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.

​​​Your Home Loan Toolkit-  Courtesy of The Consumer Finance Protection Bureau (CFPB), this booklet is a toolkit that can help you make better choices along your path to owning a home.

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, 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, 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, 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.


  • Ask for a copy of the Seller's Property Information Report on any properties you look at and read them carefully.  These reports are completed by the current owner to help you understand the home's history, maintenance, repairs and systems.
  • Request a Home Inspection. Read this great article on "The 10 Most Common Home Inspection Problems". REALTOR® Magazine Online, 2016   
  • Find out about the water quality and if radon is a concern at the homes you look consider.  Read more about these common tests and what they mean.  ​Drinking Water Facts Sheet.   Radon  Fact Sheet.
  • ​If any home you are considering was built prior to 1978, you will be provided a  Lead Paint Disclosure.  Learn more about Lead Hazards in Housing.
  • If your home you are considering lies within a flood zone and you will be requiring a mortgage, you will be required to get flood insurance.  Visit to better understand how this could impact the transaction.
  • As the buyer, you will be responsible for filing and paying Vermont Property Transfer Tax.  Be sure you understand your obligation.
  • If a home is being sold for less than what the current owner owes on the property—and the seller does not have other funds to make up the difference at closing—the sale is considered a short sale. Freddie Mac ( has some great advice on what you need to know before making an offer on a Buying a Short Sale Property.

The Home Buying process ​

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.

Steps to take BEFORE you start shopping for a home.
  • Build a good credit history
  • Get mortgage pre-approval (unless you are a cash buyer)
  • Find out what type of mortgages you qualify for 
  • Consider hiring an attorney to review all contracts and agreements associated with the home buying process
  • Save up for a down payment (typically 10-20% of the property's value; if FHA-qualified, then possibly less)
  • Consider closing costs which can include taxes, attorney's fees and transfer fees
  • Consider utilities and monthly bills, such as homeowner's associations if applicable

Find the right Realtor

  • Use the Contact Us page to drop us an email or call to set up an appointment to meet with a Realtor®
  • Decide if you want representation. You can be an unrepresented Customer or a  Client of a Realtor®.  Your agent will explain these options in person when you meet. Click here to download a copy of The Vermont Real Estate Commission Mandatory Consumer Disclosure. 
  • Determine what is important to you, such as particular schools, neighborhood amenities, monthly mortgage payment, public transportation, walkability, etc. and discuss these needs with the Realtor® you will be working with.

Find the Right Property

  • Look at properties that match your needs/wants and are within the price range you are can afford.
  • Place a competitive bid and be prepared to make a counter-offer. Make your offer contingent upon title clearance and any other terms you may need like financing, sale of your current home, etc.
  • Read all contracts before signing - make sure you understand all terms, ask questions.
  • Remember, only one offer will result in a sale, so be prepared to move on if your offer is not accepted or you can't come to agreeable terms.
  • Arrange for a home inspection by a licensed home inspector as well as any other tests, such as water quality, radon, and septic inspections as needed.

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 and use their handy mortgage calculator.

helpful Buyer Resources

Secure Financing if needed

  • Contact your mortgage broker or lender if needed
  • Have your attorney conduct a title search to ensure there are no clouds on the title
  • Make sure you understand the financing terms - ask the lender for clarification, if needed.
  • Acquire title insurance.
  • Keep your credit score stable and in-check by waiting to purchase any big-ticket items until AFTER the closing
  • Get homeowner's insurance quotes 

Closing and After

  • Do a final inspection of the home you are buying on the day before or day of closing.
  • Be sure you understand what funds are needed for closing day and how you should bring them, (i.e. Cashier or bank check, made out to who, how much, etc.)
  • Ensure your homeowner's insurance (flood, disaster and fire if special policies are needed) are  in place for day of closing, be sure your lender has the insurance binder. 
  • Set up utilities to be in your name and turned on for your day of closing if you plan to move right in.
  • Keep original closing documents in a safer place, preferably outside the home (such as a safety deposit box).
  • Move in - get to know your neighbors and explore your new neighborhood.
  • If you're happy with the work of your real estate professional, be sure to recommend them to friends and family.