyer at a time and not reveal this and negotiations may continue until the seller accepts an offer. At the sellers discretion, the terms of the buyers offer may be communicated to other buyers to obtain better terms or price. The seller may accept an offer on terms other than the price. All buyers may be notified to present their highest and best offer. Final Purchase Agreements: Once you have reached a written agreement with the seller, you will have entered into a firm contract to purchase the home. A finalized copy of the agreement, with all of the changes in writing, will be signed and promptly distributed to all parties. New Hampshire uses a Purchase and Sales Agreement for all offers as well as the final contract.

Guide To Buying Your Home

Completing The Final Process

Here are some helpful things to remember and consider to support a trouble-free home purchase: Professional inspections can reveal structural, roof, termite and other conditions with a property that may require attention. Earnest money deposits need to be given to your agent on or before the deadlines specified in the Purchase Agreement. Escrow checks are deposited and will clear through your bank. If escrow funds are paid within 5-10 business days of the scheduled closing, then the funds must be in the form of a certified check or money order. Lock interest rate and loan terms with your chosen mortgage lender. Satisfy remaining contract conditions on or before the deadlines specified in the Purchase Agreement. Contingencies should be released in writing and signed by both parties. A home warranty plan can give you peace of mind by providing repair-orreplace coverage of major home operating systems and appliances. Communicate frequently with your mortgage lender to ensure appraisals, credit, income and asset verifications, title search and other loan conditions are completed in a timely manner. Verify you can obtain Hazard Insurance on the property and arrange for a prepaid homeowners insurance binder. If possible, leave flexibility in moving dates in case of unforeseen delays with financing, title or other potential issues. A financing commitment or approval means that the borrower meets the lender's qualification requirements and also its underwriting requirements. In some cases, the approval may be conditional on further verification of information provided by the borrower. Review these conditions carefully with your mortgage lender before you remove your financing contingency from the contract. A preliminary title report informs you of any issues with the propertys title, and a policy of title insurance protects your rights to the property.

A walk-through before closing allows you to make sure the property is being delivered in an agreed upon condition. Verify with your mortgage lender what funds you need for closing, what form of payment is acceptable and what funds you need to have in reserves (savings) at closing. Final time and place for the settlement will be confirmed by the lender and a designated title company once final contingencies, financing and title policies are in place. Keys are customarily delivered once the settlement papers are signed, the new deed is recorded and the closing has been fully funded.

Guide To Buying Your Home

A Smooth Transition To Your New Home

As you make the move to your new home, the following is a helpful checklist. Contract with a reputable moving company. Arrange to have school records transferred. Arrange to transfer (or take with you) medical, dental and other important records. Prepare to transfer your homeowners and auto insurance to be sure you will be covered for any unforeseen disasters. Hold a garage sale to get rid of unneeded items; arrange to place excess items in storage. Keep track of moving-related expenses. (Check with your accountant to find out what expenses will be deductible). Mail change-of-address cards to the post office, subscriptions, credit card companies and important contacts. Online service is available at www.usps.gov. Arrange for a final utility reading at your former residence the day after your move AND have the utilities and phone turned on at your new home the day before you move in. Close or transfer bank accounts, if needed. Terminate newspaper delivery service. Arrange the transfer of vehicle licenses and driver licenses. Have an extra supply of prescription medications for the next four weeks. We will schedule a final walk-through of the property to make sure everything is in order. Keep financial records and personal papers with you, do not pack them with the rest of your items. On closing day, once the home purchase documents are completed and the seller is in receipt of funding - the keys will be yours! MOVE IN & ENJOY YOUR NEW HOME!

Check List For Moving

Like any major event, moving from one home to another requires advance planning and good organization. The following is a list of those small tasks that changing your place of residence will entail. To avoid that nagging feeling that there is some important item or task you have forgotten, check this list for those items, which apply to you. START EARLY Start packing anything you won't need in the next few weeks. Read and fully understand mover's insurance plan, etc. Try to use up any perishable foods. Arrange to have large amounts of frozen foods moved by local frozen food locker. Check and clear tax assessments. Return any borrowed items and pick up any items in storage, i.e. layaway, dry cleaning. Obtain changes of address cards from postman or post office. Record addresses of doctors and dentists so that your records may be sent to your new doctors and dentists. Obtain state tax forms or address of state office, which can send them to you. Make special arrangements for pets: shots and health records. Talk to your banker and ask for any records you may need - credit references, etc. Small pets should be put in portable kennels if you are driving to your new destination. Pets can also be shipped by air to their new home. Contact airline or freight carrier for details or your New England Relocation Group coordinator. Update your address book and give your new address to friends and relatives. Have the children make an address book also so they can communicate with friends. If you are taking any items which are permanently attached to your home, i.e. light fixtures, mirrors, fireplace doors or equipment, etc., it is a good idea to replace these items before your home is shown to prospective buyers. TO DO Make travel reservations and reconfirm on the week prior to moving. Plants cannot be shipped with your moving van; therefore, make arrangements to move them yourself or give them to a friend. If necessary, make certain the house is winterized or make arrangements to do so. Arrange to have a service man disconnect appliances you are taking with you. Obtain valuables from safety deposit boxes. Make sure your car is serviced for the trip. Make a list of items to put in your "open first" box to take with you in the car (cleaning supplies, tools, eating utensils, coffeepot, etc.) Arrange for a babysitter on moving day. Drain gasoline from lawnmower, snowmobiles, motorcycle, etc.

Check List For Moving

TO DO CONTINUED Make sure refrigerator and freezer are empty and dry at least 24 hours prior to moving. Unplug television 24 hours before move so that they are at room temperature. Pack your "open first" box (cleaning supplies, tools, eating utensils, coffee pot). Finish packing all boxes; do not leave anything for moving day. Make sure all boxes are marked correctly. Have laundry done before machines are disconnected. Check closets, cabinets and storage lockers for any articles overlooked.

NOTIFY Cancel homeowners insurance. Call your life insurance agent and change your address. Call auto insurance agent and transfer auto insurance. Make certain your coverage continues until you reach your new destination. Inquire about licensing laws at new location. If car or another possession has a lien against it, inform the lien holder of your move. Inform state motor vehicle bureau of new address. Have your bank transfer your funds and arrange for check cashing in new city. Notify post office, credit companies and publications of change in address. Contact doctors and dentists for medical records, copies of renewable prescriptions, and ask them to recommend medical and dental facilities in the location. Make arrangements to have your phone connected for the day of arrival at new location. Inform movers of packing moving dates. Also, give address of new location and set date for delivery. If your house is not yet sold and closed, leave the keys with the real estate agent and ask him/her to keep an eye on the house. Also ask a neighbor to report any strange movements around the vacated house to the police. Is there anyone with whom you should leave your itinerary in case of emergency? DISCONTINUE SERVICES Gas / Fuel Oil Company: Have meters read, give new address. Water & Sewer: Have meters read, give new address. Electric Company: Have meters read, give new address. Telephone company Cable Television Delivery services Lawn service Garbage service Newspapers Water softener rental (arrange for pick-up)