Agent Crate – Linen

Earnest Money vs Down Payment

Sat, 07 Mar 2026 23:08:36 GMT

EMD VS downpayment -

Two terms buyers confuse all the time, but not anymore.

One of the most common questions I get from buyers is the difference between earnest money and the down payment. Some people mistakenly use those terms interchangeably, but they are two completely different things that happen at different stages of the transaction. Understanding the difference matters, especially once you are under contract.

Let’s start with earnest money;

Earnest money is a good faith deposit that a buyer submits once the seller accepts their offer and the purchase and sale agreement is executed. The purpose is simple. It shows the seller that the buyer is serious about completing the purchase. When a seller accepts an offer, they are taking their property off the market. They are turning away other buyers and committing to a contract. Earnest money helps protect that decision while the buyer moves through inspections, financing approval, and the other steps required before closing.

In New Hampshire, that deposit is typically held in an escrow account until the transaction closes, and the terms governing it are outlined in the purchase and sale agreement.

Earnest money is not an extra cost. In most transactions, it is credited toward the buyer’s funds at closing. That means it often becomes part of the down payment or helps cover closing costs. I know I'm aging myself ;) but think if it as "layaway."

For example, if a buyer plans to put $40,000 down and they have already submitted $10,000 in earnest money, that deposit is typically applied toward the total amount due at closing.

Now let’s talk about the down payment;

The down payment is the portion of the purchase price that the buyer contributes at the closing table toward the home itself. The rest of the purchase price is typically financed through a mortgage lender.

The amount varies depending on the loan program. VA loans can allow qualified buyers to purchase with zero down. Conventional loans often fall somewhere between three and twenty percent.

Here is the part many buyers do not realize.

The purchase and sale agreement also outlines what happens if the transaction does not move forward. If a buyer terminates the contract within a protected contingency period such as financing, inspection, or appraisal, the earnest money is typically returned. If a buyer walks away from the contract without a valid contractual reason, the seller may have the right to retain that deposit.

Real estate contracts are full of details like this, and they matter. A lot.

Every line in a purchase and sale agreement serves a purpose. Understanding how those pieces work together is part of navigating a real estate transaction successfully.

If you are buying or selling in New Hampshire and want someone who understands these contracts inside and out, I am always happy to help.

Camille Craffey -United States Marine Corps Retired

REALTOR® Keller Williams Luxury
New Hampshire’s Antique Home Specialist

Section 106 of the National Historic Preservation Act

Sun, 28 Dec 2025 17:32:52 GMT

Why Section 106 Matters (and Why I Care So Much)

�� What is Section 106?

Section 106 requires that any project with federal funding, permits, or approvals take into account its effect on historic properties. Before making changes, agencies must pause to review and assess the potential impacts.

As an antique home specialist, I don’t just sell old houses , I help preserve the stories they hold. The National Historic Preservation Act of 1966 established a national commitment to protecting our historic and cultural foundations as part of everyday community life, with Section 106 being one of its key tools. Section 106 requires any project involving federal funding, permits, or approvals to consider its impact on historic properties, ensuring agencies pause to evaluate before making changes. This matters for everything from colonial farmhouses to early mill buildings and mid-century landmarks, helping safeguard character, craftsmanship, and community identity. It doesn’t halt development, but it does encourage thoughtful growth alongside preservation.

For me, this law is a safeguard that keeps our historic neighborhoods and homes standing today. Preservation isn’t about freezing time , it’s about honoring it. In a region rich with the roots of our Nation’s birth, we see the remnants of America’s earliest days all around us. For those who own, love, or dream of owning a historic home, understanding both the rules and the reverence is essential. History matters . L et’s protect it.

Why New Hampshire Homeowners Pay the Lowest Insurance in the U.S.

Wed, 22 Oct 2025 23:17:57 GMT

NH has lower natural disaster risks which directly impact insurance rates

As a New Hampshire Realtor® who works with buyers and sellers every day, I always keep an eye on the hidden costs of homeownership. One of the biggest, and often most overlooked expenses is homeowners' insurance.

Here’s some great news for Granite Staters- New Hampshire homeowners, pay the lowest insurance premiums in the entire country. According to a recent analysis published by Yahoo! Life, New Hampshire’s average annual homeowners insurance premium is about $1,002 and that’s $1,421 less than the national average of $2,423 ( Yahoo! Life ).

MoneyGeek’s research backs this up, noting that our state’s rates are consistently well below what most Americans pay. Their study highlighted that the affordability of insurance in New Hampshire stems from relatively low risk factors: fewer hurricanes compared to coastal states, less wildfire danger than the West, and crime rates that are lower than the national average ( MoneyGeek ). Other industry sources agree. Insure.com’s 2024 survey placed the New Hampshire average around $1,209 annually, which is still dramatically lower than the U.S. norm ( Insure.com ).

As a home buyer, when you’re running the numbers on affordability, every penny counts! While property taxes, utility costs, and maintenance vary from town to town, our state’s low insurance rates give New Hampshire homeowners a real financial advantage.

For families relocating from higher cost states like Florida, Texas, or California, this can translate into thousands of dollars saved over the life of a mortgage. That affordability makes New Hampshire even more attractive, whether you’re buying your first home, upgrading to something larger, or investing in a second property. Your money goes farther here in the "Live Free or Die" state.

The Rise of Front Yard Libraries Building Community, One Book at a Time

Fri, 01 Aug 2025 11:24:17 GMT

Little Libraries

10 Hidden Antique Home Features Most Buyers Overlook

Thu, 31 Jul 2025 19:22:13 GMT

Don't miss these!

The 10 Hidden Antique Home Features Most Buyers Overlook

By Camille Craffey | Antique Home Specialist, NH REALTOR® & Marine Veteran

Antique homes tell stories-if you know how to listen. As a New Hampshire REALTOR® with a passion for historic properties, I’ve toured, listed, and sold some of the most beautiful homes in New England. But even savvy buyers often miss the subtle, valuable features that set these properties apart.

Here are 10 antique features you should always look for-because charm is in the details.

�� The 10 Hidden Antique Features

1. Original Wide-Plank Floors
Hand-cut, 10”–16” pine or chestnut floorboards = irreplaceable craftsmanship. Check for handmade nails and natural bowing.

2. Wavy Glass Windows
These tell you the panes are likely 19th-century or earlier. Made by blowing and spinning glass-these add distortion, sparkle, and authenticity.

3. Gunstock Corner Posts
Thick posts where walls meet at an angle-used in timber framing before 1830. A hallmark of early colonial construction.

4. Beehive Ovens & Fireplace Bake Chambers
Often bricked over and forgotten, these built-in ovens are tucked into large hearths. Look for arches or small iron doors beside the main firebox.

5. Summer Beams
Massive overhead support beams that span long rooms. Look up-they’re typically hand-hewn with adze marks still visible.

6. Original Nail Hardware & Rosehead Nails
Don’t dismiss “rusty” nails-roseheads are hand-forged and square-shanked, often used before machine nails became standard in the mid-1800s.

7. Indian Shutters (aka Pocket Shutters)
These solid wood panels disappear into the walls beside windows. A pre-electricity solution for insulation and security.

8. Winder Staircases
A tight spiral or pie-shaped stair near the kitchen or rear entry? These tucked-away stairs were used by servants and are often original to the home.

9. Soapstone or Marble Sink Basins
Sometimes hidden in back kitchens or basements, these sinks are heavy, elegant, and perfectly patinated.

10. Bargeboard Trim & Scroll Cutwork
Found under eaves or gables-these hand-carved decorations add Gothic flair. True antique examples are cut with jigsaws from the 1800s.

�� Why These Details Matter

Buyers who understand antique architecture can uncover hidden value, avoid costly renovation mistakes, and preserve history. If you love old homes, knowing what to look for is just the beginning.

Let me help you discover the story behind your next address.

�� Want more antique home tips, listings, and restoration resources?
�� Visit www.camillecraffeyrealty.com
�� Or schedule a historic property consult at 603-682-6278

Why more people are saying "No to the Mow"

Wed, 21 May 2025 00:01:47 GMT

May the pollinators be with you!

�� Why “No Mow May” Might Just Be the Best Thing You Do for Your Yard This Spring

As the days grow longer and the snow gives way to green, something magical begins to happen across New Hampshire: the return of spring blooms, bees, and birdsong. But this year, more and more homeowners are making a bold choice. They’re putting their lawnmowers away and letting their grass grow wild.

Welcome to No Mow May, a grassroots movement that’s blossoming across the country and right here in the Granite State.

Originally started in the UK by the conservation group Plantlife, No Mow May encourages homeowners to hold off on mowing their lawns for the entire month of May. Why? It turns out that letting your lawn grow a bit shaggy can actually make a huge impact on our local environment, especially for pollinators like bees and butterflies.

In early spring, food sources for pollinators are scarce. Most flowers haven’t bloomed yet, and pesticides and development have already taken a toll on their habitats. But lawns left unmown can offer a buffet of early-season blooms like dandelions, clover, violets, and other native plants that bees and butterflies rely on to survive.

Here in New Hampshire, where our ecosystem depends on a delicate balance of native plants and pollinators, the timing couldn’t be more important. Participating in No Mow May is a small step with a big payoff. You’re giving native species a fighting chance, reducing your carbon footprint by skipping the mower, and maybe even discovering a new appreciation for your own backyard.

And don’t worry, this doesn’t mean you’re letting your lawn go forever. By June, you can shape things back up and even consider incorporating permanent pollinator-friendly areas with native wildflowers, low-mow zones, or bee-friendly gardens. But for now, giving your yard a break is one of the kindest things you can do.

If you're joining the movement this year, why not let your neighbors know what you're up to? I’ve created a set of printable lawn signs you can proudly display in your yard, with cheerful messages like:

“Pardon the Wild, We’re Hosting a Pollinator Party!”
“Bee-Friendly Zone: Grass is Growing for a Good Cause!”
“This Lawn’s on Vacation, Pollinators Welcome!”
“Let It Grow”
“Please Pardon the Weeds — We’re Feeding the Bees”

These signs are a fun and friendly way to spread awareness and get the whole neighborhood buzzing, literally.

More and more homebuyers are prioritizing sustainable features like pollinator gardens, edible landscaping, and native plants. No Mow May is a wonderful first step toward creating a yard that’s not only beautiful, but beneficial. And that’s something that adds both curb appeal and real value.

So this spring, give your mower and Mother Nature a break. Let your lawn bloom. Let the bees return. And maybe even inspire someone else to do the same.

�� Click here to download and print your No Mow May signs (PDF)

Whether you're new to the movement or a seasoned pollinator protector, your yard can help make a difference — one dandelion at a time.

Camille Craffey
Your Local NH REALTOR® | Marine Corps Veteran | Lover of Bees and Beautiful Yards

Blog Title: The High-Tank Toilet: A Flush from the Past

Tue, 13 May 2025 16:20:11 GMT

When selling antique homes across New Hampshire, it’s the small, historical details that tell the biggest stories, and this high-tank pull-chain toilet is a perfect example!

Dating back to the late 19th and early 20th centuries, this style of toilet was once the pinnacle of modern indoor plumbing. The elevated wooden cistern, connected to the bowl by a long flush pipe, used gravity to create a powerful flush. The pull chain (often made of brass or iron) was both functional and elegant, giving homeowners a sense of luxury and sophistication. In fact, this very setup was common in Victorian and Edwardian-era homes, a time when the transition from outhouses to indoor plumbing marked a major leap in domestic comfort.

What makes this fixture special today isn't just its functionality, it’s a living relic of history. The hand-crafted wood tank, the solid brass or copper piping, and the classic porcelain bowl with woodgrain seat all speak to an era where form and function were designed to last a lifetime.

In a modern world of one-piece plastic and chrome, the high-tank toilet stands tall-literally and figuratively-as a statement of charm, craftsmanship, and continuity with the past. For antique home lovers, it's not just a bathroom fixture-it's a conversation piece that keeps history flowing.

Whether you're restoring a Federal farmhouse, a Victorian cottage, or a Gothic Revival, details like this aren’t outdated, they’re elevated .

Because every home has a story-some even in the bathroom.

Camille Craffey, NH Realtor & Antique Home Specialist

Top 3 hiding places for squirrels in your home.

Wed, 23 Oct 2024 19:12:36 GMT

Got Squirrels? Don't worry, it's very common this time of year. Here are some solutions and preventative measures.

As a homeowner in New Hampshire, maintaining your property includes keeping an eye out for unwanted guests—squirrels. These small mammals are notorious for making themselves at home in your gutters, attic, and basement, especially in homes with fieldstone foundations. Here’s why it’s crucial to regularly clear your gutters of squirrel debris and thoroughly inspect your home for these furry stowaways.

Squirrel debris, such as nesting material, acorns and other food remnants, can clog your gutters. Blocked gutters lead to water overflow, potentially causing damage to your roof, siding, and foundation. Also keep in mind, the weight of accumulated debris after it becomes waterlogged, can strain and eventually damage your gutters. Over time your gutters may begin to pull away from the fascia board, or even become completely detached.

Attics provide a warm and cozy spot for furry friends. Be certain to look for chewed wires, shredded insulation, and droppings, and pat attention to scratching or scampering noises, particularly in the evening. Did you know, squirrels can squeeze through extremely small openings? Seal any potential entry points with durable materials like steel mesh. Check for gaps, holes, and chewed areas around vents, eaves, and rooflines, remember, they are sneaky!

Fieldstone foundations are common in antique homes, and often have gaps and crevices that can serve as entry points for critters. Use mortar or expandable foam to seal these openings and consider installing a sturdy mesh barrier around the base of the foundation.

How can you deter squirrels and other small mammals?

1. Trim Trees and Shrubs: Overhanging branches allow for easy access to your roof. Trim any tree or shrub at least six feet away from your home.

2. Install Gutter Guards: This prevents debris from accumulating in your gutters while allowing water to flow freely. They also deter squirrels from nesting by enclosing an already small space.

3. Use Repellents: Natural repellents like peppermint oil or predator urine can deter squirrels. Apply these around potential entry points and nesting sites.

So, you found a few "new tenants," now what? You can try to encourage squirrels to leave by creating an unfriendly environment. Bright lights, loud noises, and strong smells can make your attic or basement less inviting. High pitched chirping devices can be purchased at your local hardware store. Try installing one-way doors that allow squirrels to leave but not re-enter. Place them over known entry points after ensuring no babies are left behind. If all else fails, or you would rather hire a professional, they can safely and humanely remove the animals and provide additional preventive measures.

By addressing any infestations promptly, you can protect your home from damage. Stay vigilant and act swiftly to keep these furry invaders at bay. Squirrels are cute but can be costly when they decide to move in.

My Commitment to Your Seamless Relocation For Both Military Orders and Civillian Life

Sat, 17 Aug 2024 19:08:25 GMT

The Ultimate Guide to Remote Home Buying

As a Marine Corps Veteran and seasoned Realtor specializing in military relocations, I understand firsthand the unique challenges and stressors that come with moving to a new location—especially when that move involves purchasing a home remotely. My goal is to make your home-buying experience as smooth and transparent as possible, ensuring you feel confident and informed, despite the physical distance. Purchasing a home remotely can feel daunting, but with the right support, it is entirely manageable. Here’s how I’ve helped many clients, including those stationed across the country, purchase homes in New Hampshire with ease: I provide detailed video tours through comprehensive walkthroughs of potential homes, giving you a thorough look at each property. This involves more than just a quick glance— YES, I crawl into basements, climb into attics, and explore every nook and cranny, while offering raw and uncensored commentary. I offer genuine, unfiltered opinions throughout the video tours, and scrutinizing the home as if I were personally making the purchase. If there are any red flags or potential issues, I make sure to highlight them candidly. My aim is to ensure that you are fully aware of any concerns before making a decision.

My commitment to honesty means I don’t sugarcoat my observations. I meticulously open every cabinet, closet, and drawer to give you a complete view of the home. By documenting these details, I ensure that you are fully informed about the property's condition and features. Whether the property has potential issues or exceptional features, I describe them in detail. I want you to feel as if you are right beside me during the tour, experiencing the home as if you were physically present. Please know, my commitment to transparency means I don’t sugarcoat my observations- at all.. Whether the property has potential issues or exceptional features, I describe them in detail. I want you to feel as if you are right beside me during the tour, experiencing the home as if you were physically present.

Additionally, before we even discuss numbers, I provide a comprehensive comparative market report for any property you’re considering. This report helps you understand the local market conditions and how the property stacks up against similar homes in the area. As a local real estate expert, I offer valuable insights into New Hampshire’s market conditions, which may differ significantly from those in your current location. I want you to feel confident you are not over paying for a home! My goal is to prevent any surprises or regret after your purchase. I provide all necessary information so you can make a well-informed decision and avoid potential pitfalls.

Whether you’re stationed in California or any other part of the country, I ensure that the distance does not affect the quality of your home-buying experience. My remote services are designed to bridge the gap, making you feel as if you are right here with me and avoiding the dreaded feeling of buyer's remorse. Relocating and buying a home remotely can be challenging, but with my expertise and dedication, I strive to make the process as seamless as possible. My personalized video tours, honest evaluations, and thorough property analysis ensure that you make informed decisions without ever stepping foot in the home. My goal is to provide you with a smooth transition, allowing you to focus on settling into your new environment with peace of mind. If you’re preparing for a military relocation and need a reliable Realtor who understands the unique demands of remote home buying, contact me today. As your advocate, I am here to guide you every step of the way, because EVERY detail matters.

The Power of Scent: How Aromas Can Make Or Break Your Home Sale

Thu, 07 Mar 2024 17:48:15 GMT

Can you go too far with fragrance?

When it comes to selling your home, of course you want to create the most inviting atmosphere possible. One of the most effective ways to do this is through scent! Realtors have suggested baking cookies or breads to provide a "homey" sense for potential buyers, but can you go too far?

Choosing the right scent can mean the difference between a warm, inviting home, and one that causes buyers to run for cover. Start by using scents that are subtle and universal. Scents such as citrus, lavender, and soft vanilla are all great options. Many brands have also created "fresh" scents that provide a clean smell that is pleasing as well.

Once you have picked your scent, you can place multiple candles or plug-in scents throughout the home, as desired. I prefer use the same scent everywhere to create a scent story, and avoid bringing attention to the smell as people roam through the property. Again, less is more when it comes to scent. I often opt for a bouquet of fresh flowers to add a hint of fragrance, as well as color.

Avoid strong candles like cinnamon, "cookie" or "baking" scents, or even pine. You want to accentuate the ambiance of the home, not jar your guests. Strong or over powering smells, can cause headaches for some folks. Also, keep in mind, some people may have allergies, that's why fresh air through open windows, is always a great choice in any home. Bottom line, we never want to taste the air freshener, that will have the opposite affect.

By thoughtfully incorporating scented candles into your open house: strategy, you not only enhance the beauty of your home, but also create a memorable and positive experience for potential buyers, increasing the likelihood of an offer. And as I ALWAYS say, a picture is worth a thousand words, but you can't smell it. If it looks clean, and its smells clean, it's CLEAN, and who wouldn't want that quality in their next home?

Your Tax Refund Can Get You One Step Closer to Homeownership

Fri, 24 Apr 2020 19:14:00 GMT

Saving money each month toward a long-term goal is increasingly difficult for
most people. Even committed savers can get thrown off track when unexpected
problems or opportunities arise. It can be difficult to envision how $200 a month
can add up to a new home; the dream of home ownership continues to get
pushed back in favor of more immediate needs.

For many of these potential homebuyers, their tax refund can be a big step
forward in their saving goals. Received in a lump sum, a tax refund is easier to see
as a meaningful dollar amount. The average IRS refund in 2019 was almost
$3,000. This, added to an already growing savings account, can be a great bonus.
In addition to adding to your down payment fund, a tax refund can also be used
to increase your credit score. Debt accumulation and use is the largest factor in
determining a borrower’s credit score (FICO). A low FICO score can result in
thousands of extra dollars in interest and origination fees when getting a home
loan.

Working with a lender, strategically reducing the debt ratio can add
borrowing power to a potential buyer; lowering the cost of the loan and allowing
more of the monthly payment to go toward the home itself instead of interest.
It’s tax refund time. Before you head to the electronics store to put that money
toward a bigger TV, consider how your tax refund can help you achieve your
home ownership goals.

Say What? Home-Buying Lingo You Should Know

Wed, 09 Oct 2019 18:48:00 GMT

If you are a first time home buyer or even a repeat buyer, you quickly realize that real estate has a language all its own. Understanding some of the lingo can help you navigate the process a little easier. By learning a few critical terms, you will be in a better position to ask the right questions and make the best decisions.

These are just a few of the common terms used in real estate. If you are involved in a real estate transaction, learning a bit of the common lingo will help you understand the process better and make your home sale or purchase a smooth one.

Choosing the Right Offer

Fri, 12 Jul 2019 14:22:00 GMT

Congratulations, you have multiple offers on your home listing. It’s exciting to hear that you have a choice in buyers. Yet how can you make sure that you choose the right offer? With varying sales prices and terms, comparing offers might be harder than you expected. Still – it’s a great problem to have.

If you find yourself in a multiple offer situation, the first step is to meet with your agent to discuss each offer in detail. What are the actual differences? It’s easy to see what price they offer, but what about the other items – the terms, the financing, the contingencies.

Working with your agent, consider all the elements which go into an offer; then you’ll be in the best position to determine the best option for your financial goals, timeframes and needs.

Latest Kitchen Backsplash Trends

Fri, 12 Jul 2019 14:13:00 GMT

Summer is upon us and home designers are hard at work showcasing the upcoming trends for 2020. This year, kitchen design shows are filled with new materials, patterns and colors as enthusiasts look for the latest trends and styles.

As we leave the dark granite countertops behind, kitchens are getting lighter, brighter and more streamlined looks. These new backsplashes are design statement pieces in their own right, creating a uniquely modern feel to the space. With a focus on sleek surfaces and natural elements, here are the latest trends for kitchen backsplashes.

2020 design trends are contemporary and exciting. After years of cozy kitchens and dark woods, these kitchens are light and bright; mixing soft natural stone and wood with hard, urban features for a modern, functional kitchen that suits any home style.

Moving With Pets

Thu, 27 Sep 2018 17:56:00 GMT

Make the Move Easier on Your Furry Friends Moving day can be stressful on everyone. Regardless of how carefully you plan your move, the day itself is still filled with activity and unexpected issues which can cause anxiety. If you have pets, imagine how unsettled they feel as their environment is packed up and taken […]

#1 Reason Listings Expire

Thu, 27 Sep 2018 17:55:00 GMT

Nothing is more frustrating to a home seller than to have their home sit on the market without an offer. Selling a home is a big decision and an emotional one. By the time a homeowner determines the time is right to sell, they are ready to move. In addition, keeping a home show-ready is […]