HKS Associates, Inc.-REALTORS| Keene NH & Jaffrey NH Real Estate. Located in the Monadnock Region.



36 Foliage Way, Rindge, NH 03461

Single-Family

$205,000
Price

3
Bedrooms
7
Rooms
2
Baths
This attractive Ranch has both style and function with an easy flowing floorplan. A comfortable sunlight filled family room with high ceilings and a gas fireplace with a tile surround, a master bedroom with a private bath and 1st floor laundry are some of the features that could make this home Just Right for you. The large basement has plenty of storage space, backup generator hookup, propane space heater and workshop area. There is a deck overlooking a big backyard great for entertaining or quiet reflection. Located on a quiet cul-de-sac in the well-established pleasant Cathedral Estates neighborhood. Deeded, shared yet private beach and boat access to Emerson Pond. Rindge borders the state of Massachusetts and is easily accessible to major routes and shopping. Ready for immediate occupancy.
Open House
No scheduled Open Houses




There are so many factors that go into buying a home. How much money do you have saved up? What is your debt amount? Hw much money do you make each month? Can you afford the neighborhood that you’d like to live in? All of these questions are swirling around the minds of all first-time homebuyers. Did you know that how long you have been at a job is just as important as your income as a factor in getting approved for a mortgage? 


Your ability to repay is why the lender is looking at so many different numbers and factors about your financial situation. Employment overall plays a large stake in the mortgage application. Lenders will look at your past employment history along with the job that your currently have. They are also concerned with your future employment status. Your lender will get an idea of your overall plan for your career and employment through looking at your history. 


As a first-time homebuyer, you most likely don’t have the employment history of more seasoned homebuyers. Generally, most people who are buying a home for the first time are pretty young in their careers. As a rule of thumb, lenders will look at your employment history over the past two years. The lender wants to see your industry focus. Maybe you have stuck with one career direction, or maybe you have hopped around a bunch. As a hint, jumping around from job to job and field to field doesn’t look very good to mortgage lenders. Job floaters tend to appear as if they have no plans for the future. 


Good Career Moves


Staying a software engineer, but moving from the medical industry to the financial industry is an acceptable and smart move in the eyes of lenders. Yet, leaving your stable job in accounting to pursue a career in acting would not be looked upon favorably in the eyes of a mortgage lender.


It doesn’t matter how much money you have saved up, often, without employment history, a lender may not consider you as a dependable buyer. Your lender wants to see that your income is stable for a period of at least three year’s time.


Income Matters 


You won’t have the same work history as a first time homebuyer as you would if you were a bit more seasoned. When lenders look at your income history, not having a lot of work history can be a detriment to many factors. If your income is an annual salary, for example, your lender will divide that salary by 12 in order to get a monthly income. If you haven’t been at the job for a full year or took a pay cut during times of training, those numbers will be affected.


For hourly employees, overtime may be a problem as it may not be factored in with the equation if there isn’t a history of at least two years on the job. 


While it isn’t impossible to buy a home with a short employment history, it’s advisable to wait until you have some significant time under your belt before you dive into the home buying process.



194 Center Pond Road, Nelson, NH 03457

Single-Family

$395,000
Price

4
Bedrooms
8
Rooms
3/1
Full/Half Baths
This lovely home is privately situated on the 53+ acres of land yet well within commuting distance to Keene, Hillsborough and Peterborough. A nature lovers utopia with gentle topography perfect for walking and exploring. Even though this home was built in 2004 it puts you mind of the Victorian shingle style of many 19th century summer homes that dot the Monadnock Region. Attention to details played an important part in the design of the home making it both comfortable and stylish. The sidelights and transom on the front door fill the spacious entry with natural light. The stunning dream kitchen offers an island, double wall ovens and is opens to the beamed ceiling dining area and family room. It is truly the heart of the home. There is a formal living room. A separate outside entrance through an oversized door leads into the huge mud/laundry room offering convenience when coming in from exploring the land. Upstairs are four bedrooms and three baths. The owners bedroom includes a private bath with jetted tub, a separate shower, double sinks and walk-in closet. There are gleaming wood floors in many of the rooms. Every room has plenty of windows allowing natural light to fill the home. The dream of country living can be yours dont delay!
Open House
No scheduled Open Houses





20 Wolfs Way, Jaffrey, NH 03452

Single-Family

$264,900
Price

4
Bedrooms
7
Rooms
2/1
Full/Half Baths
A wonderful home in a desirable Jaffrey Neighborhood. Perfectly sited overlooking a well maintained cul-de-sac. Offers a front to back living room warmed by a beautiful stone fireplace. A formal dining room leads into a spacious modern kitchen with access to a backyard deck for entertaining or quiet reflection. There are 4 bedrooms, one a master suite with a private bath. The roof has been replaced, the interior is freshly painted and new flooring has been installed throughout. You will be grateful for the direct entry, 2 car garage, especially during the cold winter months. Plenty of room to move around inside and out in this tastefully designed Colonial. Ready for immediate occupancy.
Open House
No scheduled Open Houses





104 Pearl Street, Keene, NH 03431

Single-Family

$155,000
Price

3
Bedrooms
8
Rooms
2
Baths
Large lot that has the potential to accommodate an Accessory dwelling unit subject to conditions and limitations as specified (see permitted uses.)Excellent location close to everything. See MLS # 4660287 for 2-family listing.
Open House
No scheduled Open Houses






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