The Home Buying Process

Annual Credit Report

Get your Finances in Order

 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.

Get preapproved

Get Pre-Approved for a Mortgage

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.

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Home Buyer's Resource Guide

A complete guide to the home buying process. 

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Buying a home is exciting and, let’s face it, complicated.

Mortgage 101

Get schooled on 6 Mortgage must-knows before you head out to find your new home. It's easy, fun, and most importantly - SMART!

Mortgage Calculator

Down Payment and Closing Cost Assistance

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.

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Don't make me wait!

I'm ready to Start!

Okay then, let's get to the fun part!   Time to explore the real estate market!

Things you need to Know

Property Disclosures

Protect Your Family from Lead

Radon Facts you Need to Know

Property disclosure reports

Buying a home can present hidden risks.  Your buyer's agent will help you avoid unpleasant surprises. 

Radon Facts you Need to Know

Protect Your Family from Lead

Radon Facts you Need to Know

Radon dangers

 One in seven Vermont homes has elevated levels of radon. Radon is a naturally occurring radioactive gas that has no color, smell or taste.  Read this fact sheet for important information.

Protect Your Family from Lead

Protect Your Family from Lead

Testing Drinking Water from your Private Well

Protect your family from lead

 Lead poisoning is a serious but preventable health problem.  Learn more about lead hazards in housing.

Testing Drinking Water from your Private Well

Testing Drinking Water from your Private Well

Testing Drinking Water from your Private Well

Testing drinking water from your private well

VT Health Dept. recommendations on testing private drinking water. 

Requesting Home Repairs

Testing Drinking Water from your Private Well

Requesting Home Repairs

Home repair requests

Considering making a home repair request?  Here's what to consider.

More than a Mortgage

Testing Drinking Water from your Private Well

Requesting Home Repairs

The true cost of home ownership

Your mortgage is only one cost of owning a home—here are the rest

Wastewater System & Potable Water

Complete Vermont Rules and Regs

Homeowner's Guide to Septic Systems

Homeowner's Guide to Septic Systems

Environmental Protection Rules Wastewater System and Potable Water Supply Rules 

Effective: April 12, 2019  

Homeowner's Guide to Septic Systems

Homeowner's Guide to Septic Systems

Homeowner's Guide to Septic Systems

Learn about the basics of a septic system, how they work, and how to maintain them. 

Find a VT licensed Septic Designer

Homeowner's Guide to Septic Systems

Find a VT licensed Septic Designer

An up to date list of all licensed septic system designers in the state of Vermont.

VT Real Estate Taxes & Insurances

Property Transfer Tax

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

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. 

Homestead Declaration

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. 

Current Use Program

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.  

Owner's Title Insurance

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.

Additional Resources

VT Crime Information Center

VT Environmental Research Tool

VT Crime Information Center

  • Criminal History Information
  • Sex Offender Registry

Neighborhood Schools

VT Environmental Research Tool

VT Crime Information Center

Learn more about schools in your area of interest

VT Environmental Research Tool

VT Environmental Research Tool

VT Environmental Research Tool

  • Hazardous Waste / Brownfield Sites
  • Salvage Yards / Dry Cleaners
  • AST / UST and more

VT Natural Resources Atlas

VT Natural Resources Atlas

VT Environmental Research Tool

Search the Vermont Agency of Natural Resource to explore any property address statewide.

FEMA Flood Maps

VT Natural Resources Atlas

FEMA Flood Maps

Check to see if an address is in a Flood Zone

VT Act 250

VT Natural Resources Atlas

FEMA Flood Maps

 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

More Home Buying Insights

Check out our Blog for more helpful advise on selling your home.