For Buyers
Team Scattergood Buyers Guide
Download Here
General Buyers Guide
Download Here
Home Financing Guide
Download Here
Check School Ratings & Reviews at:
www.greatschools.org/New-Hampshire
THE SUPPORT YOU NEED
Buy A Home with
Terry & Joe
Finding and buying a home is a very personal process that works best when your objectives, priorities, and needs are met. While our role will involve economic analysis, strong negotiations, and addressing dozens of details around the closing process, our primary role is to support you as we seek to fulfill your real estate goals.
THE HOME BUYING PROCESS
What to Expect
- Meet with Terry & Joe
- Agree on Home Search Plan
- Get Mortgage Pre-Approval
- Visit Homes
- Identify "The One"
- Write & Submit Offer
- Negotiate with Seller
- Submit Counter Offer
- Accept Offer
- Finalize Inspection
- Request Repairs
- Get Appraisal
- Complete Closing Process
- Do Final Walk-Thru
- Sign Closing Papers
- Welcome Home!
- Recommend Us
Your Journey to
Finding the
Right Home
From the initial consultation, to planning your search, to walking you through closing, Team Scattergood is here to help. Your first steps to buying a home are only a click away. You can always ask us for advice if you have more questions.
THE BENEFITS
House Hunting
Tips
With Team Scattergood, finding the perfect home can actually be a fairly easy and enjoyable experience for both the seasoned home owner and the first-time buyer. Use these tips to prepare for your search and keep track of your house hunt as it progresses.
- Get pre-approved for a mortgage before you view homes
- Do your homework online
- Go to open houses
- Talk to your real estate agent.
- Location, location, location
- Make lists so as not to overlook details.
HOW TO GET A MORTGAGE
Things You
Need to Know
After you view real estate listings online, it’s time to get down to business and see some of the homes that peak your interest in person. But before we meet , it is best to get pre-approved for a mortgage. A mortgage, by definition, is the loan you will need to borrow from a mortgage lender to purchase a home. See our Lender page under Resources
It’s important to note that a monthly mortgage payment is more than just repayment of the loan with interest. In that monthly payment, there are also property taxes, insurance on the property, and PMI (private mortgage insurance), which is required by loan institutions if you are borrowing more than 80% of the home’s value. In other words, your down payment is less than 20% of the home, than you would need to purchase PMI.) For the purpose of figuring out how much they can loan you, financial institutions will estimate the cost of these extras and factor that in to the equation of how much you are allowed to borrow.
THE BENEFITS
How to Negotiate
the Price on
a Home
Before you place an offer on a home, Team Scattergood will probably discuss how to go about creating a negotiation strategy for you to get the best possible price for your new home. When bidding, do you start low, knowing the seller will then talk you up in price? Do you ask for extras like keeping the appliances? Do you hold your ground or bend slightly on what you will accept? Is there a way to guarantee that you don’t lose this house? Having an experienced and knowledgeable agent guide you on your choices will help answer those worrisome questions.
THE BENEFITS
Getting a
Home Inspection
After your offer on that perfect home is accepted by the seller, it’s time to schedule a home inspection. Your agent may have already advised that though it may be the perfect home for you, there may be hidden things you did not notice. This is your window of opportunity to learn from a licensed inspector what repairs may be needed before you complete the purchase.
Typically, your purchase and sales contract will state that you have the right to a home inspection under its terms and conditions, and the buyer usually must complete the inspection within a given number of days of the seller’s acceptance. An inspection may be done with new construction, but builders offering new homes for sale usually give buyers a guarantee on the home and its condition. This is probably the only case in which a buyer can forgo an inspection with some peace of mind. But in most cases, your agent will tell you that an inspection is a must-do for all home purchases.
WHAT TO EXPECT
Closing on
a Home
After searching for New Hampshire real estate, viewing homes, and going through the waiting game of getting offers, inspections, and loan requirements in order, your time has finally arrived to close on that perfect home. There are many steps to closing on a house, so what can you expect?
The closing or signing appointment is the time when you sit down with a very large stack of all the official documents, get your chance to review them, and have anything explained as needed. Then you begin signing your name on the dotted line to make this home your own. After the closing, which can take well over an hour to complete, the final documents that show the change of ownership and your purchase are sent to the county government and recorded. It is then official. You own a new home!
It can vary depending on the type of loan or if you are buying with cash, but typically you can expect to see and sign these documents:
Promissory note on your mortgage: This is a legal document that defines and commits you to the terms of your loan. It is called a promissory note because it is, in fact, your written promise to repay the loan. This document will include the amount of your payments, instructions for submitting your payments, and an explanation of penalties and fees you will incur if you stop making payments or are late with a payment.
Legal affidavits: You may be required to sign legal documents in which you swear that certain statements (for example, that you are still employed or that this new home will be used as your primary residence) are true.
The deed: A deed describes the property, its location and lot size, and lists who owns the property. Transfer of the deed to your name will occur at this time.
THE BENEFITS
Moving Checklist
When moving into a new house, the key to an easy transition is careful planning. There are steps you can take, from two months before the move until moving day, to make sure you have all your bases covered and
eliminate potential stress. Use this checklist so you won’t overload your schedule or mind, and even save some money.
Testimonials
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We thought Joe did a wonderful job helping us sell our home. He paid attention to detail and anticipated any possible hiccup we could have encountered. He made the processes easy and ensured our interests were met. Thank you, Joe!
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- Larry and Sue Downing
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"Joe and Terry did a fabulous job marketing our home. Joe took amazing photos highlighting the property beautifully, and marketing materials were top-notch. Terry was a terrific sales person negotiating a super deal for us which greatly exceeded our expectations. Both Joe and Terry were accessible from start to finish, and showings were arranged around our busy schedules so as to minimize disruption for the family. We were nervous about the sale of our "forever home", and Joe and Terry kept us calm and focused throughout the process. My wife and I couldn't be happier with the outcome. We strongly recommend Joe and Terry Scattergood to be your buyer or seller broker agent!!"
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- Geoff MacAdie, Raymond
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I had a great experience with Team Scattergood.
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- Timothy Domer
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Joe was great.
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- Edward A Knowlton
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Joe is very detailed and professional. Would easily recommend him.
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- Kevin Crump
"
Joe was great. He helped us navigate the choppy waters of house-selling with clarity, kindness and humor, all of which helped a lot. He was quick to respond when we had questions, and quick to communicate as necessary. We're very grateful.
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- Katherine Hankin
"
Sandy and I want to thank you for all your efforts in the recent transaction of our home at 70 Hall Road in Fremont. Starting from the pictures, through the showings, conversations in between on advice on various issues and your finishing with the closing and the extra above and beyond efforts making sure this got done professionally. You made the selling of our home personal like it was your own which provided a comfort zone which allowed Sandy and I to focus on other issues pertaining to the move into our new home. Thank you seems small based on all you both have done with your expertise and kindness. You are the best. Sandy and Wayne Fall
"
- Sandy and Wayne Fall
"
I worked with Joe to find and purchase my first house. Communication was very easy as he was quick to follow up with any outstanding questions or issues. Viewings were scheduled at my convenience and once I began negotiations he spent a good deal of time researching information about the property. I was able to successfully complete the purchase am very pleased with the results.
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- Joshua Horns
"
Joe made our home buying experience extremely easy as first time buyers. He was always available to answer any questions and explain what to expect from each step in the process. Joe went above and beyond. Highly recommend
"
- Leanne & Jake M
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Team Scattergood did an outstanding job presenting our house to the market resulting in a quick sale and an efficient process. Highly recommended.
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- William P. Caselden
"
Thank you for the wonderful support you provided during our home sale/purchase. You helped ease our angst during the process? Thank you as well for the unexpected, but deeply appreciated, gift card. We used if for several purchases we made at Lowe's, so it definitely came in handy. We are loving our new home and have already met many of our neighbors!
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- Al & Sue Dunn
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I can tell you that joe was there every and any time I had questions or wanted to see a property and it was a very long time before the right place came available you will be in good hands on your search Jen V
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- Jennifer Valvis
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Joe has brokered my three kids and myself and my brother in law. everybody is a satisfied customer.
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- Richard C. White POA
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Recommendation for our Photography Services. joe.s pix were clear,he, but unlike the 'FAKE" looking color saturated ones II see in the MLS, his are true HDrepresentations. I would use him again for sure! ...I'm also a Realtor so I know the difference.
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- tom Duffy
"
As first time homebuyers, the process of purchasing a home can be an intimidating and daunting task. Joe Scattergood at Verani Realty was there for us every step of the way, answering all questions in a prompt and clear manner. Joe was willing to adapt to our hectic work schedules and constantly updated us regarding homes on the market that would fit our needs. Throughout the process, Joe was always supportive and truly listened to us. We would highly recommend working with Joe Scattergood and Verani Realty when purchasing a home! Their resources and customer service exceeded our expectations.
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- Matt & Katie
"
Joe was the calm voice and easy hand you need at your back guiding you through the complex process of finding and purchasing a home. It was a great pleasure doing business with him.
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- Mike Spenard
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Was a very helpful agent he made looking for a house easy and worked with us on what we wanted and their was no rush to buy the next time that we look for a house or sell ours we would go to Joe.
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- Bob Gerhold
"
Joe and Terry were fantastic from beginning to end. They were never pushy but gave helpful advice and information that allowed us to make our own decisions. They communicated well and were quick to respond to questions as well as find necessary information regarding houses we were interested in.
Joe and Terry were patient while answering all of our questions, and there were a lot of them. As first time buyers, they were such a great resource for us so we could feel confident in making the right choice.
I wouldn't hesitate for a second to recommend Joe and Terry to someone looking to purchase a home. They were truly outstanding.
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- Andrew Sears
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Just great!
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- Anne-Severine Lima-Pimenta
"
I use Joe for my professional photography on listings. My sellers called me as soon as the listing went in to say how much they love the pictures and how great their home looked online. They especially loved his new service where he takes pictures from above! They came out great. Home went under agreement in days with multiple offers. We had many visitors at the open house, and I think Joe's pictures helped play a big part of it. Thanks Joe. Til my next listing:)
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- Jen O'Hanley
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Joe is one of the most thorough and professional individuals that I have ever dealt with in any of my business endeavors.
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- Wayne Blaisdell
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Joe was great to work with. He's a professional and worked hard for us ending in a sale that exceeded our expectations. All great.
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- Jeff F
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When I contacted Joe Scattergood to be my realtor for the closing of my house, I had no idea that it would end up being such a complicated and stressful time due to extraneous circumstances. From the moment we placed the house on the market, Joes was aggressive with his advertising and public relations with getting our house sold. I had know idea what the process was and his knowledge was invaluable. I was selling my house from out of state which made it more difficult for me, but Joe was always at my disposal night or day and he kept me informed of the events. When the problems occurred, due to outside influences from my past tenants, he went above and beyond with his support and reassurances. His advise and patience was a great help to me during that time. In my opinion he handled the entire process from the beginning to the end with professionalism and with a caring attitude. He was more than someone just trying to sell my house, he was kind-hearted, and I consider him a friend.
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- Janet Nodine
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They were very professional and quick to follow up. Marketing plan was great
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- Robert L. Young
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A great experience working with joe and terry. Thanks for all your advice!
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- Sally Younker
"
Very professional and knowledgeable. Personable. Great having a team. Covered our needs from A to Z. Communicated quickly. Premier realtors on Zillow so house was listed near top. Gave staging suggestions. Pictures of house and video were stunning. Sold our house in two days! Accompanied us to closing. Thank you so much for the support and making the process easy!
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- Judy A. Zeichner
"
I was pleased to work with Joe both on the purchase and sale of my condo. He proved himself to be diligent, professional and conscientious. Joe is quite knowledgeable about the current market conditions and kept me appraised. He was also able to highlight the uniqueness and history of the Derry area, which I believe added to the value of the property. All and all, I was quiet pleased with our transactions.
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- Taylor
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Strongly recommend Joe Scattergood for your next Real Estate Agent. Had a great experience working with him. Very professional and responsible. He really cares for the best interest of his clients.
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- Wes I. Derry NH
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Joe and Terry are amazing! They were able to guide us on how to prep and price our house for sale based on the current market. They were professional, efficient, and friendly. They responded quickly to each question we had, in a caring manner. Our house sold in two days! I would not hesitate to recommend them to any of our friends and family. We are sorry they will not be in Florida to help us find our next home!
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- Claudette Kilby
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Joe and Terri Scattergood did a great job selling our property. They where very helpful, respectable, and very much on the ball with selling our house. I would highly recommend them to anyone who is looking for a realtor.
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- Polly Tewksbury
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We were very pleased with the attention and quick response to any of our questions or concerns. The total selling process went smoothly. We are very satisfied with the TEAM.
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- Bob & Kate Deans
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Joe did a wonderful job and did it in a time frame that beat my expectations. Very satisfied.
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- Francis J. McBride
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Joe was extremely professional and always available for questions.
I would definitely use Joe again.
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- Susan Downing-Kohn
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he is excellent. thank you
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- Pei Kuang Chen
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We had a great experience working with Joe and would happily recommend him.
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- Susan Morissette
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Very friendly. Listing was good. Great array of pictures.
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- Corinne Sheridan
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Joe was extremely helpful to my brother and I. We were overwhelmed with the aspect of selling two homes and buying a new home. Joe assisted with making the process less stressful. He was readily available to answer any questions or concerns. I would definitely call on Joe if needed in the future. It was a pleasure working with Joe.
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- Elizabeth McBride
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I will tell you that Joe and Terry did an excellent job for my wife and myself. They were professional, truly interested in us as people not just clients, were informative and frankly nice people to do business. We would highly recommend them to anyone wishing to sell or purchase they have the knowledge, talent and understand the industry. Good people.
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- Wayne G. Fall
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Joe was highly recommended by friends who had him handle the sale of their homes. I called him and he immediately came by to talk to me about what we needed to do. He did an excellent job getting it on the market and it sold very quickly. I am so grateful for his help and for doing such a wonderful job. He is a credit to Verani and it was a pleasure to work with him.
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- Barbara J. Marino
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Joe is amazing to work with! Very genuine and efficient!
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- Kat Raycraft
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Joe and his wife Terry were a great team. Very professional excellent communication Excellent advice Thru their consultation ended up getting over listing price. 38 Hall Rd, Fremont NH
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- W Warren Gerety
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Joe and Terry helped me find my home in NH two years ago and their professionalism and thoroughness were what made me turn to them again when it was time to sell. They did not disappoint! They were there for me through every step in the process and their recommendations were spot on! My home sold in just 2 short days! I would highly recommend them so anyone looking to buy or sell a home. Not only are they super efficient and knowledgeable realtors, they are also great people and wonderful to work with! - 129 Coachman Drive, Barrington NH
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- Deborah A. Gonyar
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Thank you both for helping me sell my home at 61 Hall Rd. It was a pleasure working with you. You both did a wonderful job. Joe, your pictures of my home inside and out were beautiful. Terry it was a pleasure working with you thru both phone conversations and email. Great job.
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- Corinne Sheridan
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Thanks so much for your hard work and dedication in selling our house and helping us find our new one. Joe and Terry were always available when we called with a question. Even though we are not their only clients, that is how we felt. It was a pleasure to work with them and I would recommend Team Scattergood to friends in need of real estate help and advice.
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- Trina Silva
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Joe was extremely knowledgeable about the market. He was always available to assist with questions or concerns.
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- Elizabeth McBride
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I have utilized Agents with selling\purchasing homes through 5 relocations over the last 15 years. This included 2 cross country moves. During our last sale, our property had been stagnate for months when we switched to Joe Scattergood. The change quickly showed results. From the moment he took new pictures of our listing it was obvious we had found the "right guy". As a manager of a large number of sales representatives in my business I consider myself knowledgeable in this area. I am confident in recommending Joe with great enthusiasm.
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- The Richardson's
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My husband and I primarily worked with Terry - Joe was more behind the scenes for us. She was super helpful pointing out areas of concern within a house and showing us what things to look for, always responded to our questions in a timely manner, and explained every step of the process from start to finish. She always asked if we had any questions and made us feel confident in choosing the right house for our family. From the start of the process Terry was up front about everything - no sugar coating anything. My husband and I felt like she had our backs. I will recommend Team Scattergood to my friends and family!
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- Kelsey Waddicor
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Joe is very knowledgeable and professional and we enjoyed working with him for the second time.
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- Karen Z. Gray, Trustee
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Excellent service. Made the whole process easy to understand and work. Would highly recommend to anyone looking to buy or sell a home!
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- Stephen P Lanthier
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Did everything I asked for.
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- Dana Shaw
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Joe and Terry Scattergood have been acquainted with and have been marketing the Ben Chase Condos for a number of years. When I needed to put my condo on the market to rent or sell, I chose to work with them. They did the paperwork and listing in a timely manner and were responsive to work with, resulting in the sale of the condo.
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- Audrey Gordon
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Joe was amazing throughout the entire process of selling our home and could not give a higher recommendation.
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- James P. Lanthier
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Joe did everything right and was a great agent in all ways......... I have nothing but good things to say about him.........
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- Marcia S. Wilkins Trustee
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Joe did a great job and he was helpful to me which I appreciate. And he was 👍
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- Karen Amato
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I was interested in purchasing a condo from a new development proposed in the area. Found out that Joe was one of the agents would would be selling them when they came to market. Needed to sell my home in order to make the purchase happen and chose Joe because of his association with the new condo development. Joe provided us with some valuable "tips" when getting the house ready to sell such as getting the septic inspected/reports before selling which helped with final inspection - could skip that step. Should have listened to him and had our own home inspection, might have been able to fix a few more things that became issues. Loved the photos he took of our home for the listing. Joe also made good suggestions with the negotiations and eventual sale of the home. I have already recommended Joe to a couple of people who may be selling their homes soon.
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- Maryanne Murray
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Joe helped me to sell my home in several days after a different firm and representative failed over several months. The number one difference is that Joe knows how to market a home better than anyone I’ve ever worked with – and I’ve sold multiple homes over the years. He also listens in a way that translates into action, as well as follows through on what he says he’s going to do. Selling a home involves quite a few steps. Joe was right there every step of the way with help, guidance and competence. I highly recommend him to anyone looking to sell their home.
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- Deborah Osgood
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The Joe and Terry Scattergood Team are very detail oriented. They were able to be there for any open house we wanted and to plan viewing on other houses always at our convenience. Very professional.
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- Barbe J. Herrholz
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We would like to take this opportunity to thank Team Scattergood for their exceptional service leading to the successful sale of our home in Sandown. You and Terry function as a "Team" and cover every detail necessary to complete the sale. The advertising of the home was effective and up to date with todays internet savvy buyers. The still pictures, interactive layouts and your enthusiasm for open houses really targeted the serious buyers. The overhead video captured by a drone was phenomenal and emphasized the true beauty of the property and surrounding lake.Team Scattergood was always prepared, enthusiastic and available with advice when needed. A truly great blend of technical execution (Joe) with personable and enthusiastic interaction with potential buyers (Terry).
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- David and Catherine Morse
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Joe and Terry Scattergood went above and beyond the normal agent to get my house sold. It was a difficult sale, and they were with me the whole time. Great job!"
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- Robin C., Derry NH
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Joe and Terry are the best at what they do…highly recommend!
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- Julie K. Levesque
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Joe is very trustworthy. His calm demeanor and consistent communication makes the process much easier. Love Team Scattergood! Highly recommend!!
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- Linda Paduchowski
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Working with you guys turned out great. We chose team scattergood because of the good reputation and excellent pictures. You guys didn't disappoint and we ended up with a great listing that sold within the first few days on market.
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- Joe Owens
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Al and I would like to thank you for all your professional help and expertise in buying and then renting our condo in Derry. You made the process smooth and removed stress. You are polite and friendly and we appreciate your kindness. You kept us informed and updated at all times. When a rental fell through you were right there relisting the property and got us another acceptable renter in days. Thank you for all your help.
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- Al and Cathy Girard
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We are appreciative of all your marketing efforts on our behalf in making the sale. The personal involvement in preparing the listing and at all the showings really helped in getting the property sold. Also, the cheerleading & hand holding during the protracted loan approval process helped keep us from freaking out! We will be sure to pass out your business cards (the new two sided one is cool) to anyone we know that is selling their house.
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- Steve Knaub
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I have been involved in a number of buying and selling home transactions for both myself and family members. Joe has to be by far the best Realtor that I have had help me. He is so professional and extremely knowledgeable. He was also extremely organized, punctual, and efficient. It was so reassuring to me to have joe help me in buying my condo because I felt that he was very honest and had my best interests at heart and I was not just a quick sale. Joe helped me through the whole process. All arrangements for home inspections were coordinated efficiently and professionally. Ample resources were provided for every aspect of the buying and moving process. All email requests and phone calls were responded to and returned immediately. I didn't have to ask him for any important due diligence condo documents. They were all provided to me as soon as I showed an interest in a specific condo. I highly recommend Joe Scattergood as a Realtor.
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- Jeanette Sevigny
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Hé couldn’t have been any better!
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- Robert Soucy
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Good friendly and to the point
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- Teresa B. Soares Trustee
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ver the years I have found out that it is not easy to sell or buy a house. It is primarily because of all of the communications or mis-communications that goes on between seller or buyer and their realtor. Terry and Joe just sold our house in Derry NH and it was the most pleasant experience I have ever had selling a house. Their was constant communications between the Scattergoods and my wife and I. If it wasn't Joe contacting us it was Terry about an issue that needed to be resolved or them just contacting us to let us know what was going on with the sell of our home. We had weekly updates and when we were getting close to selling our house there was daily communications just to keep us informed of what the buyer is thinking and getting their inputs what to expect as the next step. Their marketing of our home was top notch and very professional from the photographs to the videos, they really did a nice job. And on top of all this they are a couple of really nice down to earth people. Thank You Joe and Terry for all of the work you put into getting our house sold, this is the first time we sold or bought a house where we did not have any hassles.
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- Tom McCreery
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Joe was great in helping is find the right home for us. He was very patient and knowledgeable about the area we wanted and helpful on buying our home and the legal process. Joe was always available to answer our many questions. We would not hesitate to recommend Joe and Terry to our friends.
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- Donna R. McDuff
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Joe’s initial presentation made me feel confident in his ability to represent our interests. I trusted his judgment and guidance from staging through closing. He was readily available and responded quickly to all my questions and concerns. I have no reservations recommending Joe’s services to friends, family, and others.
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- Steven A. Zeichner
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Joe, once again, did a great job selling our home. His service and knowledge was second to none.
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- James H. Gray, Trustee
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Joe Scattergood is awesome! His knowledge in the industry is unsurpassed and he is a dying breed of honest realtors. Always looking out for your best interest. Thank you Joe.
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- Renee Pelletier
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I've been working with Joe and Terry and I know that I can buy or sell a house my eyes shut with them.
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- Anne-Severine Lima Pimenta
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Good job. Very well handled from start to finish. Rating 10
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- Judith E. Cotter
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he is very good. thank you
"
- Weisi Dai
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not be used for any purpose other than to identify prospective properties
consumers may be interested in purchasing. Data last updated September 30, 2023 2:13 PM UTC
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating
