Salt water fish are huge. I mean look at Moby Dick for instance. I guess it is because they have so much room to grow in perhaps. Or maybe everything tastes better with a little salt. mRegardless the stories are there. Here is a list of the ones that didn't get away to achieve New Hampshire State records. 

New Hampshire Official Verified Record Saltwater Fish Size









Atlantic Cod


98 lbs. 12 oz.

Isle of Shoals



Alphonse Bielevich

Black Sea Bass


2 lb.,14.88 oz.

Little Bay



Lucas Watson

Bluefin Tuna


962 lbs.

Gulf of Maine



Richard Green.



21 lbs.

Great Bay



Henry S. Krook

Chinook Salmon


19 lbs. 4 oz.

Exeter River



Brian O’Connell

Coho Salmon


16 lbs. 3 oz.

Piscataqua River



Perry R. Soroko



31 lbs.

Gulf of Maine



Richard F. Hincman

Grey Triggerfish


2 lbs. 1.12 oz.

Piscataqua River



Timothy D. Moore, Jr.



10 lbs. 10.75 oz.

Gulf of Maine



George R. Koster



3 lbs.

Gulf of Maine



Donald F.X. Angerman



47 lbs.

Atlantic Ocean



Noborv Murakami, MD

Striped Bass


60 lbs.

Great Bay



Robert A. Lindholm



9 lbs. 0.06 oz.

Hampton Harbor



Marc Schloss

Winter Flounder


3 lbs. 3.68 oz.

Hampton River



Mike Radziszewski


(updated April 27, 2017)

Weird Homes in the World

Every Home Has Story

I see a lot of homes in every style and every shape and size --just like the people behind their stories. 

In my NYC advertising days with Jerry Della Femina  I created perfect for a home equity loan ad for Chemical Bank in NYC and found the perfect house--one house in the shape of a shoe. 

It was called the Haines Shoe House built by a successful shoe salesman named Mahlon Haines (a.k.a. the ‘Shoe Wizard’. He gave one of his work boots to an architect and told him to “build me a house like this”.  And so it began. Built in 1948 or so a stucco-covered timber-frame building had stained glass windows with shoe designs in them. The top of the house from the heel reaches a height of 25 feet. The toe contains a living room, the heel contains the kitchen. Two bedrooms are in the ankle, and an ice cream shop was located in the in-step. So many stories about this house CLick here for more info on this wonderfully weird shoe home

Here is a wonderful video of many strange homes around the world--

So what is your story for your house--it is a story that can be cherished for generations to enjoy--even new buyers. 



Photo Credit: By Eliott, Joseph -, Public Domain,

The healthy market during an unhealthy pandemic.

Life on a quiet lake got crazy during an open house. 


In New Hampshire things are nutty. I had an open house on a wonderful waterfront home in Northwood New Hampshire and over 250 people showed up. 15 offers well over asking waiving everything from inspections to covering significant appraisal gaps.

With inventory down over 50% and prices up as high as 113% and days on market down by up to 66% and in some places People say to me it must be great for me as an agent--well it is only better for sellers.

So here are some details on what is happening in this New Hampshire Real Estate market.

Take a look at the full story in New Hampshire here.


Current as of June 5, 2021.

All data from New Hampshire REALTORS®, Inc. and Northern New England Real Estate Network.

Report © 2021 ShowingTime.



Did the Pandemic Create Demand for Waterfront or Second Homes in New Hampshire


I have never seen a frenzie for waterfront buyers like I have seen in this real estate market. New Hampshire has for the last few years had low inventory. The change is that the Pandemic has created a demand. 

What's good for a seller is so tough for the buyers. And buyers are buying properties sight unseen, paying way over asking, waiving inspections or putting huge concessions on appraisals. Not necessarily the best for the buyer really.


We can talk about the migration trends. Are people flocking here like the birds in Spring. Or are they here to stay. Sellers think everyone from NYC are moving here. Or even Boston because they can now ZOOM up and work from a new home outside of the city. In reality the migration is real in every metropolitan area but really to the surrounding burbs. Manhattanites have moved to Brooklyn or their place in the Hamptons or Jersey City and Florida. That migration actually isn't the case so much.

I am seeing more buyers from Connecticut, New Jersey and Rhode Island and always from the Boston Area. 20 years ago, I moved here from Boston after living in Manhattan and CT for the same reasons people are coming here now. It was right after 911. I needed a life change then--but then my business at the time did not require me going into an office as I was a designer working from home. I also didn't need to be paying over $2,000 per month plus parking in rent. I bought my shack on a lake for $144k—way cheaper than rent-though I discovered what “seasonal” meant when I moved in on a day in January. It just is not too comfortable with single paned widows and little to no insulation. I had two pair of rose colored glasses on—however I also knew how to use a hammer. Apparently not any electrical tools as in the first week I blew out my computer TV and answering machine not following all the directions from my Home Depot Renovation Book.

I believe the pandemic has fast forwarded a trend that was happening already. People wanting more space. Home offices. and everything delivered. Have you seen the Malls--they are empty.

I have heard that 50% of the workers in Boston are simply not going back to an office. In the same respect I have heard that 4 Million people in this country last month have chosen simply not work at all. Not sure how that works--really for anyone or any business. I see so many signs everywhere looking for workers, with signing bonuses and way higher than minimum wage.

The frenzie I am seeing are really those who have money looking for a place they can reconnect with nature. That is what a waterfront has always been about. Most of the buyers I see are still buying a waterfront home for a second home and increasingly for a second income with hopes of gaining the VRBO or AirBNB world. I saw a 525k average house on a small average lake go for 680k in an area that never saw these kind of prices. There were at least 60 showings every 15 minutes, everyone wearing masks, and at least 23 offers mostly cash which meant there were 22 buyers going on to the next one. It did have $39,000 in rental income already in place for the summer. Amazing.

I caution buyers to think about what they are buying and the true value of it for renters to want to rent. Just like in Real Estate, Location Location Location. Turnkey is Key. And now you may need to contend with neighbors and towns restricting it.

So how long will this frenzie last? For me I see the demand staying in place. Again I am mostly talking waterfront homes. You can see on in the section on "New Listings This Week" or plug in and see properties already pending within days.

In the end it is always worth living on the water.


Investing in NH is a Safe and Healthy Bet


Investing in NH is a Safe and Healthy Bet

Having lived in New York City and Boston I have seen the dark side of living close to millions of people. I have traveled all over America, and found that New Hampshire has all the best of everything I love in life natural beauty, mountains, lakes, trees, the ocean as well as charming and historic towns. Between every town you visit you drive past lush forests, stunning views, and mountain vistas. After all, NH is covered by 86% trees with a population of just over 1.2 million people. Is it all that fresh air with 1300 lakes and beautiful country roads that calm people down. Some of the most beautiful waterfront estates in the world are here for far less than what you would spend in other New England states.

Take for instance the estate at 337 Camelot Shores in Farmington on 3 acres with over 1260 ft of shore land on 3 acres, a main house guest cabana finished barn and lush mature gardens. And who need to leave this sanctuary when you can ZOOM in style. You are close to 3 international airports, 90 minutes to Boston.

337 Camelot Shore Estate     

 Millions of Americans have relocated in 2020 because of COVID-19. New Hampshire was the beneficiary of families wanting to move here from the surrounding states as seen by the surge of new students in the schools. Family and the natural environment are major reasons people move to stay in New Hampshire. Many second homes became primary homes.The 2020 Atlas Van Lines Migration Patterns Study found of their moves to New Hampshire there was a 61.6% rate of people moving here to stay, the top two highest rate in the country.  And why not.

New Hampshire is ranked America's Safest state.

For three years in a row New Hampshire was listed as the best state to live in*.

The lowest crime rate Top State for Quality of Life by based on FBI Crime Data.

There is no income tax or sales tax.

Top two in Overall Child well being*

Highest rate high school graduation in New England at 93.5% **

Lowest rate of births among teenagers in the country. 

New Hampshire's high level of peace may be a reflection of its superior economic conditions.

Only 4.7% of state residents are living in poverty the lowest rate in the country.

New Hampshire has one of the lowest unemployment rates in the country at 2.6% a strong job market.

One of the lowest rates of income inequality rate.

New Hampshire ranks first for Crime & Corrections, 2nd for Natural Environment, 3rd for Opportunity***


All these factors I believe make NH such a safe bet.

Visit for more info.


* Annie E. Casey Foundation ** *** US News & World Report

List of towns in each county of New Hampshire

Below are links to every town website for every County in New Hampshire to get very detailed info on each town.

Feel free to contact me with any questions on properties in any town. Thank you

The towns of Belknap County NH


Alton l Barnstead l Belmont l Center Harbor l Gilford l Gilmanton l Laconia l Meredith l New Hampton

Sanbornton l Tilton


The Towns of Carroll County NH


Albany l Bartlett l Brookfield l Chatham l Conway l Eaton l Effingham l Freedom l Hale's Location l Hart's Location

Jackson l Madison l Moultonborough l Ossipee l Sandwich l Tamworth l Tuftonboro l Wakefield l Wolfeboro

Towns of Cheshire County NH





Towns of Hillsborough County NH


Amherst  l Antrim  l Bedford  l Bennington l Brookline l Deering l Francestown l Goffstown l Greenfield l Greenville l 

Hancock l Hillsborough l Hollis l Hudson l Litchfield l Lyndeborough l Manchester l Mason l Merrimack l Milford l 

Mont Vernon l Nashua l New Boston l New Ipswich l Pelham l Peterborough l Sharon l Temple l Weare l Wilton l Windsor

Towns of Rockingham County NH


Atkinson l Auburn l Brentwood l Candia l Chester l Danville l Deerfield l Derry l East Kingston  l  Epping l Exeter 

Fremont  l  Greenland l Hampstead l Hampton  l Hampton Falls l Nottingham  l Portsmouth  l  Kensington  l Raymond 

Kingston l Londonderry l New Castle  l Newfields l Newington l Newmarket l Newton l North Hampton l Northwood  l Plaistow

 Rye  l Salem l Sandown l Seabrook l South Hampton l  Stratham l Windham

Towns of Sullivan County NH


Acworth l Charlestown l Claremont l Cornish l Croydon l Goshen l Langdon l Grantham l Lempster l Newport l Plainfield l 

Springfield l Unity l Sunapee l Washington

Towns of Merrimack County NH


Allenstown l Andover l Boscawen l Bow l Bradford l Canterbury l Chichester l Concord l Danbury l Dunbarton l Epsom l Franklin l

Henniker Hill l Hooksett l Hopkinton l Loudon l New London l Newbury l Northfield l Pembroke l Pittsfield l Salisbury l

Sutton l Warner l Webster Wilmot

Towns of Strafford County NH


BarringtonDover l Durham l Farmington l Lee l Madbury l Middleton l Milton l New Durham l Rochester l Rollinsford l

Somersworth l Strafford

Towns of Grafton County NH


Ashland l Bethlehem l Bristol l Canaan l Enfield l Hanover l Lebanon* l Lincoln l Lisbon l Littleton l Mountain Lakes

North Haverhill l North Woodstock l Plymouth l Woodsville

Towns of Coos County NH


Berlin l Carroll l Clarksville l Colebrook l Columbia  l Dalton l Dummer l Errol l Gorham l Jefferson l Lancaster l Milan
Northumberland l Pittsburg l Randolph l Shelburne l Stark l Stewartstown l Stratford l Whitefield

Lakes Region of New Hampshire Towns and Lakes

Here are addresses, numbers and links to information for the towns in the Lakes Region of New Hampshire. For more information please feel free to call me anytime on specific events. I have also listed the lakes in each town


Town of Alton

PO Box 659
Alton, NH 
(603) 875-0102

Half Moon, Hills Pond, Sunset Lake, Winnipesaukee


Town of Alexandria

47A Washburn Road

Alexandria, NH 03222

(603) 744-3288

Newfound Lake


Town of Ashland
PO Box 517
Ashland, NH 
(603) 968-4432

Big Squam, Little Squam


Town of Belmont
PO Box 310
Belmont, NH 
(603) 267-8300

Silver Lake


Town of Bridgewater

5 School Street,

Bristol, New NH 03222

(603) 744-3354

Newfound Lake


Town of Bristol

5 School Street,

Bristol, New NH 03222

(603) 744-3354

Newfound Lake


Town of Center Harbor
PO Box 140
Center Harbor, NH 
(603) 253-4561

Squam, Waukewan, Winnipesaukee, Winona


Town of Gilford
47 Cherry Valley Road
Gilford, NH 
(603) 527-4700



Town of Gilmanton

503 Province Road

PO Box 550

Gilmanton, NH 03237

Crystal Lake, Sunset Lake


Town of Holderness
US Route 3
Holderness, NH 
(603) 968-2145

Squam, Little Squam, White Oak

Town of Laconia 
45 Beacon Street East

Laconia, NH 03246

(603) 524-3877

Opechee, Winnisquam, Winnipesaukee


Town of Meredith
41 Main Street
Meredith, NH 
(603) 279-4538

Pemigewasset, Waukewan, Wicwas, Winnisquam, Winnipesaukee


Town of Moultonborough
PO Box 139
Moultonborough, NH 
(603) 476-2347

Kanasatka, Squam, Winnipesaukee


Town of New Durham

4 Main Street

New Durham NH 03855

(603) 859-2091



Town of New Hampton
6 Pinnacle Hill Road
New Hampton, NH 
(603) 744-3559

Pemigewasset, Waukewan, Winona


Town of New London

375 Main Street

New London, NH  03257

(603) 526-4821

Pleasant Lake, Sunapee


Town of Sunapee

23 Edgemont Road 

Sunapee, NH 03782

(603) 763-2212

Lake Sunapee 



Town of Tilton
257 Main Street
Tilton, NH 
(603) 286-4521

Silver Lake, Winnisquam, Winnipesaukee, 


Town of Tuftonboro
PO Box 98
Center Tuftonboro, NH
(603) 569-4539

Dan Hole Pond, Lower Beach Pond, Mirror Lake, Winnipesaukee


Town of Wolfeboro
84 South Main Street
Wolfeboro, NH 
(603) 569-8161

Beach Pond, Crystal Lake, Mirror Lake, Rust Pond, Sargent's Pond, Wentworth, WInnipesaukee

NH Bills and Regulations impacting Waterfront Homes and Lakes

NH Bills impacting Waterfront Homes and Lakes

Septic Inspections 

House Bill 426 relative to shoreland septic systems is strongly supported by NH LAKES as an opportunity to improve water quality in New Hampshire’s lakes by identifying underperforming and uninspected septic systems. The proposed bill requires assessment at the time of sale for certain septic systems on properties within the developed waterfront. The bill would require inspection of septic systems installed prior to the state permitting process, or systems whose approval is over 20 years old, and copies would need be filed with the local health official and the New Hampshire Department of Environmental Services.

Information on this provided by NH Lakes 

Michelle Davis, Advocacy Program Coordinator

Buying a Home. What is a Mortgage

In New Hampshire purchasing a home is pretty easy. All the forms are State approved forms. Once both parties sign the purchase and sale form it becomes a contract.  No back and forth really. Now the fun begins. 

As a first-time homebuyer, or even a buyer who hasn't bought a home in a while, you might be confused or even bewildered by the mortgage process and its many moving parts. I finally bought a new house after being in the real estate business for over 10 years and experienced what I was putting my buyers through. WOW. The information you are being asked to provide can seem insane. A loan processor's job is to collect all the info from you in order to be able to present everything to underwriters who will sometimes ask for even more documents 

Here's what you need to know about what a mortgage is and how it works for all parties  

Whether you are buying a house in the White Mountains, a waterfront in the Lakes Region or or a condo in Portsmouth, it is a big decision. From start to finish, Each type of property has its own set of needs. Is it seasonal camp or year round home.  DOes it include an association or on a private road with no formal road maintenance agreement. Is it. mobile home or a modular home.

It can take a year or more to plan, save for a downpayment, find a lender, and then to find and make an offer on the house you want to buy. In a market where inventory is so low, being prepared is more important than ever. 

  Mortgages for home sales. Buying Real Estate in NH  Buying a home in New Hampshire


Before you get ahead of yourself, first things first, understanding what a mortgage actually is and how it works i sso important. In short, a mortgage is a loan from a lending institution to cover a home's purchase. The bank or lending institution holds the note for the house as collateral for the loan. The mortgage is also called a "lien against property," or sometimes referred to as a "claim on property."
You can start by using an online mortgage calculator, or visit with your bank or another mortgage lender so you'll know what you can afford in terms of a mortgage payment. This will also help you understand how much you may need to save for a downpayment. 

A mortgage loan has three components:
Principal: The principle is the difference between the home's final purchase price and the amount of your down payment. For example, if you provide $20,000 as a downpayment for the home you plan to buy for $200,000, your principal loan amount would be $180,000. On an offer it would show as a 90%LTV or "90% Loan to Value"

Interest: The loan's interest is what you pay the bank or lender in exchange for providing and servicing the loan. This amount is based on the loan's interest rate, which will vary depending on the term (length of time) and type of loan. 
Downpayment: The downpayment is the amount you pay upfront, at the time of the purchase transaction, as your direct financial interest in the home.
As you make regular monthly mortgage payments, each payment includes the monthly interest on the outstanding loan balance and an amount that pays down the principal. When your principal amount is high at the beginning of your loan, most of your monthly payment goes to paying off interest. Pay additional money Toward Principal can save big time. I can't recommend enough to make payments toward principal every month. For instance making just one payment toward principal each year will cut payments from 30 years to 17 years.  The first 7 years is really mostly just interest. 

Additional costs first-time homebuyers often include in a mortgage payment. 
As a homeowner, you are responsible for costs in addition to your mortgage payment, such as property taxes, homeowner's insurance, and possibly private mortgage insurance. Some people choose to tie these payments into their mortgage, rather than make separate payments. The bank then makes an all-inclusive payment to ensure the homeowner stays current on these obligations.
Property taxes: Your county and municipal government assess property taxes on your home and land, which go to fund schools, roads, and other local government services. 
Homeowners Insurance: You can purchase homeowner's insurance through an insurance provider of your choice. This insurance covers most or all of the cost if you experience major property damage or a loss, such as roof damage from a storm or to repair or rebuild after a fire. Your lender will require you to have homeowners insurance and that you pay one years policy in advance, Then part of your mortgage payment will include a prorated amount so when the renewal comes up the money is there to pay. 
Private mortgage insurance (PMI): If your down payment is less than 20%, your lender may require you to have private mortgage insurance until you have acquired 20% equity in your home, usually meaning you’ll need to pay off 20% of the original home loan.. This insurance protects the lender in case you default on the loan. 
There are many types of mortgage lenders and many types of mortgages. 
Know that you have options. You can – and should – shop around for the best rates and payment plans. You may even be able to find programs that eliminate PMI requirements or allow you to purchase the home without a downpayment. 

Mortgages fall into two basic categories: Fixed-rate or adjustable-rate. 

Fixed-rate and adjustable mortgages are the basis for specific loan programs. 
A fixed-rate mortgage maintains the same payment of principal at an interest rate set for the loan term. Lenders offer these mortgages for either a 30-year term or 15-year term. On a 30-year fixed-rate mortgage, you will pay more over the loan's lifetime because you will be paying interest for the life of the loan, but the monthly mortgage payment will remain the same as long as you have the loan. On a 15-year fixed-rate loan, your monthly payments will be higher, but more of each payment applies to the principal to pay off the home in 15 years. The total amount of interest you pay will be less.
An adjustable-rate mortgage (ARM) has an interest rate that is subject to change over the loan term. An ARM usually carries a lower interest rate for the first few years but then adjusts after a set period, typically five years, to a new rate tied to market interest rates. A first-time homebuyer may benefit from a lower mortgage payment for the first few years, but faces the risk that the rate will increase when the adjustment date comes around.


Below are some government backed loan programs. 
For borrowers who qualify, a Federal Housing Administration loan or FHA loan allows for a low down payment, typically requiring only 3.5%. This can be a great option for many first time homebuyers or homebuyers that have little in terms of a downpayment. However, because you are not making a standard downpayment of 20%, your lender will require you to pay for PMI. (Private Mortgage Insurance) Know that if you have passed the 20% toward loan that a lender will never just stop charging it so it will be on you to make sure they do.  An increased value in a property could play into it as well. 

A Veterans Affairs or VA loan is offered to anyone who served or is currently serving in the U.S. military. You must have served 90 consecutive days during wartime, 180 consecutive days during peacetime, or six years in the reserves to qualify. These loans typically require no down payment and do not carry PMI requirements, and come with a reasonable interest rate. Know that 

Buyers in rural areas may qualify for a U.S. Department of Agriculture or USDA loan. These loans also do not require a downpayment. They have reasonable interest rates, and your income and location will determine if you qualify. 

What you should know is that any of the Government loans above have strict guidelines on the condition of the house being purchased. For instance the home being purchased has to have no peeling paint, the roof in good condition and structurally good shape. I have run into situations where the demand was made to paint any peeling paint even though it was in the middle of the winter--clearly not acceptable. 


Since the financial crisis of 2008 the appraisal process has dramatically changed--and I find sometimes astounding. When you apply fo rthe loan the lender will "order and appraisal".  That order goes to an appraisal service who will send out th ejob to a list of appraisers. However after that point the ONLY person who will have any contact is the listing agent waiting for a phone call to set up a meeting to show the property. Neither the lender, buyer, seller, realtors or can have any contact after and all are waiting for the appraisal to come in. I have experienced that deadlines are not adhered to especially the date stated for an approval for the financing. This can create all kinds of issues.  2020 and 2021 saw the highest number of sales and refis ever making it difficult to even get an appraisor. So be patient. 

A mortgage is a big commitment. When you understand how it works and what options are available to you, you are in a good position to start talking to lenders as you shop around to find the loan option that best suits your individual circumstances. I suggest using local lenders who also know the market. 

For some suggestions on lenders to contact Click Here




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    New Hampshire Record Sales in 2020


    This just came out from the NHAR on Sales of homes in New Hampshire for 2020. It was the highest growth ever with days on market significantly lower and Prices higher and still a good time to sell. Waterfront Homes always fare better as well. 

    Please call so I can show you what I can do for you. 


    January 8, 2021

    2020 a record year in NH housing market

    The year 2020 was an historic one in terms of New Hampshire home sales, as single family residential unit sales, median price and sales volume hit all-time highs while inventory and supply hit their lowest marks in at least 16 years.

    The median price for single family residential properties in the state was $335,000, a 12 percent jump from the previous high-water mark of $300,000, which came just the year before, in 2019. It was the ninth consecutive year of year-over-year median price increases in New Hampshire and the largest single-year jump since NHAR began tracking median price in 1998.

    Here are a few additional noteworthy data points from the year-end report:

    • Inventory continued to dwindle in 2020. Months supply, meaning the number of months it would take to sell off current inventory at the average rate of sales for the last 12 months, dropped to 0.9 months in December, a 59 percent drop since December 2019, while last year’s average was 1.8 months (a 43 percent decrease). Those are the lowest numbers in that category since NHAR started tracking it in 2005.
    • The 18,449 single family unit sales was a 4.6 percent increase from 2019 and marked the first time the state has sold more than 18,000 homes in at least 23 years.
    • Every month in 2020 saw a single family residential inventory decline from the same month in 2019, and the 12-month average of 2,761 was 42 percent below last year and the lowest in at least 15 years. The 1,383 homes on the market at the end of December was the fewest in any month since at least 2005, and by comparison is roughly an eighth of the inventory that was on the market at the end of December 2010.
    • The total dollar volume of single family residential sales eclipsed the $7 billion mark for the first time, at $7.2 billion, more than $1 billion above the the previous high.

    For the complete December and year-end 2020 report, click here.
    For statewide and county level data from 1998 to 2020,
    click here.
    For fourth-quarter 2020 data, click here.

    Guide to Senior Living in New Hampshire

    Guide to Senior Living in New Hampshire

    As of July 2019, New Hampshire had just under 1.36 million residents, according to the U.S. Census Bureau. Approximately 18.1% of these residents were aged 65 and older. Although the total population of New Hampshire is expected to decline over the next 20 years, officials project that seniors will make up nearly 26% of the state’s population by 2040. The Granite State regularly ranks as one of the top states for older adults because it has the lowest percentage of seniors living below the poverty line. Seniors living in New Hampshire don’t pay state tax on their retirement benefits or monthly Social Security payments, making it an excellent place to retire.

    Due to its location in New England, New Hampshire has a relatively high cost of living. As a result, seniors can expect to pay higher costs for care than seniors across the country. As an example, assisted living in New Hampshire costs an average of $7,021 per month, which is nearly $3,000 per month more than the national average.

    This guide provides information about the different types of senior care available in New Hampshire, a look at the average costs of care and information about programs available to help seniors cover the costs of senior living in the state.


    For more information visit


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