Buying a home can be a long and challenging process, but if you know the steps to take, prepare in advance, and work with a Realtor® that knows the local market, the process can be much less stressful and your chances of success much greater.
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Copyright 2016 - Adirmont Real Estate, LLC All rights reserved.
Agency Relationship Disclosure to Prospective Buyers:
The properties that I send you are listed properties with my office or other MLS real estate offices. Unless you and I enter into a Buyer/Broker Right to Represent Agreement, I will be an agent for the seller in any transaction and the seller will compensate me at closing.
Click here to download a copy of:
The Vermont Real Estate Commission Mandatory Consumer Disclosure.
Click the calculator to visit Bankrate.com and use their handy mortgage calculator.
Secure Financing if needed
Closing and After
The Answer Book for Buyers - A collection of how-tos, checklists, and worksheets to help your buyers and sellers understand what to expect during the real estate purchasing experience.
FHA/HUD Loans - The Federal Housing Administration (FHA) - which is part of the U.S. Dept. of Housing and Urban Development (HUD) - insures the loan, so your lender can offer you a better deal. Click here to learn more about how an FHA loan might help you, or speak with your local lender.
USDA/Rural Development- Visit The United States Department of Agriculture and Rural Development website to learn more. This site is used to determine eligibility for certain USDA home loan programs and the USDA Satellite Grant Program. In order to be eligible for many USDA loans, household income must meet certain guidelines. Also, the home to be purchased or served must be located in an eligible rural area as defined by USDA.
Repairs or Renovations Needed? Does the home you want to buy need repairs and/or renovations? Homes with deferred maintenance often won't qualify for under certain lenders underwriting requirements. If the property is being sold "as is" or you want to also do some renovations, consider looking into an FHA 203K Renovation Loan.
Free Annual Credit Report - Your credit report matters. Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application. Visit www.annualcreditreport.com, the ONLY source for your free credit report authorized by Federal Law.
Monthly Payment Worksheet - Courtesy of The Consumer Finance Protection Bureau (CFPB) this worksheet will help you decide how much you feel comfortable spending on a home, help you plan for the future and calculate a monthly payment that is affordable to you.
Home Buyer's Guide- Courtesy of Realtor.com, the brief, step-by-step guide will help you understand the steps to home ownership.
Home Buyer's Guide to the Foreclosure Market - Courtesy of Realtor.com, this guide will help you understand the special circumstance around trying to purchase a Foreclosure home.
Vermont Shoreline Protection Act - If you are buying property on or near a lake, be sure you understand the new Vermont Shoreline Protection Act. Use this Shoreline Projection Worksheet to help you determine if any projects you'd like to do will require permitting, chances are, they will.
WHAT ELSE SHOULD YOU BE PREPARED FOR WHEN SHOPPING FOR A HOME?
COME SEE WHERE HOME COULD BE!