Worth knowing, explained plainly.
Short notes on buying, selling and investing in the Merrimack Valley and Southern New Hampshire — in English and Spanish.
Leer en español — two notes are also published in Spanish.

How to read the Market Pulse — and what it means for you
Typical value, forecast, sale-to-list, days on market, months of supply and rates: what each number is telling a buyer, a seller and an investor.

First-time buyer programs in Massachusetts and New Hampshire, explained
MassHousing, the ONE Mortgage, New Hampshire Housing, FHA and 3–5% conventional: the four doors, what assistance really means, and the order to do things in.
También en español
Your first multi-family in the Merrimack Valley: the five numbers that decide it
House hacking a two- or three-family in Lawrence, Lowell or Haverhill still works — with real rents, the lender's tests, DSCR and three local cautions.

Selling and buying at the same time: four ways to move once
Sell first with a cushion, buy first, go contingent, or bridge — how each works in this market and how we pick the one that fits your equity and income.

What selling your home actually costs in Massachusetts and New Hampshire
Price is what the market says; net is what you keep. The short list of costs between the two, with real numbers.
También en españolHave a question that isn't here?
Ask me directly. I reply personally, usually the same day — in English or Spanish.
