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      Durham New Hampshire Real Estate Area Info

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      Consumer Credit information

      Credit and Identity Theft Information

      For a copy of your annual credit report according to the Fact Act, please visit www.annualcreditreport.com

      To receive a copy of Trans Union Credit Report www.transunion.com

      Call 1-800-888-4213

      Write TransUnion Consumer Relations
      ††† ††† ††† ††† ††† ††† PO Box 1000, Chester, PA 19022

      To dispute an item on a Trans Union Credit Report

      Call 1-610-546-4758

      ††† ††† ††† ††† ††† ††† Write TransUnion Consumer Relations
      ††† ††† ††† ††† ††† ††† ††† ††† ††† PO Box 2000, Chester, PA 19022


      To contact Experian www.experian.com

      Call 1-888-397-3742

      ††† ††† ††† ††† ††† ††† Write Experian
      ††† ††† ††† ††† ††† ††† ††† ††† ††† PO Box 2104, Allen, TX 75013


      To contact Equifax www.equifax.com

      Call 1-800-685-1111

      ††† ††† ††† ††† ††† ††† Write Equifax Information Service
      ††† ††† ††† ††† ††† ††† ††† ††† ††† Disclosure Department
      ††† ††† ††† ††† ††† ††† ††† ††† ††† PO Box 740241, Atlanta, GA 30374


      National Fraud Information Center 1-800-876-7060


      Opt Out Phone Number 1-888-5OPTOUT (67-8688)


      Credit Cards (Cardholders should also contact individual card issuers directly)

      ††† ††† ††† ††† ††† ††† ††† Visa USA 1-800-235-5520

      ††† ††† ††† ††† ††† ††† ††† MasterCard International 1-800-627-8372

      ††† ††† ††† ††† ††† ††† ††† American Express 1-800-843-2273

      ††† ††† ††† ††† ††† ††† ††† Discover 1-800-347-2683

      ††† ††† ††† ††† ††† ††† ††† Equifax- Fraud Assistance Department
      ††† ††† ††† ††† ††† ††† ††† ††† PO Box
      740256
      ††† ††† ††† ††† ††† ††† ††† ††† Atlanta
      , GA 30374
      ††† ††† ††† ††† ††† ††† ††† ††† 1-800-525-6285

      ††† ††† ††† ††† ††† ††† ††† Experian- Fraud Reporting
      ††† ††† ††† ††† ††† ††† ††† ††† PO Box
      2002
      ††† ††† ††† ††† ††† ††† ††† ††† Allen
      , TX 75013
      ††† ††† ††† ††† ††† ††† ††† ††† 1-888-397-3742

      ††† ††† ††† ††† ††† ††† ††† Trans Union- Fraud Victim Assistance
      ††† ††† ††† ††† ††† ††† ††† ††† PO Box 6790
      ††† ††† ††† ††† ††† ††† ††† ††† Fullerton
      , CA 92634
      ††† ††† ††† ††† ††† ††† ††† ††† 1-800-680-7289

      ††† ††† ††† ††† ††† ††† ††† Social Security Administration 1-800-269-0271

      DEBT EDUCATION AND COUNSELING

      ††† ††† ††† ††† ††† ††† ††† Consumer Credit Counseling Services of VT & NH
      ††† ††† ††† ††† ††† ††† ††† ††† 1-800-327-6778

      Other Helpful Websites Regarding Credit and Identity Theft

      www.consumer.gov/idtheft†††††† www.myfico.com††††††† www.ftc.gov/credit

      This information provided by Thomas Family Mortgage

      www.thomasfamilymortgage.com

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      Partners and Affiliates

      PREFERRED AFFILIATE PARTNERS

      LOCAL AFFILIATES

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      About Mariner Realty

      Mariner Realty can assist you in all aspects of buying and selling homes in the Seacoast area of New Hampshire. Durham is home to the main campus of the University of New Hampshire and is just 60 miles north of Boston. This ideal location is one hour to ski resorts and 20 minutes to scenic Portsmouth and the seacoast of Maine and New Hampshire.

      The public school system is recognized for the quality of its instructional programs and for the professional experience and expertise of its staff. The district is committed to a philosophy of individualized instruction and academic excellence. The Oyster River School District includes the towns of Durham, Lee, and Madbury.

      We are centrally located on Main Street in the heart of Durham Village, just across the street from the University of New Hampshire campus. Our great visibility makes our office a "drop-in" spot for Buyers seeking properties in the Seacoast Area of New Hampshire.

      Our experienced staff of seven full-time agents, on site Broker/Owner, and an on-site Webmaster enable us to provide the utmost in customer service.† We've invested in cutting-edge Internet technologies to make your home search as efficient and effective as poosible.

      History

      Gary Real Estate was started by Pat Gary, who was active in the Durham real estate market for over 27 years.

      In November of 2002, Pat passed away and left the company in the hands of her husband, Ron Gary, and sales manager, Richard Whitney. In July of 2003, Richard purchased the company, and it was renamed Gary-Mariner Realty and a year later, Mariner Realty.. We honor Pat's wish that Mariner Realty continue to deliver the highest level of professionalism, for which Pat was so well known. We are committed to service, to our clients, and our community.

      The staff of Mariner Realty has been in the business of providing real estate services to Buyers and Sellers in the Durham area for over 27 years. Our office is licensed in both New Hampshire and Maine, and the knowledgeable staff at Mariner Realty offer Seller representation, Buyer representation and complete Relocation Services. With a strong focus on customer satisfaction, we look forward to assisting you with courtesy and professionalism.

      The agents and staff of Mariner Realty came to the real estate profession from many different backgrounds and for many different reasons. Some were looking for a more flexible work schedule, others wanted to be more directly rewarded for their efforts. But from wherever we came from and for whatever reason, we all share a belief that "Home Ownership" is important to our community and our country. We encourage you to read an essay by Yelana Bonner which beautifully expresses this idea. We at Mariner Realty proudly provide home ownership services to our little corner of the world, and hopefully help to make the world a better place.

      Our membership includes:

      • National Association of Realtors
      • New Hampshire Association of Realtors
      • Strafford County Board of Realtors
      • Northern New England Real Estate Network (MLS System)
      • Real Estate Buyer's Agent Council (REBAC)
      • Greater Dover Chamber of Commerce
      • Durham Business Association

      For a free relocation package, contact us at:

      (603) 868-5600
      (603) 868-5414 Fax
      877-778-4279 Toll free

      Email us at Info@MarinerRealty.com or write to us at:

      Mariner Realty
      54 Main Street
      Durham, NH 03824

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      I WANT A HOUSE By Yelana Bonner

      Yelana Bonner, wife of Solviet physicist and peace activist, Andrei Sakharov, came to the United States in 1986 for delicate surgery and medical treatment for a heart condition. She stayed for six months before returning to the Solviet Union to rejoin her husband in exile. Before she left, she wrote an essay about America that appeared in The Washington Post and Newsweek.

      A part of the essay is excerpted here. It seems strange a Russian should write so eloquently about the American Dream, but Bonner does, because, I guess, she understands it so well.

       

      I maintain that Americans do not want war. What Americans want is a house. No matter their place on the social ladder, they want a house of their own. They want a house and the ground it stands on, that's all.

      The First Lady says that when the President retires, they will sell the house in which they lived before the Presidency. The children are grown, and the place is too big for them. So, they will buy a smaller house. A wonderful plan! The President doesn't want war, he wants a new house.

      I also want a house, in addition to my usual wants that everyone be together and healthy, and that there be no war. A house with enough land around it for me to plant flowers. I don't need a lot of bedrooms, just one for us and one for Mother, a guest room, and one more so that I'm always ready for our Grandchildren. And I'd like a room where I could at last spread out my books, and Andrei could make a mess.

      What nonsense I'm writing! I want a house! This is me, who should be counting the days, no, counting the hours of my freedom to do what I want.

      But you know, I'm 63, and I've never had a house. Not only that, I've never had a corner I could call my own. After the war we had a room in a communal apartment - there were 48 people in that apartment and only one toilet. I think the first time I was mistress of my own place was, well, it's hard to believe, it was in Gorky, while we were in exile. I do not want that.

      My Daughter has a house in Newton, Massachusetts. It makes me so happy to think that she has a house. Her family is caught up in our affairs, in our Gorky horrors and suffering. They have forgotten the pleasure of their house. I want them to go back to caring about it - it has done so much for them.

      I want a house. My dream - my own house - is unattainable for my husband and myself, as unattainable as heaven on earth. But, I want a house. If not for me, then for my son and his family in America. My son and I plan to buy one. And, I am learning many new things. The house should be near good schools. My Granddaughter is three, and schooling is not far off in the future. It should be in the suburbs - vacations are short, and a child should not have to grow up in a polluted city. It should be close to work - both parents have jobs and there is only one car. It should have a foundation and basement. I have never known such considerations to exist. It should have three bedrooms so my mother can be with them, or at least visit. And, it should have a studio. My Son, Alyosha, needs a workroom for his mathematics.

      A house is a symbol of independence, both spiritual and physical. Some own a tiny house, like a toy cottage with only the soil in their flower boxes. Others have lots of bedrooms, baths, and extensive lawns. The American feeling about his house expresses the main traits of Americans - the desire for independence and privacy. But that attitude gives rise to a third trait; "My house is my pride and joy."

      And from that comes, "My city, my state, and my country is my pride and joy." It is an attitude that is open, kind, and caring, both toward the house and everything it stands for - the soil in the flower boxes and the lovingly tended lawn, even if it's only three yards square. And I say, this shows that Americans care about the land in general, and about the whole world.

      I want, I want, I want. More than the children, I want a house. But, it's time for me to pack my bags. The children live here, I live over there. What difference does it make if Gorbachev and Reagan meet in June, or any other month? Americans don't want war, they want a house. I don't want war, I WANT A HOUSE.

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      Sellers Tips for Success

      Selling a Home

      When selling your home, there are no guarantees that a buyer will simply walk through the front door. In many cases, you may have to bring your home to the buyer. Effective marketing will help ensure that your property receives maximum exposure to attract a ready, willing and able buyer.

      The appearance of your home, a buyer's first impressions, and other considerations can also affect the sale of your home. Be sure to explore tips for increasing your home's value. Have you considered that home prices in your neighborhood and the value of your property are also factors used for pricing your home?

      When you work with a Mariner Realty Professional, you can count on a specialist who can answer your questions, apply his or her in-depth knowledge of current market conditions, and access extensive resources that can expedite the sale of your home.

      Increasing the Value of Your House

      When you're preparing your house for sale, remember the importance of first impressions. The market isn't the only factor that influences whether you get your asking price. Appearance and overall condition play a major role. Here are some easy things you can do to make your home more appealing to buyers.

      Outside:

      It is estimated that more than half of all houses are sold before the buyers even get out of their cars; so stand across the street from your house and review its curb appeal.

      • Sweep front walkway.
      • Remove newspapers, bikes and toys.
      • Park extra cars away from the property.
      • Trim back the shrubs.
      • Apply fresh, clean paint throughout.
      • Clean windows and window coverings throughout.
      • Keep plumbing and all appliances in working order.
      • Maintain all sealants (window, tub, shower, sink, etc.) in good condition.
      • Make sure roof and gutters are in good condition; no repairs needed.
      • Mow the lawn more frequently and plant flowers.
      • Keep pet areas clean.

      Inside:

      • Kitchen and bathroom should shine.
      • Quick once-over with the vacuum; carpets should be clean.
      • Place fresh flowers in the main rooms.
      • Put dishes away, unless setting a formal display for decoration.
      • Make beds and put all clothes away.
      • Open drapes and turn on lights for a brighter feel.
      • Straighten closets.
      • Put toys away.
      • Turn off television.
      • Play soft music on the radio/stereo.
      • Keep pets out of the way and pet areas clean and odor-free.
      • Secure jewelry, cash, prescription medication and other valuables.
      • Enhance the spaciousness of each room. Pack away collectibles to allow buyer to envision own furnishings in home.

      Important Reminders:

      • Potential buyers usually feel more comfortable if the owners are not present.
      • If people unaccompanied by an agent request to see your property, please refer them to your real estate professional for an appointment.
      • Leave a number where you can be reached if you are leaving town, even for a weekend.

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      Oyster River Cooperative School District

      Serving the New Hampshire communities of Durham, Lee and Madbury; proximity to Boston, the Atlantic shoreline, the Lakes Region and White Mountains provides access to an array of cultural and educational resources.

      The Oyster River School District, established in 1954, is one of the oldest cooperative districts in the state. From its small beginning serving 661 students in one facility, the district has grown to nearly 2400 students educated in four schools. While the district is made up of three separate towns, it is a single political unit that operates under the rules of RSA 40:13. This means that the District votes by official ballot rather than the traditional "town meeting" form of government. All of the registered voters in the three communities make up the legislative body that elects a seven-member school board to govern the district.

      Oyster River has a long history of providing excellent educational opportunities for its students. It was recently recognized by "offspring" magazine as one of the 100 top school districts in the United States. The Oyster River community is committed to and supportive of quality education. This commitment and support has helped the district recruit and maintain an excellent teaching staff and outstanding administrative leadership team.

      THE CHALLENGE TO EXCEL - The ORSD Philosophy:

      "Individualized instruction will be expected to meet the academic, emotional, physical, and social needs of each student. Its implementation in the classroom will help to provide for the uniqueness of each student, his/her particular learning style, talents, and potential..."

      Elementary Schools
      Grades Kindergarten - 4
      Mast Way - Lee

      David Michaud, Principal: 659-3001
      Moharimet - Madbury
      Dennis Harrington, Principal: 742-2900

      Oyster River is served by two elementary schools housing children in kindergarten through grade 4. To enroll in kindergarten children must have attained the age of five (5) by September 30. The two schools are located in the towns of Lee and Madbury.. Students are generally assigned to the school in proximity to residence: however, exceptions are made to balance school enrollments.

      Oyster River Middle School
      Grades 5-8 - Durham

      Marcia Ross, Principal: 868-2820

      The Middle School is a dynamic learning environment specializing in challenging and meeting the needs of young adolescents (ages 10-14).
      At the heart of the school is a 20,000 volume media center. Students and teachers can readily access technology in a totally networked facility with both laboratory and classroom computer availability.

      Oyster River High School
      Grades 9-12 - Durham

      Laura Rogers, Principal: 868-2375

      Oyster River High School is home to approximately 750 students in
      grades 9-12. Having enjoyed a reputation for academic excellence since its beginnings in the 1960's, it attracts and keeps and exceptionally strong faculty that assumes leadership roles in state and regional professional groups. A distinct advantage is our close, collegial relationship with teaching and research staff at the University of New Hampshire.

      SCHOOL / COMMUNITY ORGANIZATIONS

      The School Board supports the volunteer activities of the organizations below as vital to the welfare of the community as a healthy place to live and grow. Your participation is encouraged.

      Home/School Organizations: Call Schools.

      Oyster River Youth Association (ORYA): Programs to "supplement and complement" school activities. Call 868-5150.

      WANT MORE INFORMATION?

      Visit www.orcsd.org,
      email colette@saw.orcsd.org,
      call (603) 868-5100 Ext. #20
      or write to SAU #5, 36 Coe Drive, Durham, NH 03824.

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      Join Us in a Profitable Real Estate Career!

      A career in real estate is one of the most personally satisfying careers you can have, and if you work hard and develop a good client base it can be extremely financially rewarding as well. The hours are long, but they are the hours you decide, not what someone else dictates to you. As you read this, there are more than five million people in the United States employed in identifiable real estate fields such as title insurance, construction, mortgage banking, property management, real estate appraisals, brokerage and leasing, and real estate development. In addition, many were engaged in corporate real estate and in real estate lending in commercial banks, savings and loans, and insurance companies where their jobs are not included in the real estate sector. Over a third of the world's wealth is tied up in real estate. Real estate is collateral for mortgages and a large amount of financial assets. As important as the field of real estate might be, it is also worth recognizing how interesting the work in this field is. Real estate professionals are tied to the development of our society in a very direct way and participate in decisions that will shape the way we live for centuries. Work in real estate is personally rewarding, ever-changing and challenging. Take some time and consider your potential in the field of real estate.

      Real estate agents and brokers are usually independent sales professionals who contract their services to real estate brokers in exchange for a commission-sharing agreement. There are over 400,000 real estate brokers and agents in the United States. To become a broker you must be at least 18 years old, a high school graduate and have passed a written test on property laws and real estate transactions. Most states also require 30-90 hours of classroom training.

      Here at Mariner Realty we are a small full service residential real estate company, located in the seacoast region of New Hampshire. Here is some more information about us.

      • Our agents are full time professionals, and while we are all independent contractors we foster a team atmosphere and help each other.
      • We have established working relationships with local developers.
      • Our management is on site to give advice and handle issues as they arise.
      • We have invested in modern technology to make sure we have the tools needed in today‚Äôs real estate business. They include high speed DSL internet access to each desk, general use office computers, free agent e-mail, advanced company web site, a web presence on several local and national sites, free voice mail, custom made web based visual tours on our residential listings, and talking house transmitters. Our web site was designed and is maintained in-house so it is always up to date.
      • Our training is complete with all associates receiving education in both group settings and one-on-one. As the broker I have been teaching and facilitating real estate training in northern New England for over 10 years.
      • New agents will receive daily instruction, goals assessment, and feedback.
      • Agent marketing assistance program.
      • We have a superior office location, which generates new business.

      If you would like more information on real estate career or to just talk about the real estate business in general, please give me a call or email me so we can set up a time to get together. I would be happy to sit down with you and answer any questions you may have.

      Richard Whitney / Broker
      Mariner Realty
      54 Main Street
      Durham, NH 03824
      Office: 603-868-5600
      Fax: 603-868-5414
      Richard@RichardWhitney.com

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