Buying a home is a big investment, perhaps the biggest you will ever make. So it is natural to feel very nervous about the choices you are making when shopping for a home. Placing an offer may seem like a monumental decision, but in today's market you probably also fear hesitating and missing out on a great home to another buyer waiting in the wings. It makes you feel the pressure to leap and place an offer but also worry you are not thinking your decision through.

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If it is time to give your floors an update this spring, you may be wondering what new selections to make that will be beautiful and make your home look up-to-date with the latest trends. In other words, what are the fresh, most popular options to consider, and what are some benefits of one product versus another.

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Perhaps you have heard you can buy a home with less than 20% down payment, but you have no idea where to begin. You are not alone. Many first time buyers lack the savings that a 20% down payment requirement demands, and most of them- about 70 %- say they don’t know what other options are available to assist them.

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For sellers, you dream of that moment when a buyer will fall in love with your home and make an offer that you can agree upon. You may picture yourself in that moment ready to celebrate, until you start worrying what might happen during the home inspection.

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If your home has been on the market for few months and you have zero offers to show for all the showings, you should begin to question why. Maybe it’s the asking price or there are other issues that potential buyers see when they view the home, which sends them running. It may be time to sit down with your REALTOR and discuss what changes need to be made, what feedback they have received from buyers at showings, and if lowering the asking price is the next best step.

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A recent survey conducted by the National Association of REALTORS, showed that most buyers purchase a second home for their personal vacations or as a family retreat, not as income property they plan to rent out. Is this the year you plan to join the ranks and begin having the ultimate summer family vacations in your own New Hampshire vacation home?

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If you are hoping to buy a home this year, there is something you should know about your tax refund. Use it wisely and it can help make your mortgage terms better (score you a slightly lower interest rate) or help you look like a more serious buyer to home sellers (by increasing your down payment), perhaps take the bite out of closing costs, or maybe cover your moving expenses.

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Whether you want to admit it or not, if you are in the baby boomer generation, your needs for a large property may no longer exist. If the kids have moved out and you are left with a large home, empty bedrooms, and a lot of upkeep, it may be time to downsize.

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Q. Is winter a good or bad time to sell our current home and purchase a new home?

A. Overall, winter is a good time to sell or buy.For sellers, inventory can be scarce, leading to higher demand, which can result in multiple offers. Buyers are more intent, as they have less choices and typically have a serious need to move without delaying to warmer months.

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The Baby Boomer generation is described as being born between 1946 and 1964 and they are a powerful generation of home buyers. Statistically, Baby Boomers account for 31 percent of the home buying population. They are a generation who were taught the value of working hard and they remember what life was like before the internet and doing just about everything from your cell phone.

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