Private septic systems are a way to recylce waste water and reintroduce it, all cleaned up, into the ground water.   There's  a science to it.  I grew up in a neighborhood where all the houses had private septic systems and it never was a problem for us.   Many of the homes I finance for people today have a private septic system.  This blog is meant to provide info to potential homeowners considering a  home with a private septic system.

Buying a house with a septic system?   Read about some of the things you should consider.  Check out this link from the State of NH...  http://des.nh.gov/organization/commissioner/pip/factsheets/ssb/documents/ssb-6.pdf   

 I am providing a copy of a message from NH's governer about energy efficiency programs.  Hope you find it helpful.  We can provide a rehab loan to a purchaser of a home so they can "finance" energy efficiency items like new windows, new furnace, insulation, etc.    We also can help current owners get cash out of their home to finance energy efficiency projects.

New changes in FHA approval of condos go into effect on 2/1/2010. 

The minimum credit score required by lenders seems to be increasing all the time.   Read about the history of the required credit score and what you can do to raise your score.

We've summarized the rules for the homebuyer tax credit for folks who purchase a home before May 1st....

Found a great deal on a house in need of repair?    Considering purchasing and financing repairs?    Read about rehab loans....

What a difference a couple of years can make!    Underwriting philosophies have changed considerably in the last few years making mortgage lending a more difficult and complex situation for loan officers and home financers. 

Generally, a credit score of 620 is needed to obtain a mortgage loan.  I like to provide the credit-challenged with a step by step guide to getting their credit score up!