Estimate Your Mortgage Affordability & Explore Financing Options

Find out how much home you can afford and get expert mortgage guidance from The Damon Home Team.

Consult current Municipal Tax Rates here.

Estimate Your Mortgage Affordability & Explore Financing Options

Find out how much home you can afford and get expert mortgage guidance from The Damon Home Team.

Consult current Municipal Tax Rates here.

Explore the Best Mortgage Options for Your Situation

Great for buyers with strong credit and a solid down payment. (5-20% down required)

  • Conventional Loans – Great for buyers with strong credit and a solid down payment. (5-20% down required)

  • FHA Loans – Perfect for first-time buyers with lower credit scores. (3.5% down required)

  • VA Loans – Exclusive benefits for veterans and active military. (0% down, no PMI)

  • USDA Loans – Ideal for rural homebuyers. (0% down, lower interest rates)

  • Jumbo Loans – Designed for high-value properties above conventional loan limits.

Start Your Home Buying Journey with Pre-Approval

Getting pre-approved gives you a competitive edge and helps you understand your buying power.

  • FHA First-Time Buyer Programs – Lower down payments and flexible credit requirements.

  • NH Housing Grants & Down Payment Assistance – State-funded assistance programs for eligible buyers.

  • VA Home Loans (For veterans & military families – $0 down!)

  • Tax Credits & Closing Cost Assistance – Government-backed programs to reduce upfront costs.

Have Questions About Home Financing?

We’ve Got Answers!

Here are some of the most common mortgage-related questions we receive.

1. How much should I save for a down payment?

It depends on the loan type—conventional loans typically require 5-20%, while FHA and VA loans require less.

2. What’s the difference between pre-qualification and pre-approval?

Pre-qualification is an estimate, while pre-approval means a lender has verified your financials.

3. How does my credit score affect my mortgage rate?

Higher credit scores usually mean lower interest rates. Aim for 700+ for the best terms.

4. Can I buy a home while still paying off student loans?

Yes! Lenders consider your debt-to-income ratio when approving loans.

5. How do I lock in a mortgage rate?

Once pre-approved, you can lock in your rate with a lender to protect against market changes.

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The Truth About Real Estate Agents: Why Choosing a Top Producer Matters More Than Ever

The Truth About Real Estate Agents: Why Choosing a Top Producer Matters More Than Ever

January 29, 20263 min read

You might’ve seen the viral chart floating around online claiming that 71% of real estate agents didn’t close a single deal last year. It’s bold. It’s scary. And it caught a lot of attention. But is it true?

Not exactly. That statistic didn’t come from an official report. It traces back to a comment made during an industry talk, where a Redfin executive casually mentioned that only 30% of agents are doing most of the business. But it wasn’t backed by formal data.

The truth is more nuanced. According to the National Association of REALTORS® 2025 Member Profile, only about 5% of residential agents reported zero transactions. Still, the buzz around that number highlights something important. There’s a real gap in this industry between agents who are actively working for clients, and those who hold a license but rarely close a deal.

That difference matters. Especially for you.


When you're getting ready to buy or sell a home, you're not just making a financial move. You're making a life decision. I’m Suzanne Damon, and I've spent years helping people all over Southern New Hampshire through these exact moments, whether it’s the excitement of buying your first home, the nerves of selling the one you raised your kids in, or the big leap into something completely new.

And here’s the truth I’ve learned: the agent you choose can either make that experience seamless, successful, and even joyful, or they can make it stressful and costly.

I’ve seen it happen. Someone hires a friend, of a friend or, a part-time agent who dabbles in real estate between other jobs. And when things get complicated, as they always do, that agent disappears, or worse, gives bad advice.

That’s not how we operate. At The Damon Home Team-EXP Realty, real estate isn’t a side hustle. It’s our profession, our passion, and our full-time commitment to you.

Why Experience Isn’t Just a Buzzword

When my team and I show up for our clients, we bring:

  • Deep knowledge of local neighborhoods and price trends

  • Hundreds of negotiations under our belt

  • Trusted connections with local lenders, inspectors, contractors, and so many others.

  • A comprehensive, concierge-style home-selling service that combines strategic pricing, expert staging, high-impact marketing, skilled negotiation, and full contract-to-close support to maximize your sale price while minimizing stress.

We don’t wing it or just hope the right offer comes along—we follow a proven, data-driven home-selling plan that we work daily and adjust as the market responds.

Proud to Be Among the Top 5%

In 2025, our team finished in the top 5% of agents and teams across the country. That’s not just a talking point. It’s based on doing real work with real people, day in and day out.

Here’s what that means for you:

  • Your home is marketed with intention, not guesswork

  • We guide you through every showing, offer, and step with confidence

  • You’ll always know where things stand, because we don’t leave our clients in the dark

Blog

Real Talk: What Happens When You Choose the Wrong Agent

Imagine your neighbor lists with their cousin who just got their license. The home sits for months. Price drops. Crickets. Meanwhile, our listings tend to move in weeks, not months, and usually right on target with price.

That’s not because we’re lucky. It’s because we know this market, we know what works, and we fight hard for our clients.

What to Ask Before You Hire an Agent

Here’s what I’d want my own family to ask:

  • How many homes have you closed this year?

  • Are you full-time or part-time?

  • What’s your list-to-sale price ratio?

  • What’s your plan for my specific situation?

If the answers sound vague or scripted, trust your gut.

My Final Word

You don’t need to panic over viral stats. But you do need to be intentional about who you hire. This market is complex. The stakes are high. You deserve someone who knows what they’re doing and will show up for you every single day.

That’s what we do at Damon Home Team. I’d be honored to help you take that next step.

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The Damon Home Team

The Damon Home Team is a top-performing real estate group specializing in buying, selling, and relocation services throughout New Hampshire. With a commitment to expert guidance, market-driven strategies, and a client-first approach, we help homeowners maximize their home’s value and buyers find their perfect property. Whether you’re looking for a fast cash sale, a seamless move, or expert investment advice, our team delivers results with integrity and professionalism.

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