Your credit reports are an ongoing record of how you've managed your finances. You should know exactly what they say about your financial history before you apply for a mortgage. You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian and TransUnion). Request a copy of your credit reports now.
Do you know how much house you can afford?
Probably not, unless you've talked with a lender and you've been pre-approved for a loan. Fairway Independent Mortgage Corporation is just one of many who can help you get pre-qualified. Give them a try, or ask one of our Realtors® for additional lenders we work with often.
Get schooled on 6 Mortgage must-knows before you head out to find your new home. It's easy, fun, and most importantly - SMART!
NeighborWorks of Western Vermont offers Home Buyer Education Classes every month. Along with being more prepared to maneuver through the home buying process, an additional benefit is that you become eligible for numerous financial perks, including grants, down payment assistance, and closing cost assistance.
Environmental Protection Rules Wastewater System and Potable Water Supply Rules
Effective: April 12, 2019
Learn about the basics of a septic system, how they work, and how to maintain them.
An up to date list of all licensed septic system designers in the state of Vermont.
Property Transfer Tax is a tax on the transfer of title to real property in Vermont. The tax applies to both property transfers by deed and to acquisitions of a controlling interest in an entity with title to a property. The buyer is responsible for paying Property Transfer Tax
Land Gains Tax is a tax on the gain from the sale or exchange of Vermont land that was held by the seller(s) for less than six (6) years. The value of the land may include the proceeds from the sale of timber or timber rights.
By Vermont law, property owners whose homes meet the definition of a Vermont homestead must file a Homestead Declaration annually by the April filing deadline. If eligible, it is important that you file so that you are correctly assessed the homestead tax rate on your property. Here is the information you as the property owner need to know about the Vermont Homestead Declaration.
In 1978, the Vermont legislature passed a law establishing the Use Value Appraisal of Agricultural, Forest, Conservation and Farm Buildings Property. Today, this program is known as "Current Use" and is administered by the Division of Property Valuation and Review within the Vermont Department of Taxes.
If a person claiming to have an interest in your property takes legal action against you, your Owner Policy insurer can work to resolve the defect in the title. In the event the matter goes to court, your interest and financial position can be protected by the insurer. Learn more about the importance of Owner's Title Insurance.
Learn more about schools in your area of interest
Search the Vermont Agency of Natural Resource to explore any property address statewide.
Check to see if an address is in a Flood Zone
The effects of Act 250 are most clear when one compares VT's pristine landscape with most other states. Stay up to date on the latest on Act 250