The Young Team

12/01/2025

2026 Housing Market

Steady job growth and lower rates could fuel a sales surge ahead. See highlights from Lawrence Yun’s 2026 housing forecast. https://bit.ly/47Nez3b

04/15/2025

Some buyers think they can wait until they’ve found a home they love before talking to a lender. But in a season where homes can sell fast, that’s a risky move. Getting pre-approved before you start your search is a much better bet.
Here’s what you need to know about this early step in the buying process.

What Is Pre-Approval?
Pre-approval gives you a sense of how much a lender is willing to let you borrow for your home loan. To determine that number, a lender starts by looking at your financial history. Here are some of the things that can have an impact, according to Yahoo Finance:

Your debt-to-income (DTI) ratio: This is how much money you owe divided by how much money you make. Usually, you can borrow more if you have a lower DTI.
Your income and employment status: They’re looking to verify you have a steady income coming in – that way they feel confident in your ability to repay the loan.
Your credit score: If your score is higher, you may qualify to borrow more.
Your payment history: Do you consistently pay your bills on time? Lenders want to know you’re not a risky borrower.
After their review, you’ll get a pre-approval letter showing what you can borrow. Having this peace of mind is a big deal – it helps you feel a lot more confident in your ability to get a home loan. And the fringe benefit is it can also speed up the road to closing day because the lender will already have a lot of your information.

It Helps You Figure Out Your Budget
Spring is a competitive season, and emotions can run high if you find yourself up against other buyers. Having a firm budget in mind is so important. You don’t want to get too attached and end up maxing out what you can borrow. As Freddie Mac explains:

“​Keep in mind that the loan amount in the pre-approval letter is the lender’s maximum offer. Ultimately, you should only borrow an amount you are comfortable repaying.”

So, use this time to really buckle down on your numbers. And be sure to factor in other homeownership costs – like property taxes, insurance, and maybe even homeowner’s association fees – so you know what you can comfortably afford

04/10/2025

If you need a solution for your spices, consider making some DIY kitchen decor. A wooden pallet can be repurposed into an efficient spice rack and add rustic charm to your kitchen. Here is a simple guide for how to make your own pallet spice rack: What you'll need Hammer or nail gun 1 1/2-inch nails...

04/08/2025

Londonderry, NHMarket Update $583,900Median List Price$500,000Median Sale Price19Homes For Sale29Homes Sold19Days on MarketCurious about home values in this area? Check the ValuesPlease feel free to get in touch with any real estate questions. We welcome your business, and we promise to take excepti...

04/04/2025

Concord, NHMarket Update $455,000Median List Price$325,000Median Sale Price31Homes For Sale29Homes Sold13Days on MarketCurious about home values in this area? Check the ValuesPlease feel free to get in touch with any real estate questions. We welcome your business, and we promise to take exceptional...

04/03/2025

Searching for a new home as a buyer can be time consuming and take much effort. Attending a home showing can give you much insight into whether the property fits what you’re on the market for, however it’s ideal to use your time wisely. Home showings can take an hour or more, so it’s best to p...

03/31/2025

Candia, NHMarket Update $499,900Median List Price$590,000Median Sale Price1Homes For Sale4Homes Sold40Days on MarketCurious about home values in this area? Check the ValuesPlease feel free to get in touch with any real estate questions. We welcome your business, and we promise to take exceptional ca...

03/27/2025

New Boston, NHMarket Update $799,900Median List Price$829,000Median Sale Price7Homes For Sale3Homes Sold66Days on MarketCurious about home values in this area? Check the ValuesPlease feel free to get in touch with any real estate questions. We welcome your business, and we promise to take exceptiona...

03/27/2025

Palm trees can be found on almost every continent in the world. While some hardier versions can survive colder weather, most thrive in tropical or subtropical climates. If you want to grow palm trees indoors as houseplants, you'll need to replicate a tropical environment as much as possible for them...

03/22/2025

Amherst, NHMarket Update $650,000Median List Price$562,500Median Sale Price15Homes For Sale11Homes Sold16Days on MarketCurious about home values in this area? Check the ValuesPlease feel free to get in touch with any real estate questions. We welcome your business, and we promise to take exceptional...

03/20/2025

Dining room decor can make a significant difference in your experience of the space. Whether you have an open floor plan dining room extending into the general living space or a formal, secluded room, choosing how to decorate is important. As with any room in the home, it's difficult to work with an...

03/18/2025

Derry, NHMarket Update $549,900Median List Price$395,500Median Sale Price17Homes For Sale12Homes Sold8Days on MarketCurious about home values in this area? Check the ValuesPlease feel free to get in touch with any real estate questions. We welcome your business, and we promise to take exceptional ca...