Ron Fredette

If you live in Manchester, NH and want to access information about how to apply for residential building permits here is your link to the site: http://www.manchesternh.gov/website/Departments/Building/PermitsandForms/tabid/239/Default.aspx Hope these forms help give you some ideas on what you can do yourself in Manchester.

New Hampshire is generally perceived as a great vacation place. One wonderfulplace to live and work. It is overlooked as a great place to conduct or own a business! With the Manchester-Boston regional airport and two interstate highways one can easily travel and conduct commerce in and out of the state without the Boston traffic and stress.

Economically New Hampshire leads all New England states in employment and business growth. It's market data slightly above national averages places NH in a favorable position. With ample office space for lease, and for sale and plenty of land opportunities for business development. New Hampshire is just an hour from Boston. The main growth areas in NH are Bedford NH, Manchester NH, Portsmouth NH, and Nashua NH. With main interstate access including the route I-93 corridor, I-95 and US Route 3, growth has slowed lately, but still respectable. NH boasts no state sales tax, no state income tax creates good growth opportunities for new and growing businesses.

Next time you are considering relocating your business into a favorable growth climate, consider relocating or opening your new business center into New Hampshire.

The city of Portsmouth will give funds allocated from the federal and state government to those financially hit by the economic crisis through the Portsmouth Housing Authority. The Portsmouth Housing Authority protects those who have been a Portsmouth resident or who currently are a resident and are under financial distress. To meet the requirements of a Portsmouth resident you must qualify by these standards as explained in their application for financial assistance: "definition of a Portsmouth resident: The Portsmouth Housing Authority defines a 'Portsmouth Resident' for the purposes of providing resident selection preference for all its housing programs as: 1. An individual or family that has previously reside in the City of Portsmouth for a period no less than 5 consecutive years, who has moved away and now wishes to return to the City to reside. or 2. An individual or family that has to move to the city of Portsmouth due to age, disability or illness and must live near or with family who resides in the City of Portsmouth and has done so for a period of 2 consecutive years prior to consideration of this request." The Portsmouth Housing Authority will house those in need of a residence through programs they designed to make living in the city more affordable. One must meet their financial requirements in order to benefit from such programs, but nevertheless the programs and funding are there for those in need. I urge anyone who believes they may meet the financial requirements of any city to look into financial assistance programs in their area. Here are some of the nationally funded programs in New Hampshire take a look at how much money they receive for Public Housing Capital Funds only (there is much more money, but the website's link is not working): Manchester Housing Authority $1,607,486.00 Nashua Housing Authority $923,915.00 Dover Housing Authority $728,908.00 Portsmouth Housing Authority $603,400.00 Concord Housing Authority $368,853.00 Somersworth Housing Authority $240,031.00 Laconia Housing & Redevelopment Authority $132,772.00 Housing Authority of the City of Rochester NH $321,433.00 Lebanon Housing Authority $224,796.00 Keene Housing Authority $326,587.00 Berlin Housing Authority $70,279.00 Claremont Housing Authority $124,791.00 Newmarket Housing Authority $73,875.00 Exeter Housing Authority $151,934.00 For more information check out the site: Check out the website's of the agencies listed here and expand your knowledge on their programs. need to contact me check out my website: http://ronfredette.yourkwagent.com/ Any questions? Did I leave anything out? Please post a comment here and I will respond back. need to contact me check out my website: http://ronfredette.yourkwagent.com/

On the May 29th 2009 the release by the U.S.Department of Housing and Urban Development states, "FHA-approved mortgagees and FHA-approved nonprofit organizations as well as Federal, state, and local governmental agencies and instrumentalities thereof may purchase the tax credit anticipated by the homebuyer." What this means for you as a First Time Home Buyer is that you can use the tax credit toward the closing of your home. The FHA approved mortgage will allow a First Time Home Buyer to use the $8,000 tax credit and apply it toward their down payment, closing costs, or to cutting down the percent of their monthly mortgage payments. Caveat emptor. This amount may only be used in excess of the 3.5% down payment requirement. This is clearly stated here again in the May 2009 release: "Accordingly, the proceeds of the sale of the tax credit to FHA approved mortgagees, the seller, or any other person or entity that financially benefits from the transaction (or any third party or entity that is reimbursed, directly or indirectly, by the financing benefiting person or entity), may not be used to meet the 3.5% minimum downpayment, but may be used as additional downpayment, buying down of interest rate, or other closing costs." Also, in the May 2009 release the buyer is protected by a clause that limits the amount of fees that are required for the secondary lien when it explains: "Any costs attendant to the purchase of the tax credit are to be nominal and discounting the anticipated credit to cover the costs and expenses of the transaction must be reasonable and disclosed to the homebuyer. In FHA’s view, fees and costs that total more than 2.5% of the anticipated credit are considered excessive. (Example: $6000 to be refunded, with all fees and costs discounted, borrower should receive not less than $5850.00 for sale of tax credit.)" Need to contact me check out my webpage: http://ronfredette.yourkwagent.com/ If you would like to read this document for yourself please go to this site and read document 9-15: http://www.hud.gov/offices/adm/hudclips/letters/mortgagee/index.cfm If you would like to know the requirements of the First Time Home Credit please visit this site: http://www.irs.gov/newsroom/article/0,,id=204671,00.html?portlet7y Any questions? Did I leave anything out? Please respond here and I'll comment back! Need to contact me check out my webpage: http://ronfredette.yourkwagent.com/

A Variance is a request for an exception to current zoning standards set on a particular piece of property. I only use the word exception to demonstrate that a change has occurred to the lands use. For a piece of property to be granted the change of use the owner must first among a few items demonstrate hardship. Hardship can be split into 2 parts based on statutes regarding two types of Variances, the first part as explained in Ch. 674 of State Law as a 'Use Variance' and must follow these guidelines: a) The current zoning restriction hinders reasonable use of the property in it's surrounding environment. b) No 'fair and substantial relationship' exists between the property restriction and the intent of the zoning ordinance. c) If the Variance is granted it must not injure the public or private rights of others. The second part of hardship explained as an 'Area Variance' must abide by the following guidelines: a) An area Variance is required due to special conditions of the property. b) The benefit sought by owner cannot reasonably be acquired by another method, for example financial hardship. Another condition that must be met to grant the Variance is that the 'Spirit and Intent' of the ordinance must not be broken in order to accomplish the Variance. Also, the Variance cannot affect the values of other properties in the area. I'm sure if the Variance makes property value go up no one would object, but maybe they would. That is an interesting point with regards to an argument one could make against the Variance. The statute doesn't explain the value has to have an adverse affect on other properties, it just states that a change in value must not occur. Moreover, the Variance must benefit the general public not just solely the property owner. This point is also interesting because one must prove the benefit towards others. Furthermore, by not allowing the Variance the owner would suffer an injustice from the zoning board. These are all great things to keep in mind if you are looking for a Variance in your area. In these circumstances a real estate agent is a good resource, but really a lawyer is a better interpretor and executioner of the law. So when applying for a Variance be aware you may need legal council. Did I leave anything out? Any questions? Post them here and I'll respond back.