Header Image
User Photo
Terry & Joe Scattergood
Berkshire Hathaway HomeServices Verani Realty
One Verani Way
Londonderry, NH 03053
Business: 603-434-2377
Cell: 603-553-2761
Email Terry & Joe
Header Image

Buyer Guides

To enhance your buying and selling experience, it’s our job as real estate professionals to provide you with as much valuable information as possible. It is essential that the buyer or seller be aware of all aspects of the real estate market before making a major decision. Whether it be through newsletters, checklists or news articles, we are here to make this process stress-free and rewarding. Please access our free reports today!

Team Scattergood - 10 Steps to Homeownership
17 Page Guide with 10 Steps to Homeownership
Team Scattergood - Guide to Buying Your Home
Team Scattergood - 16 Page Guide to Buying Your Home
* * Maximum of 2000 characters

How Much Can You Afford?



First Step - Get Pre Qualified

Jeremy Allen - NMLS# 164512
Fairway Independent Mortgage Corporation
Mobile: 603-817-6463

Tammy Verani - NMLS# 237643
NewRez Mortgage

Mobile: 603-505-5752

Michael Comerford - NMLS# 184368
Premier Mortgage Lending

Mobile: 978-857-3111

Stan Makowski - NMLS# 279225
Residential Mortgage Services, Inc.

Mobile: 603-860-5860

Our calculators will help you determine loan amounts, mortgage qualification, affordability or whether you should be renting or buying.

Complete the fields below and click Calculate Now. To view the results of each calculation, click on the various tabs.  To email yourself a copy of the results, click the Receive this Detailed Analysis link. 



Required Fields
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
Estimate Insurance to 0.43% of Cost
Annual Property Tax:  $  
Estimate Tax to 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $
  Receive this Detailed Analysis

Your Monthly Payments
Loan Amount:
Loan Insurance (%):
Total Loan (Mortgage) Amount:
Principal & Interest:
Homeowners Insurance:
Property Taxes:
Condo Fees:
Monthly Loan Insurance (%):
Total Monthly Payment:
Income Needed to Qualify for the Mortgage
Total Monthly Loan Payment:
Total Monthly Debt Payment:
Monthly Loan Insurance (%):
Qualifying Income of % GDS Ratio:
Qualifying Income of % TDS Ratio:
What You Can Afford
We are using the % ratio.
Cost of House:
Down Payment:
Loan Value:
Monthly Principal & Interest:
Monthly Insurance:
Monthly Property Tax:
Monthly Condo Fees:
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %

Check School Ratings & Reviews at: www.greatschools.org/New-Hampshire

Let us help you find your DREAM HOME!

Our goal is SIMPLE:
To help you get the RIGHT house in the RIGHT neighborhood at the RIGHT price.

You will find us to be the professional, enthusiastic, service-oriented Realtors that you have always wanted… serving you before, during, and after the sale. We take our Fiduciary Duty very seriously and we will fight to get you the best deal possible, make sure your goals are achieved, and protect your interests to the best of our ability.

The Buying Process

1. Initial Consultation
• Understanding Your Needs & Expectations
• Discuss Agency Relationships
• My Role as Your Sales Professional
• Determine Best Contact Method
2. Home Search Plan
• Defining Home Search Priorities 
• Searching for Properties
• How to get the most from our websites 
• Working Together to Find the Right Home
3. Mortgage & Financing
• Mortgage Basics and Appraisals 
• How to choose a Mortgage Provider
• Putting You in Touch with the Right Lender 
• Pre-Approvals and being Ready 
4. Offers & Agreements
• Preparing & Submitting Offers 
• Forms, Agreements and Disclosures
• Counter Offers & Negotiations 
• Home Inspections & Warranties
5. Pre-Closing & Settlement
• Completing the Final Process 
• Review of the Settlement Statement
• Walk Through & Prorations 
• A Smooth Transition to Your New Home


About Buyer Agency

As your personal representative, a Buyer’s Agent will share essential information that you would now have the legal right to know. Information like if the Seller will accept a lower price, the Seller’s reason for selling, how many days the home has been up for sale, how many offers have been made on the home etc. You will have a caring helpful Agent who will be devoted to your successful purchase. One who is a specialist in negotiating the best price on your behalf. An Agent whom you can confide in and trust to represent you with full disclosure, and holding you as the highest priority. 
Over 70% of home Buyers surveyed for the National Association of Realtors said they would use a Buyer’s agent the next time they bought a home. Now you, like the Seller, can have someone on your side looking after your best interests.
BUYER AGENT “Client” (RSA 331-A:25-c) 
A buyer agent is a licensee who acts on behalf of a buyer in the purchase of real estate. The buyer is the licensee’s client and the licensee has the duty to represent the buyer’s best interests in the real estate transaction. Clients receive more services than customers. You become a client by entering into a written contract for representation as a buyer.
As a Client, in addition to the Facilitator “Customer” services, 
you can expect the following:
• Loyalty
• Lawful Obedience
Promotion of the client’s best interest   
• Advice & Counsel
Assistance in negotiations
There is a fee associated with hiring a Buyers Agent. Our fee is 2.5%. For example: If a particular 
property is offering a co-broke fee (the fee paid to the buying agent) of 2%, you would be obligated to pay the Buyer Agent firm the difference and in this case it would be .5%. In the negotiation with the seller on a purchase and sale, we will attempt to get this paid by the seller but that does not work all the time.
FACILITATOR “Customer” (RSA 331-A:25-f)
A facilitator is an individual licensee who assists one or more parties during all or a portion of a real 
estate transaction without being an agent or advocate for the interests of any party to such transaction. 
A facilitator can perform ministerial acts, such as:
Showing property
Preparing and conveying offers
Providing information and administrative assistance
To disclose all material defects actually known by the licensee pertaining to the on-site 
physical condition of the real estate
To treat both the buyer and seller honestly
To provide reasonable care and skill
To account for all monies received from or on behalf of the buyer relating to the transaction
To comply with all state and federal laws relating to real estate brokerage activity