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<strong>Peabody</strong> & <strong>Smith</strong> <strong>Realty</strong><br />
<strong>Winter</strong> 2021<br />
Re-Discover The<br />
WHITE MOUNTAINS<br />
SNOWSHOEING & HIKING<br />
IN A WINTER WONDERLAND<br />
Spotlight:<br />
Making Smart Real Estate Investments<br />
+ Over 15 Featured Listings!<br />
Complimentary Edition<br />
<strong>Peabody</strong><strong>Smith</strong>Magazine<strong>Winter</strong>.indd 1<br />
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<strong>Peabody</strong><strong>Smith</strong>Magazine<strong>Winter</strong>.indd 2<br />
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Presenting MAGAZINE, Volume 1 - <strong>Winter</strong> 2021<br />
In the winter, some sellers are afraid to consider putting their home on the market. In addition, while we see light at the end of tunnel in terms of<br />
vaccination plans, sellers may still be concerned. We’ve been carefully listing and selling homes during this time. We expect the real estate market to<br />
continue to be strong.<br />
Last year was a record year for real estate sales in New Hampshire and by all indications,we expect to see more of the same in 2021. Currently, buyers<br />
outnumber sellers, housing inventory is low and some of our larger cities are witnessing an out migration to quieter areas like the ones we love here in<br />
Central, Northern and the Lakes Region of New Hampshire and Northeast Kingdom of Vermont. If you are considering selling, don’t hesitate if your<br />
situation warrants it – the market is strong.<br />
The pandemic has given buyers time to reflect on what is important to them – whether it is outdoor areas to enjoy, recreation in the backyard, space to<br />
grow food. Some are making the move to larger homes with in home offices where they can work from anywhere if they can access technology to meet<br />
their needs.<br />
For our sellers in our second home destinations like Bretton Woods and the surrounding areas in Northern and Central New Hampshire, inventory is<br />
low and buyers are just waiting to pursue to dream of homeownership at our premier destination locations.<br />
Below are the New Hampshire statewide single-family residential numbers from the New Hampshire Association of Realtors. As you can see, closed<br />
residential sales were up significantly – and they would have been higher if inventory levels were up. As far as median residential sales price, that is also<br />
up by 11.7+ year over year. We expect the median sales price in 2021 to level off a bit into more natural appreciation of 3-5%.<br />
Market Trends in<br />
New Hampshire<br />
January-December<br />
<strong>2020</strong><br />
January-December<br />
2019<br />
% of Change<br />
Closed Single Family<br />
Residential Sales<br />
18,449 17,636 +4.6%<br />
Median Sales Price $335,000 $300,000 +11.7%<br />
Days on Market 47 56 -16%<br />
Median Single-Family Residential Sales Price by county:<br />
Belknap County, Median Sales Price in <strong>2020</strong>: $310,000<br />
Carroll County, Median Sales Price in <strong>2020</strong>: $300,000<br />
Coos County, Median Sales Price in <strong>2020</strong>: $135,000<br />
Grafton County, Median Sales Price in <strong>2020</strong>: $259,450<br />
As buyers enter this marketplace, this is a great time to buy with continued low interest rates. For buyers ready to add a second home or change their<br />
current living arrangements, price appreciation has really increased giving them some more flexibility and equity in their current home as well. The<br />
ability to purchase remains strong for many.<br />
As we always say, “all real estate is local”. If you would like to learn more about your market, please call one of our Certified Sales Specialists, and we<br />
would be glad to have a confidential discussion with you.<br />
Our Sales Associates closed 713.5 transaction sides in <strong>2020</strong> in New Hampshire and Vermont. When considering an agent to<br />
sell your property, it is important to see how much a firm has closed – you want one with the experience and negotiation skills<br />
to help you reach your goals – and we deliver. Our team of dedicated full-time real estate sales professionals are here to assist<br />
you - whether you are considering selling a property or contemplating a purchase. We are proud to be part an active part of the<br />
community and look forward to assisting you.<br />
Sincerely,<br />
Andy <strong>Smith</strong><br />
Broker/Owner, <strong>Peabody</strong> & <strong>Smith</strong> <strong>Realty</strong><br />
New Hampshire Offices in: Franconia • Littleton • Bretton Woods • Plymouth • Holderness<br />
www.peabodysmith.com<br />
www.<strong>Realty</strong>Magazine.us<br />
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Table of CONTENTS<br />
6 Meet<br />
The Team 8<br />
Snowshoeing &<br />
<strong>Winter</strong> Hiking<br />
12<br />
Smart Real Estate<br />
Investments<br />
13<br />
Buying a Home When<br />
Favorable To Sellers<br />
14<br />
Rediscover the<br />
White Mountains<br />
18 Listings<br />
If you are interested in contributing editorial, or advertising in <strong>Realty</strong> Magazine<br />
please email us at info@realty<strong>magazine</strong>.us.<br />
DISCLAIMER: The information in this <strong>magazine</strong> is for information purposes only. <strong>Realty</strong> Magazine assumes no liability or responsibility for any inaccurate, delayed or<br />
incomplete information, nor for any actions taken in reliance thereon. The information contained about each individual, event or organization has been provided by such<br />
individual, event organizers or organization without verification by us.<br />
The opinion expressed in each article is the opinion of its author and does not necessarily reflect the opinion of <strong>Realty</strong> Magazine. Therefore, <strong>Realty</strong> Magazine carries no<br />
responsibility for the opinion expressed thereon.<br />
The paid advertisements contained within <strong>Realty</strong> Magazine are not endorsed or recommended by <strong>Realty</strong> Magazine or the publisher. Therefore, neither <strong>Realty</strong> Magazine,<br />
the publisher or the realty office may be held responsible for business practices of these companies.<br />
2 <strong>Realty</strong> Magazine<br />
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PUBLISHER<br />
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ART DIRECTOR<br />
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Meeting the healthcare needs of<br />
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<strong>Realty</strong> Magazine is published four times a year by Network Communications US Inc.<br />
All rights reserved. Contents may not be reproduced in any manner without prior<br />
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Reg, No. 5974285 and the exclusive property of Network Communications US Inc.<br />
<strong>Peabody</strong> & <strong>Smith</strong> <strong>Realty</strong>, Inc.<br />
11 Riverglen Lane, Suite 200, Littleton, NH 03561<br />
(603) 444-1294<br />
Editorial Director-Chrissy <strong>Smith</strong><br />
chrissy@peabodysmith.com<br />
Contributing Writer: Megan McCarthy McPhaul<br />
Editorial comments, contributions and suggestions should be<br />
directed to the Editorial Director.<br />
www.<strong>Realty</strong>Magazine.us<br />
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Advertising Partners<br />
<strong>Realty</strong> Magazine would like to present an easy access list of the advertising partners that make this publication<br />
possible. Please consider their services when working with Oeabody & <strong>Smith</strong> <strong>Realty</strong>. These trusted<br />
neighborhood vendors are here to assist you throughout your entire real estate transaction and beyond.<br />
We would like to thank you for supporting <strong>Realty</strong> Magazine - <strong>Peabody</strong> & <strong>Smith</strong> <strong>Realty</strong> Edition.<br />
A+ Automation<br />
info@aplusautomation.com<br />
(603) 444-0957<br />
Bank of New Hampshire<br />
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(603) 279-6192<br />
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1 (800) 308-7507<br />
Drummond’s Mountain Shop<br />
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E.H. Danson Associates, PLLC<br />
contact@ehdanson.com<br />
(802) 748-5239<br />
Fregeau Builders<br />
fregeaubuilders@gmail.com<br />
603-991-3097<br />
Hammer Down Construction, LLC<br />
hammerdown@ne.twcbc.com<br />
(603) 444-7694<br />
Hunkins & Eaton Insurance<br />
greg@hunkins-eaton.com<br />
(603) 444-3975<br />
Leigh B. Starer LLC<br />
starer@aol.com<br />
(603) 770-1630<br />
Littleton Regional Healthcare<br />
(603) 444-9000<br />
Martin Construction<br />
ntmartinconstruction@outlook.com<br />
(603) 616-7033<br />
Merrimack County Savings Bank<br />
(800) 541-0006<br />
Normandeau Moving<br />
service@normandeauinc.com<br />
(603) 636-1671<br />
Red Door Title<br />
orders@reddoortitle.com<br />
(603) 427-9399<br />
RJ Crowley Moving & Storage<br />
(603) 536-1363<br />
Samyn-D’Elia Architects, P.A.<br />
(603) 968-7133<br />
State Farm<br />
lynne.warren.ws98@statefarm.com<br />
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contact@thefloorworks.com<br />
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Waitkus Construction<br />
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White’s Septic Service<br />
(603) 631-0660<br />
4 <strong>Realty</strong> Magazine<br />
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“Celebrating 40 years of building Finely Crafted Homes”<br />
• L O G HOMES<br />
• CUS T OM HOM E S<br />
• ADD ITIONS<br />
• REM ODELIN G<br />
• CABINETR Y<br />
• W OOD W ORK ING<br />
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603-823-5484 • waitkusconstruction@msn.com<br />
For more information: www.WaitkusConstruction.com<br />
Samyn-D’Elia Architects, P.A. Holderness, NH ❘ (603) 968-7133<br />
sdarchitects.com<br />
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<strong>Peabody</strong><strong>Smith</strong>Magazine<strong>Winter</strong>.indd 7<br />
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Meet the<br />
<strong>Peabody</strong> & <strong>Smith</strong><br />
<strong>Realty</strong>, Inc. TEAM<br />
Aaron Woods<br />
Broker Associate<br />
Andrew <strong>Smith</strong><br />
Broker / Owner<br />
Angela Spencer<br />
Sales Associate<br />
Anne Foss<br />
Broker Associate<br />
Charles Crannell<br />
Sales Associate<br />
Dana Armstrong<br />
Broker Associate<br />
Debbie James<br />
Sales Associate<br />
Deb Engelhardt<br />
Sales Associate<br />
Doug Caulfield<br />
Sales Associate<br />
Elizabeth Horan<br />
Broker Associate, NH & VT<br />
Fran Matott<br />
Sales Associate<br />
Jackie Elliott<br />
Sales Associate<br />
Jason Cape<br />
Sales Associate<br />
Jerrod Mitchell<br />
Broker Associate<br />
Jerry Love<br />
Sales Associate<br />
Joy Moore<br />
Broker Associate<br />
NH & VT<br />
Karen Walsh<br />
Broker Associate<br />
Keegan Rice<br />
Sales Associate<br />
Linda Matheson<br />
Commercial Broker<br />
Associate<br />
Mary Doherty<br />
Commercial Broker<br />
Associate, NH & VT<br />
Mary Dragon<br />
Broker Associate<br />
EXCAVATION • CONCRETE WORK • RETAINING WALLS<br />
STONE WALLS • DECKS • SUNROOMS • ADDITIONS<br />
DOCKS • GARAGES • KITCHENS AND BATHS<br />
CUSTOM HOMES • RENOVATIONS<br />
603-444-7694<br />
hammerdown@ne.twcbc.com<br />
6 <strong>Realty</strong> Magazine<br />
<strong>Peabody</strong><strong>Smith</strong>Magazine<strong>Winter</strong>.indd 8<br />
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Mary Truell<br />
Broker Associate<br />
Matthew Penner<br />
Broker Associate<br />
Michele Penner<br />
Managing Broker<br />
Missy Sullivan<br />
Broker Associate<br />
Nikki Barrett<br />
Managing Broker<br />
NH & VT<br />
Patty O’Brien<br />
Sales Associate<br />
Paty Ciotto<br />
Sales Associate<br />
Raymond Newton<br />
Broker Associate<br />
Stephen Gorman<br />
Sales & Rental<br />
Associate<br />
Terry Penner<br />
Sales Associate<br />
Tiffany Howard<br />
Broker & Rental<br />
Associate, NH & VT<br />
April Reinhard<br />
Executive Assistant<br />
Chrissy <strong>Smith</strong><br />
VP / Sales &<br />
Marketing<br />
Deb Ugo<br />
Licensed Executive<br />
Assistant<br />
Elspeth Richardson<br />
Executive Assistant<br />
Jude Ruhm<br />
Licensed Executive<br />
Assistant<br />
Kaitlin Sampson<br />
Executive Assistant<br />
Katy Soukup<br />
Licensed Executive<br />
Assistant<br />
Mary Menzies<br />
Business Manager<br />
Sue Sampson<br />
Managing Broker -<br />
Plymouth<br />
www.buildingprofessionalsinc.com<br />
603-869-0100<br />
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Snowshoeing and <strong>Winter</strong> Hiking<br />
Offer Access to <strong>Winter</strong> Wonderlands<br />
By Meghan McCarthy McPhaul<br />
Flume Sentinel Bridge<br />
Photo: Meghan McCarthy-McPhaul<br />
The Sentinel Bridge at the Flume keeps<br />
watch over icy cascades in the winter.<br />
Bretton Woods<br />
Photo: Omni Mt Washington<br />
A snowshoe-er enjoys the trails at Bretton<br />
Woods, with the white summit of Mount<br />
Washington in the background.<br />
Hiking may not be the first thing that comes<br />
to mind when considering outdoor wintertime<br />
activities. Near the top of that list, most would<br />
likely place skiing, ice skating, and sledding. But<br />
those who spend time on the (hiking) trail in the<br />
colder months know there are many benefits to<br />
hiking in the snowy season. There are no bugs,<br />
for one. Snowpack smooths the trail out, which<br />
means less scrambling over rocks and around<br />
roots. And the scenery is downright winter<br />
wonderland-y, with dripping icicles, snowdusted<br />
trees, and brilliantly white mountains.<br />
Additionally, the trails are typically less<br />
crowded during winter, and the silence is<br />
can seem surreal.<br />
“There are fewer people out on popular<br />
trails, so you can get closer to wilderness<br />
experiences,” said Rusty Talbot, owner of<br />
North Country Climbing Center in Lisbon,<br />
and a member of the Pemigewasset Valley<br />
Search & Rescue Team. “When it isn’t windy,<br />
it’s silent. As much as I love to hear summer<br />
sounds of crickets and other wild things, real<br />
silence is truly a wonderful experience.”<br />
Hitting the trail in winter does require a bit extra<br />
preparation, especially if you’ve never ventured<br />
far on a snowy path. Whether your aim is a<br />
mountain trek or a gentler outing on snowshoe,<br />
here’s a primer.<br />
Getting Started<br />
New Hampshire boasts a plethora of trails for all<br />
types of adventure-seekers – from mellow jaunts<br />
through the snowy woods to rugged mountain<br />
traverses. If you’ve never snowshoed before, it’s<br />
probably a good idea to get used to walking on<br />
level ground with snowshoes strapped to your<br />
feet before trying to ascend a tall mountain.<br />
“Definitely start on flat terrain,” says Clare<br />
Arentzen, a guide for the Appalachian<br />
Mountain Club (AMC). “It can take a while to<br />
get used to the slightly wider stride necessary<br />
with snowshoes. You might stumble and step on<br />
your feet during your first try snowshoeing, and<br />
that’s OK!”<br />
To help find your balance, Arentzen suggests<br />
using hiking poles fitted with snow baskets,<br />
which prevent the poles from sinking into deep<br />
snow with every step. For those trekkers with<br />
well-worn knees, poles can help alleviate the<br />
wight of each step on those creaking joints.<br />
Arentzen also suggests winter hikers<br />
venture forth wearing hiking-specific,<br />
insulated, waterproof boots. Your standard<br />
bulky winter boots are not a good option, nor<br />
are your summer sneakers. When renting or<br />
buying snowshoes, be sure to pay attention to<br />
the features. Some snowshoes are designed<br />
for running on packed out snow, others for<br />
flat terrain, and still others are made for more<br />
rugged treks.<br />
“Not all snowshoes are created equal,” said<br />
Arentzen. “It comes down to the shapes and<br />
angles of the ‘teeth’ under the snowshoe deck,<br />
and how aggressive the under-toe crampon is.”<br />
Many summer hikes translate well into<br />
winter treks, too. For those just starting out with<br />
snowshoeing and winter hiking, the<br />
Arethusa Falls and Mount Willard trails in<br />
Crawford Notch both provide a lot of scenic<br />
8 <strong>Realty</strong> Magazine<br />
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Lonesome Lake<br />
Photo: Meghan McCarthy-McPhaul<br />
Across a frozen Lonesome Lake, trekkers<br />
will view the mountains of the Franconia<br />
Range.<br />
Lonesome Lake Trail<br />
Photo: Meghan McCarthy-McPhaul<br />
The hike to Lonesome Lake in Franconia<br />
Notch is about 3 miles roundtrip and offers<br />
spectacular views.<br />
Bretton Woods<br />
Photo: Omni Mt Washington<br />
The hotel of the Omni Mount Washington<br />
Resort serves as a majestic backdrop for<br />
snowshoe-ers.<br />
bang for your hiking buck. The Lost Pond Trail<br />
in Pinkham Notch is only about a mile long,<br />
relatively flat, and leads to a pond where you may<br />
find evidence of beavers in residence.<br />
Franconia Notch State Park offers a plethora<br />
of serene winter hikes. A 3-mile roundtrip trek<br />
up the Falling Waters Trail passes by stunning<br />
frozen waterfalls. The hike to Lonesome Lake,<br />
also 3 miles roundtrip, leads to one of the<br />
prettiest views around: of the frozen lake with<br />
the craggy peaks of the Franconia Ridge in the<br />
background. And the 2-mile Flume Gorge Trail<br />
loops along frozen water and spectacular frozen cliffs.<br />
Many Nordic ski areas have snowshoe-designated<br />
trails as well, and also offer rentals – although<br />
you’ll have to purchase a trail pass to explore.<br />
“Start small and work up toward more<br />
extended hikes,” Arentzen advises. “It’s all about<br />
easing into it, and being certain that you have<br />
your gear, layers, food, navigation skills, and<br />
problem-solving skills dialed in before you<br />
venture into higher-stakes situations.”<br />
Dressing for Success<br />
There’s an oft-repeated saying in these parts<br />
that there’s no such thing as bad weather, just<br />
bad clothing choices. That is perhaps more apt<br />
in winter than any other season. While you may<br />
be tempted to don ALL of your warm layers as<br />
you head out for a winter hike, it’s important to<br />
remember that once you start moving, your body<br />
will warm up quickly.<br />
“When thinking about layers, ‘Be bold, start<br />
cold,’” Arenzten says. “The enemy is sweat in<br />
the winter, because once you saturate your layers,<br />
they won’t dry. Preventing sweat from the start is<br />
the way to go.”<br />
That means dropping a layer or two right from<br />
the start, even if you feel a bit chilly at the<br />
trailhead. And if you feel yourself starting to<br />
overheat along the trail, it’s a good idea to stop<br />
and drop a layer. Likewise, it’s critical to carry<br />
extra layers so that you can add and subtract as<br />
needed to maintain a comfortable temperature<br />
both while hiking and during breaks.<br />
Another saying among seasoned hikers is<br />
“Cotton kills.” Because cotton doesn’t wick<br />
sweat away from your skin and because it takes a<br />
long time to dry out, this material is not a good<br />
option for outdoor adventuring (in any season).<br />
Synthetic materials and wool are both good<br />
options.<br />
Layers, Arenten says, should include a wicking<br />
base layer that sits next to your skin, mid layers<br />
such as a fleece jacket and pants, an insulating<br />
layer such as a down jacket, and a waterproof<br />
layer – top and bottom – to keep you dry from<br />
the snow. With the exception of the base layer,<br />
these can be added and dropped as needed<br />
throughout your snowy outing. Extra gloves<br />
– and a waterproof overmitt – and a warm<br />
hat are also winter trekking necessities, and<br />
Arentzen suggests adding waterproof gaiters<br />
to the winter hiking kit to prevent snow from<br />
slipping into the tops of your boots.<br />
What to Carry<br />
Anyone venturing onto the trail in any season<br />
should carry with them, at a minimum, the<br />
“10 Essentials.” These include a pocket knife,<br />
rain jacket and pants, fire starter, first aid kit,<br />
whistle, headlamp or flashlight (and extra<br />
batteries, especially in winter), water and<br />
food, warm clothing, a compass (and the<br />
know-how to use it), and a map of the area you’re<br />
hiking. For winter, that list expands. To ensure<br />
everything stays dry, extra layers, food, and<br />
other items in your pack should be placed into<br />
a trash bag or waterproof stuff sack.<br />
(You can find the 10 Essentials list and more helpful<br />
tips for every season at: www.HikeSafe.com.)<br />
Beyond the 10 Essentials and extra<br />
layers for winter, Arentzen suggests adding a<br />
closed-cell insulated foam pad to your pack.<br />
www.<strong>Realty</strong>Magazine.us<br />
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<strong>Peabody</strong><strong>Smith</strong>Magazine<strong>Winter</strong>.indd 11<br />
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This will provide a non-frozen place to sit<br />
during breaks. She also recommends carrying<br />
microspikes or some other traction device that<br />
can be strapped onto hiking boots in case hikers<br />
encounter sections of icy trail or places that don’t<br />
warrant snowshoes, but are still slick.<br />
Rather than just packing water for winter<br />
outings, an insulated bottle of hot cocoa or<br />
tea makes a nice addition to a mid-hike break.<br />
When considering snacks, good choices<br />
include foods with high fat and protein content:<br />
nuts, nut butters, cheeses, and trail mix. “To<br />
stay warm, eat and drink often,” said Arentzen.<br />
“Staying fed and hydrated is the easiest way to<br />
avoid hypothermia.”<br />
Willard Wonderland<br />
Photo: Meghan McCarthy-McPhaul<br />
Willard<br />
Photo: Meghan McCarthy-McPhaul<br />
Mt. Willard in Crawford Notch is<br />
another short hike with a big view.<br />
Bretton Woods<br />
Photo: Omni Mt Washington<br />
The groomed trail network at<br />
Bretton Woods offers a variety of<br />
snowshoeing options.<br />
There are a few other things to consider before<br />
embarking on a winter snowshoe walk or hike.<br />
One is that there is considerably less daylight<br />
in February than there is in July, which should<br />
be kept in mind when determining which trail<br />
to tackle and when to start. Another is that<br />
batteries – for smart phones, flashlights, and<br />
headlamps – will drain more quickly in cold<br />
weather, so bring extras! Finally, while a<br />
tracked-out trail through the snow will be easy<br />
to follow, fresh snow can cover that well-trodden<br />
path, and trail signs may be obscured by snow,<br />
too. Be sure to have a map and compass and<br />
consult them as often as necessary.<br />
“<strong>Winter</strong> hiking in the Whites is as close to<br />
paradise as I can imagine for a well-prepared<br />
hiker,” said Talbot. “Just be careful, as it can also<br />
be as serious as anywhere I’ve been in the world!”<br />
If you’re not sure about venturing into the<br />
snowy woods on your own, the AMC offers<br />
a variety of winter programs and outings for<br />
everyone from first-time snowshoers to seasoned<br />
hikers. Check out the list of upcoming events at<br />
activities.outdoors.org/search/<br />
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boyce@banknh.com<br />
10 <strong>Realty</strong> Magazine<br />
<strong>Peabody</strong><strong>Smith</strong>Magazine<strong>Winter</strong>.indd 12<br />
2021-02-22 2:15 PM
(603) 444-0957<br />
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www.<strong>Realty</strong>Magazine.us<br />
<strong>Peabody</strong><strong>Smith</strong>Magazine<strong>Winter</strong>.indd 13<br />
2021-02-22 2:15 PM
DEAL OR NO DEAL: How to Make<br />
Smart Real Estate Investments<br />
Real estate investing is a path to financial success,<br />
but there is no road map for exactly how<br />
to get there. Breaking into the world of real estate<br />
investing can be challenging for newcomers.<br />
You may ask yourself: “What kind of properties<br />
should I invest in? Should I go big or start small?<br />
How do I know a property is worth investing<br />
in?” These are all common questions when you’re<br />
getting ready to make your first real estate investment.<br />
Take a look at these top tips:<br />
Do Your Homework:<br />
It is impossible to make the right decision without<br />
the right information. Thoroughly research<br />
the property before you buy it. Learn everything<br />
you can about the property and work with your<br />
real estate agent. You will want to understand the<br />
market value of the property, how it compares to<br />
nearby properties, and is it in good shape - if<br />
not, how will want to understand how much you<br />
have to set aside for improvements. You may also<br />
learn about CAP rates and more.<br />
Start Small:<br />
Do you dream of owning entire apartment<br />
buildings or flipping luxury lakeside homes?<br />
Long-term goals have motivational power, but<br />
don’t make the mistake of setting the bar too<br />
high in the beginning. As a rule of thumb: start<br />
small. New real estate investors usually have limited<br />
resources to work with. Instead of maxing<br />
out your budget on one risky property, make<br />
a safe purchase. Once you have a steady profit<br />
coming in from that property, you can use the<br />
profit for the next.<br />
Have a Plan:<br />
You’re probably excited to jump into the real estate<br />
market, but don’t dip your toes in until you<br />
have a plan. Your plan should be based on clearly<br />
defined goals, both short-term and long-term<br />
and include a realistic timeline. Your plan will<br />
keep you organized, motivated, and focused on<br />
the “big picture.”<br />
Take a Gamble:<br />
No investment is 100% fail-safe. Keep in mind<br />
many factors impact the value of properties.<br />
Make sure to have some rainy-day funds set<br />
aside to weather bumps in the market.<br />
In closing, investing in real estate is rewarding.<br />
Research the properties, start out small, plan<br />
appropriately and work with an agent who specializes<br />
in commercial real estate. Your agent<br />
will become a tremendous asset for you for this<br />
transaction and in the future.<br />
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e-mail: greg@hunkins-eaton.com<br />
www.hunkins-eaton.com<br />
12 <strong>Realty</strong> Magazine<br />
<strong>Peabody</strong><strong>Smith</strong>Magazine<strong>Winter</strong>.indd 14<br />
2021-02-22 2:15 PM
Give your home<br />
the protection<br />
it deserves.<br />
Lynne Warren, Agent<br />
264 Main Street ste 8<br />
Lincoln, NH 03251<br />
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Your home is where you make<br />
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I’m here to help.<br />
LET’S TALK TODAY.<br />
Buying a Home When the<br />
Market is Favorable to Sellers<br />
If you are trying to purchase a home when the market is favorable<br />
to sellers, you are in a seller’s market. While you can still find the<br />
home of your dreams, it may take a bit more work since there are<br />
fewer properties available. Your real estate agent will be able to<br />
guide you in the process of finding a home, drafting an offer, and<br />
negotiating. Here are a few tips:<br />
Always Be Ready to Make an Offer.<br />
Buying in a seller’s market is not for the timid. If you look at a<br />
property and love it, you should be prepared to make an offer fast.<br />
Even a delay of a few hours can be detrimental. In a seller’s market,<br />
sellers may be entertaining a number of offers at the same time.<br />
Prepare to Pay Full Price.<br />
Once you know what your budget is by getting a mortgage<br />
pre-approval, be prepared to pay the full asking price for any home<br />
you are interested in. While you may be able to make an offer that<br />
is lower and have the offer accepted, it is always best to prepare for<br />
a full price offer. When the market has few listings, buyers often<br />
pay full price or more for available properties.<br />
Look for Listings Daily.<br />
If you have established exactly what you want with your real estate<br />
agent, they are going to match you with potential properties on<br />
a daily basis through an email notification. You can look online<br />
yourself to maximize your exposure to potential listings and get<br />
a sense of the market. Be ready to go to a showing at a moment’s<br />
notice. When your real estate agent knows they can call you in<br />
a hurry and schedule you to see a new property, you may find a<br />
property you love fast.<br />
Buying a home in a seller’s market is possible with good preparation.<br />
Know what you want, and work closely with your real estate<br />
agent to get it. Make an offer when you love something, and know<br />
what your budget is before you even start looking. A new home is<br />
possible, but you need patience when the market is tight.<br />
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13<br />
<strong>Peabody</strong><strong>Smith</strong>Magazine<strong>Winter</strong>.indd 15<br />
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Re-discover the<br />
White Mountains<br />
With Major Travel on Hold, Explore Options Closer to Home<br />
The past year presented many challenges, but has also been a revelation for many of us<br />
who have come to recognize that with a few tweaks we can often turn a disappointing<br />
situation from “a glass half empty” to “a glass half full” with a little imagination and<br />
creativity.<br />
When you’re unable to take your usual winter trip to relax on a sunny Caribbean beach with<br />
a fruity drink in hand, have to postpone hiking in the Italian Dolomites, or cancel plans to<br />
scuba dive off the coast of Australia — but still long for time away from your usual daily<br />
routine, set your sights closer to home and explore nearby activities and attractions.<br />
With at least several more months of social distancing, mask wearing and hand washing<br />
ahead, we’ve highlighted a few destinations to explore across the White Mountains to lift<br />
your spirits and weather the winter into spring months. Imagine you are a tourist from another<br />
country arriving to visit the storied White Mountains!<br />
355 Kinsman Road, Franconia, NH 03580<br />
603.770.1630 • starer@aol.com<br />
www.leighbstarerllc.com<br />
14 <strong>Realty</strong> Magazine<br />
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2021-02-22 2:15 PM
Old Man of the Mountain<br />
Pollyanna Statue<br />
The bronze Pollyanna statue on the lawn of<br />
the Littleton Library is a prime photo op stop<br />
for any visitor to the region. The cheerful statue<br />
is a reminder of the fictional Pollyanna,<br />
whose name is now synonymous with gladness<br />
and optimism.<br />
Sleigh Rides<br />
“Dashing through the snow / In a one-horse<br />
open sleigh / O’er the fields we go / Laughing<br />
all the way…”<br />
How many times have you heard that song<br />
and wished you could experience just such a<br />
sleigh ride on a sunny winter’s day, bundled<br />
under blankets against the frosty weather and<br />
with the horse’s bells jingling all the way?<br />
Snuggle up with your sweetie or arrange a<br />
surprise for the kids when you book a sleigh<br />
ride at The Franconia Inn. Dash through<br />
snow-covered fields in an antique red sleigh<br />
pulled by a magnificent Belgian draft horse<br />
while you admire the frosty peaks of Mount<br />
Lafayette, Cannon Mountain and the Kinsman<br />
range in the distance.<br />
When New Hampshire’s beloved icon, the<br />
Old Man of the Mountain, collapsed in 2003,<br />
efforts were soon underway to commemorate<br />
the historic stone profile that for centuries<br />
had stood above Franconia Notch. Today, seven<br />
steel profile pillars recreate the Old Man’s<br />
image and give visitors a taste of what the<br />
original visage looked like. Dozens of paver<br />
stones adorn Profile Plaza with the names and<br />
messages of well-wishers.<br />
Mount Washington Cog Railway<br />
The world’s first mountain climbing cog railway<br />
was built by veterans of the Civil War,<br />
and has been ferrying passengers to the summit<br />
of 6,288-foot Mount Washington since<br />
1869. During the winter months, weather<br />
permitting, visitors can take a shorter but still<br />
spectacular journey up the western flank of<br />
the mountain to Waumbek Station, an alpine<br />
meadow at about 4,000 feet. A fire pit, warming<br />
huts and complimentary hot beverages<br />
will keep you toasty while you savor the view.<br />
Mount Washington Cog Railway<br />
Choose from a one-horse or two-horse sleigh<br />
at Bretton Woods and enjoy an excursion<br />
around the historic grounds of the Omni<br />
Mount Washington Resort where visitors<br />
have vacationed for over 100 years. Afternoon<br />
and evening rides are available.<br />
Canopy Tours<br />
Canopy tours that zip you through the treetops<br />
provide an exhilarating adventure. The<br />
landscape changes with the seasons, but the<br />
adrenaline thrill of pushing off a platform<br />
and zipping through the air remains. Expect<br />
incredible views of the White Mountains, accompanied<br />
by the thrill of flying though lush<br />
foliage during the warm weather months, autumn’s<br />
dazzling leaf colors, or winter’s crisp<br />
whites, blacks and greys punctuated with the<br />
deep greens of pine, fir, spruce and other conifers.<br />
Courtesy Photo, Franconia Inn Sleigh Rides<br />
Pollyanna Statue<br />
Alpine Adventures in Lincoln offers three<br />
zipline canopy tour choices, from tame to<br />
thrill seeker. Excursions last from two to three<br />
hours. Open year-round.<br />
Covered Bridges<br />
New Hampshire’s 54 historic covered bridges<br />
are a magnet for visitors, charmed by the<br />
cleverly crafted sturdy wooden structures that<br />
have long provided travellers with the means<br />
to go from one side of a river to another. Some<br />
of the covered bridges were built in the 1800s,<br />
while others have been rebuilt to replace those<br />
lost to fires and floods. Many are listed on the<br />
National Register of Historic Places.<br />
Plan an outing to explore some of these treasures<br />
and recall an era when residents crossed<br />
the wooden floorboards by horse or horse and<br />
buggy. If possible, get out of your car and stroll<br />
across the bridges to note the craftsmanship<br />
and intricate details each offers, while listening<br />
to the water rushing just yards below your<br />
feet!<br />
www.<strong>Realty</strong>Magazine.us<br />
15<br />
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Covered bridges in the White Mountains<br />
include:<br />
• Bath: Bath has the distinction of being home<br />
to three covered bridges. The Bath-Haverhill<br />
Bridge over the Ammonoosuc River is the<br />
state’s oldest covered bridge still in use. The<br />
Bath Bridge, also spanning the Ammonoosuc<br />
River, was once posted with a sign prohibiting<br />
trotting horses from crossing the bridge, as it<br />
was thought that the impact of their hooves<br />
striking the bridge floor might collapse the<br />
structure. After a logjam on the Ammonoosuc<br />
was dynamited, logs had to be removed from<br />
the roof of the Swiftwater Bridge!<br />
• Lincoln: The Sentinel Pine Bridge at the<br />
Flume was built from trees blown down<br />
during the 1938 hurricane. The 50-foot Flume<br />
Bridge may have been built on site or moved<br />
there from another location.<br />
• Campton: The Blair Bridge spans the Pemigewasset<br />
River. At one time, offenders could incur<br />
a $5 fine for crossing the bridge at speeds<br />
exceeding 5 mph. Turkey Jim’s Bridge over<br />
West Branch Brook, named for turkey farmer<br />
Jim Cummings, is a pedestrian/snowmobile<br />
bridge. Bump Bridge spans the Beebe River<br />
and was once known as the Webber Bridge.<br />
• Sandwich: The Durgin Bridge over the Cold<br />
River was a link on the Underground Railroad<br />
between Sandwich and North Conway.<br />
• North Woodstock: Clark’s Bridge over the<br />
Pemigewasset was originally built in Barre,<br />
Vermont to span the Winooski River and in<br />
1960 was moved to its present site, piece by<br />
piece, and reassembled.<br />
• Littleton: Built in 2004, the pedestrian<br />
bridge over the Ammonoosuc River in downtown<br />
Littleton connects the town’s River District<br />
with a nearby walking path that leads to a<br />
long and bouncy suspension bridge.<br />
Iron Furnace Brewing Company<br />
Rek’•lis Brewing Company<br />
Wine tastings and wine tours are available at<br />
Seven Birches Winery in Lincoln, where the<br />
handcrafted wine is made from whole fruit<br />
and juices sourced locally and from points<br />
around the world. At the nearby Atrium Wine<br />
Bar, wine is available by the glass and in wine<br />
flights and can be accompanied by picnic-style<br />
food.<br />
One of the state’s oldest craft beer breweries,<br />
the Woodstock Inn Brewery in Woodstock<br />
offers daily tours, individual beers and brew<br />
samplers, along with a full menu in the adjacent<br />
restaurant.<br />
1776 Brewing Company in Plymouth specializes<br />
in handcrafted, small batch craft beer.<br />
Its sister restaurant next door, The Last Chair,<br />
offers a menu of appetizers, salads, pizza, entrees,<br />
wine and cocktails.<br />
Shilling Beer Company, located in a renovated<br />
18th century gristmill alongside the<br />
Ammonoosuc River in Littleton, serves European-inspired<br />
beers and American ales.<br />
Wood-fired pizza, a seasonal beer garden, deck<br />
seating and the rushing river add to the vibe.<br />
The Rek’•lis Brewing Company on Bethlehem’s<br />
Main Street offers a selection of Rek’•lis<br />
beers, along with spirits, wines and cocktails<br />
and a restaurant menu of favorites like burgers,<br />
fries and tacos. Both indoor and outdoor<br />
seating available.<br />
Sample beers from local nano- and micro-breweries<br />
around New England at the<br />
Littleton Freehouse Taproom & Eatery,<br />
along with spirits and wines. Soups, salads,<br />
starters, sandwiches, and a selection of entrees<br />
top the Freehouse menu.<br />
Raise a Glass<br />
In the White Mountains, you don’t have to<br />
travel far to sample a wide array of outstanding<br />
wine and beer selections at our local breweries,<br />
taprooms and winery.<br />
Woodstock Inn Brewery<br />
Franconia’s Iron Furnace Brewing Company<br />
taproom serves a variety of NE IPA, pale ales,<br />
stouts, porters, goldens and sours, along with<br />
wines and ciders, and food choices like pizza,<br />
paninis, salads, snacks and desserts.<br />
16 <strong>Realty</strong> Magazine<br />
<strong>Peabody</strong><strong>Smith</strong>Magazine<strong>Winter</strong>.indd 18<br />
2021-02-22 2:15 PM
FREGEAU<br />
BUILDERS<br />
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(603) 991-3097<br />
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Littleton, Grafton County 03561<br />
One Careful Move At A Time Since 1937!<br />
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P.O. Box 243, 130 Lancaster Road, Groveton, NH 03582<br />
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Maine Locations<br />
Houlton • York • Wells • Farmington<br />
Portland • Augusta • Waterville<br />
Bangor • Auburn • Rockland<br />
New Hampshire Locations<br />
Portsmouth • Manchester<br />
Concord • Meredith<br />
North Conway • Plymouth<br />
Massachusetts Locations<br />
Amesbury • Westford<br />
www.<strong>Realty</strong>Magazine.us<br />
17<br />
<strong>Peabody</strong><strong>Smith</strong>Magazine<strong>Winter</strong>.indd 19<br />
2021-02-22 2:15 PM
Franconia, NH<br />
8.38+/- ac, work live, play in the White Mountains. Start your day<br />
by catching first tracks at Cannon or a multitude of other outdoor<br />
activities. With rosy cheeks-energy now spent, you land back home<br />
to luxurious in-home office space-cherry cabinets, wood fireplace,<br />
views! Kitchen welcomes many to partake with 3 sinks, large work<br />
spaces, breakfast nook-granite and maple cabinetry. Home envelopes<br />
local views and lots of daylight. Evening is signaled by<br />
brilliant sunsets, casting color across sky and fieldstone/cobblestone<br />
fireplace in living room inviting you to wind down the day.<br />
Brazilian Cherry floors and tile throughout, radiant heat, multiple<br />
heat sources including solarpanels producing almost 7 megawatts/<br />
yr. Primary ensuite with fireplace, balcony, luxury. Multiple other<br />
quest rooms, baths. Generous mudroom, laundry room, front and<br />
back stairs. Bonus - separate guest suite with kitchen, bath or perhaps<br />
another office space! Lower level has rec/game room, full bar<br />
entertainment area and exercise area. 3-car garage with workshop<br />
space! Outdoor living space-deck extends across front of house<br />
with electric awnings, great entertaining space with hot tub, too!<br />
Terraced rock walls, paths, perennials, shed for tools. Hike, bike,<br />
ski in the great outdoors just out your door.<br />
MLS # 4844007 • Offered at $1,390,000<br />
Woodstock, NH<br />
With views deep into Franconia Notch, this inspirational build’s<br />
interior design is vast and open, further enhanced by industry leading<br />
energy efficient construction and features. As you enter, the<br />
vaulted vestibule opens into a vast cathedral great room adorned<br />
with large windows which frame the stone gas fireplace. The kitchen<br />
is opened off to the right of the great room with bar seating for<br />
4 at the long granite island, wine storage and finally room for a<br />
large dining table with mountain views out the sliding door. Leading<br />
from there, the 400 sq ft ironwood deck provides extensive<br />
views into the White Mountain National Forest. As you head up<br />
the custom cherry staircase, turn to the master suite on the right.<br />
Palatial in size, here you have laundry, a stone gas fireplace, large<br />
walk-in closet and room for a sitting area. French doors open to<br />
a small deck to enjoy sunsets and tremendous views. The master<br />
bath has a jacuzzi tub with heater, and shower with a bench. The<br />
lower level of the house is designed to entertain even the most<br />
discerning guest. A wet bar with live edge countertop, kegerator<br />
and commercial beverage cooler compliment the large and inviting<br />
space. Currently outfitted to sleep 14 in 7 different rooms, this<br />
property is incredible: Radiant heat throughout, humidity controlling<br />
air exchanging system and AC, Decra metal roof shingles.<br />
MLS# 4836741 • Offered at $1,199,900<br />
18 <strong>Realty</strong> Magazine<br />
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2021-02-22 2:15 PM
Franconia, NH<br />
8.35 +/-Acres. An awe-inspiring view from brand new home. Truly most amazing<br />
views of Lafayette, Cannon, Mittersill, Cannon Balls and down the Easton<br />
Valley. Perched hillside, you’ll look out to Franconia Village-beyond to a visual<br />
sea of colors that are forever changing amidst mountains as weather comes<br />
and goes. On fire sky glows at dusk bringing you to stop, take in Mother Nature’s<br />
glory wondering for that particular moment where worries of world went.<br />
Vaulted ceilings, hemlock beams, Harvey series 401 windows, generator. One<br />
of best view locations, come experience nirvana as you sit on the expansive deck<br />
at days end. Just a few final appointments to be finished for the new owners,<br />
new furnishings included. 1st floor primary suite, open kitchen, living room,<br />
dining room conducive to entertaining & being together. 4 bedrooms and full<br />
bathroom upstairs. 2 car attached garage with direct entry mudroom. Private<br />
guest suite or office is above the garage access with private entrance, appointed<br />
with full kitchen, laundry of its own, living room, sleeping area and 3/4 bath<br />
and private deck.<br />
MLS #4841565 • Offered at $999,000<br />
Whitefield, NH<br />
5.05+/- acres with historic renovated White Mountain Cottage. Circa 1920-<br />
30’s “Stone Gate” speaks for itself as pillars on driveway entrance greet you<br />
in an almost romantic way! Built by a NY architect for his opera singer wife,<br />
designed specifically for acoustics- you’ll sense the solid good bones within this<br />
home. Old fashioned detail, craftsmanship renovated with history and charm in<br />
mind. Butler’s pantry, wet bar, wainscoting, Italian marble, details that are often<br />
cost prohibitive in a new build. Mostly new Harvey windows, newer furnace,<br />
new kitchen, baths-all of today’s niceties. There is a feeling of spaciousness, a<br />
glorious home for entertainment, living with multi generations, seasonally or<br />
full time! The living room with handsome fireplace will draw you in to a sense<br />
of stillness, the desire to sit, read, converse! 1st floor bedroom off of kitchen,<br />
in home office space, a dining room you can only wish for your company and<br />
the great conversation to be had! Amazing porch. Yard is rather private, some<br />
woods, fruit trees, lawn, fish pond, a quintessential country setting in heart of<br />
White Mountains<br />
MLS #4823729 • Offered at $625,000<br />
Services We Offer<br />
Prompt, Reliable, Professional Service<br />
Since 1963<br />
whitesepticservice.com<br />
603.631.0660<br />
Emergency Service<br />
Clogged Sewer Lines<br />
Video Inspections<br />
Septic Tank Pumping<br />
& Cleaning<br />
Sewage Pump Repair<br />
& Replacement<br />
Tank Locating, Digging,<br />
inspection & Repair<br />
Tank Riser Installation<br />
Commercial Grease Traps<br />
We Want Your Stinkin’ Business!<br />
www.<strong>Realty</strong>Magazine.us<br />
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Colebrook, NH<br />
Panoramic views to Canada & Dixville Notch from this custom built contemporary<br />
home. 3 bay heated garage. In the kitchen, grab a beverage and take in<br />
one of the best views in the area! You look around your spacious kitchen &<br />
admire the Corian countertops & center island where you’ll prepare a delicious<br />
dinner shortly. You love the open concept to the dining & living area & you’re<br />
excited to have a pellet stove & gas fireplace for the upcoming winter months.<br />
You bring your briefcase into your home office which would be a main floor<br />
bedroom if needed. Climbing the stairs to your private master suite, you are<br />
so happy with this floor plan! You love having a huge walk-in closet & private<br />
bath with step-in shower, but you’re already looking forward to soaking in the<br />
whirlpool tub later this evening. The lower level is great for guests as that too<br />
is uber private with full bath, family room & large bedroom. Views from every<br />
room in the house! Property in current use tax status.<br />
MLS#4833649 • Offered at $475,000<br />
Lyman, NH<br />
Perched on a hill w/views back to Franconia Notch & Mt. Washington sits your<br />
personal paradise on 12+ acres of rolling fields, fruit trees & perennial gardens. This<br />
post & beam home has a spacious open-concept main level perfect for entertaining.<br />
Reclaimed wood & metal are featured in the large kitchen with Kraftmaid soft close<br />
cabinets & grand center island perfect for cooking or projects. Dining area is open to<br />
kitchen/living & boasts views on 2 sides. Living room w/cathedral ceilings is open<br />
to loft above & this is where you’ll gaze out the Anderson windows for hours at the<br />
view. Master bedroom on main level with large walk-in closet & private bath also<br />
features views. First floor is finished off w/an office perfect for working or schooling<br />
at home, 1/2 bath & laundry room. Perfect single level living if needed. Upstairs you<br />
have 2 comfortable guest bedrooms & a loft - views from here, too! Lower level is<br />
fully finished w/exercise room, guest bedroom, 3/4 bath & family room w/french<br />
doors to the outside. This home is only a few years old & attention to detail has been<br />
made throughout. Heat recovery system, whole house generator, detached barn for<br />
your toys, garden space, fire pit, stonewalls, Sunsetter awning, deck & views from all 3<br />
levels - this home needs nothing!<br />
MLS#4826963 • Offered at $989,000<br />
Bath, NH<br />
Welcome to the Jermiah Hutchins Tavern a former stage coach tavern with a<br />
unique combination of architecture from the Federal era with period finishes<br />
and blend of family history. Jeremiah Hutchins was an early settler (1795-<br />
1799) whose family called the Upper Bath Village Home. The tavern has had<br />
many updates over recent years with kitchen, baths, roof, wiring, septic, generator,<br />
and more. A lot of the original integrity still exists; the master suite is where<br />
the original ballroom was on the second floor of the home. The home has five<br />
large bedrooms and 4 baths, 9 fireplaces. Truly a one of a kind property with so<br />
few left that has the blend of architecture here. Proudly listed on the National<br />
Register of Historic Homes. Approx. 15 miles to downtown Littleton, close to<br />
all the North Country amenities, skiing, golf, hiking, boating. This is a property<br />
for the antique lover at best!<br />
MLS# 4820481 • Offered at $377,500<br />
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Ledgewood Phase II in Bethlehem, NH<br />
A community like no other set on over 1800 acres with a total<br />
of 43 estate parcels - designed to integrate legacy quality<br />
estates amongst thousands of acres of conservation, and<br />
experiences reserved for a lucky few. Beginning with a protected<br />
viewshed, all homesite lots of Ledgewood maintain a<br />
sense of exclusivity, teeming with nature and opportunity. As a<br />
true one-of-a-kind lifestyle community with over 175 acres of<br />
common land featuring walking trails meandering throughout,<br />
association ownership of thousands of feet of Ammonoosuc<br />
River frontage with private fishing camp, and on-site ponds<br />
with pavilions provide unparalleled enjoyment. Amongst the<br />
ravaging beauty of northern New Hampshire, appreciate the<br />
majestic views from any homesite, from the Presidential’s to<br />
Cannon, Canada to Vermont. Also residing in the area are<br />
deer, bear, moose, turkey, fox, songbirds and majestic birds of<br />
prey. These animals also enjoy cohabitating on many of Ledgewood’s<br />
luxury estates. The second phase of Ledgewood focuses<br />
on an exceptional area to the Northwest of phase one. From<br />
here, views of Mt Washington, Cannon, Lafayette, Garfield,<br />
Twin, and Gale head are the main performers in the silhouette<br />
of the backdrop. Sunsets from phase 2 are among the finest<br />
anywhere.<br />
Lots starting at $199,000 Call <strong>Peabody</strong> & <strong>Smith</strong> <strong>Realty</strong><br />
to learn more or visit online.<br />
A TEAM OF PROFESSIONALS<br />
FOCUSED ON YOUR PROJECT.<br />
We offer a complete range of professional<br />
services from preliminary design through<br />
the administration of the construction<br />
process. Each project and client receives<br />
our teams utmost attention regardless of<br />
size. We are equally comfortable meeting<br />
with a board of directors or sitting over a<br />
cup of coffee discussing design options<br />
for your home or business.<br />
We strive to achieve three classic goals:<br />
highest quality for the lowest cost in the<br />
shortest time frame.<br />
PLLC<br />
357 Western Avenue<br />
Suite 104<br />
St. Johnsbury, Vermont 05819<br />
802 748 5239<br />
contact@ehdanson.com<br />
ehdanson.com<br />
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Happily ever after<br />
starts here.<br />
Personal service. Local knowledge.<br />
As a local community bank, we understand our area’s<br />
unique home market. We know the region, inside and<br />
out, and appreciate the challenges and rewards of<br />
building, buying and owning a home here.<br />
If you’re looking for a mortgage to build, buy or<br />
refinance your home, count on our skilled mortgage<br />
specialists to offer personal support, guiding you<br />
through every step of the mortgage process.<br />
Contact us or apply online at themerrimack.com.<br />
• First-time homebuyers<br />
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• Traditional<br />
mortgages<br />
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with just one<br />
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• Home equity lines<br />
and loans<br />
• Unique properties<br />
NMLS# 433938<br />
800.541.0006 themerrimack.com<br />
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