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Joanie Keating added above anyone else has a friendly can do attitude and communicated every thing necessaary through the entire process.  We love Joanie Keating and Kathy Lowell Wood thank you [...]

“Being a first time home buyer can be confusing but Jess was great at explaining things and keeping in touch.´    

Filomena was amazing! She helped us find a great affordable place right here in Waterbury. Our process was difficult with a 203k loan but she was encouraging and positive the entire time. I am amazed at how much knowledge Filomene had [...]

"Martha was wonderful for everything. She kept in touch about showings, offers, other things that came on the market that might be competition, as well as anything else she thought was pertinent towards the sale of our property. She is an excellent agent.”

He cares, and is very knowledgable; so work with him.  

Martha Lange

 “Fran was great!” 

"Lisa was great! No pressure, great advice and explanations?really helped to keep us relaxed throughout the whole process. Will definitely work with Lisa and Century 21 in the future."

What a wonderful experience I had. Laura walked me through every step with easy understanding. Dealing with my Uncle's estate was hard enough and he and his team put me at ease. We had regular phone conversations and e-mails explaining the process. And living in NY and not having to come back to VT for the closing was handled exceptionally. Thanks Laura and your entire team for an awesome job. 

"Mark was excellent, made everything seem very easy, like a pro"

Bruce Cote helped me purchase my first house in Vermont. He was very helpful then so when we started looking again, I asked for his help. I appreciate his relaxed approach, his knowledge and guidance. I highly recommend him to anyone [...]

  “Lori was excellent throughout our process - above & beyond!   Great experience all the way.”  

No nonsense, gets right to the point and gets it done!  

 “We were very pleased with the professionalism of our agent and her knowledge of the market. and we would recommend her to our friends and colleagues.”

“Robbi was really great to work with. She is the best realtor I have ever dealt with and I would recommend her without reservation.” 

Loved her!!! Sonia knew I was looking for something unique and made sure that we balanced budget with the wishlist I had for my first house. She was so patient in walking me through all the details of the process,

"Nicole, Thank you and Mellen for all your exceptional help and patience on this one.  Everything you both did for Paul is greatly appreciated." 

Craig was great to work with. We were first time home buyers and wanted someone who really understood our needs. He worked with us to make sure we found a property we were truly happy with and went above and beyond to work through [...]

Our insurance person said that she was by far the best agent he had ever dealt with. She was very accommodating and very pleasant to work with. She went over and above and dealt with all of our crazy with

Joanie was great to work with and very persistent when we had to get things done with other parties. My wife and I would highly recommend Joanie and look forward to purchasing another property in the future.

"Martha did a great helping us sell our property.  Her predictions and suggestions were right on.  I would recommend Martha highly."

"Liz is a really great lady to work with.  I would for sure use her again in the future and send other people who are looking to buy or sell her way!!"

"I have already recommended Martha to all whom have mentioned needing a Realtor.  She was by far the best part of our buying process."

"We were sufficiently impressed with Craig's performance and ended up contracting with him to sell our properties."

Lynn

Filomena listed our home at a difficult real estate time, she made a drone video of the property and home which proved to be the reason the home sold. The home was one of the highest priced homes in Northfield and she me [...]

I feel very lucky to be able to work with Warren Palm. He has helped me sell two homes in the Burlington, VT market.. The first one was very specialized and required a lot of extra attention and time as well as market

"Lynn is a great negotiator and always gets to the finish line."

Craig was very knowlegable of the area and of the type of Property that we had For Sale. Very nice personality and willing to answer any questions that we might have with suggestions of how he thought was best to advertise the [...]

 “My Realtor, Laura Musgrave (C21 Hometown Team-Milton/C21 Jack Assoc.) was a true professional. She was able to help resolve all the issues that could have held the sale up. Time was an important factor for me. From the time of taking the information for the listing and explaining everything to us all the way to the closing, Laura was extr [...]

This was a very difficult sale/closing with our buyer. Fran was very patient and helpful for us and our lawyer as well. I think we would have withdrawn if not for Fran helping as much as she did. She [...]

“Agency was completely committed to the success of the transaction and was professional and personal throughout.”

Donna is a gem of a person. She worked hard to keep me informed and share her knowledge of the area and building process. I trust her completely and am so grateful for her help.  

"Mandi was always on top of things and professional. This was the 'Smoothest' deal ever."

Robbi Handy Holmes was the perfect realtor for my situation. Having never sold or purchased a home she made it very seemless for me. I was able to talk to her whenever I needed to, she went out of her way to help me no matter what [...]

“It's always a pleasure working with Bruce. He's a knowledgeable, professional that I trusted to guide us through the home buying process. He met and exceeded all of our expectations.”

"Donna was right along side us through our entire relocation process. She was very responsive to all of our communications with her. She showed us many properties that we asked to see as well as a few she recommended. When we [...]

This was all new to me and she was very patient and listened to what I wanted and she was always available to take my calls.  

"I would use Martha Lange again as my agent again no questions asked, she was great!"

Financing Basics

Determine What You Can Afford

Each buyer is unique - and we'll help you find out just what you can afford. Your income and your debts will typically play the biggest roles in determining your price range. It's simple to make an estimate, just run the numbers for yourself using our affordability calculator.

Figure Out Your Funding

A range of mortgage options are available, and we'll help you determine which can work for you - some loans require little money down. You'll also need to consider closing costs and the escrow account for taxes and insurance. But don't get overwhelmed: it's a snap to figure out how much money you'll need using the affordability calculator.

Less-Than-Perfect Credit Report?

Don't worry, there are options that are ideal for those who have a few "dings" on their credit report. Work with your lender to develop an individual mortgage program based on your unique credit worthiness.

Tax Benefits

You may be able to deduct the interest you pay on the mortgage loan and some of the financing costs of the home, such as points. And your property taxes could be deductible. You should consult your tax advisor for more information.

Loan Programs

Finding the best loan program for your needs depends on a number of factors, including:

  • How long you'll stay in the home
  • How much money you'll put down
  • How you'll finance the closing costs

Fixed-Rate Mortgages

A fixed-rate mortgage means the interest rate and principal payments remain the same for the entire life of the loan. (Taxes, of course, may change.)

Advantages include consistent principal and interest payments make this loan stable your rate won't change, so you don't need to worry about market fluctuations. A good choice if you're likely to stay in this house for a long time.

Disadvantages include a possibly higher cost - these loans are usually priced higher than an adjustable-rate mortgage. Keep in mind that, on average, most people move or refinance within seven years. If rates in the current market are high, you're likely to get a better price with an adjustable-rate loan.

30 Year Fixed - Rate Mortgages offer consistent monthly payments for the entire 30 years you have the mortgage. So if the market is good, you can benefit from locking in a lower rate for the full term of the loan. The best choice if you're looking for a long-term, stable loan - for instance, if you're planning on staying in your house for some time.

20 Year Fixed - Rate Mortgages allow you to make a consistent monthly payment throughout the 20 years you have the mortgage. The shorter term means you pay the loan off more quickly, and therefore pay less interest. And you'll build equity faster than you would with a 30 year loan. (But remember the shorter term means higher payments, when compared to the 30 year fixed-rate mortgage.)

15 Year Fixed - Rate Mortgages mean consistent monthly payments for all 15 years you have the mortgage. By building equity even more quickly than with a 30 year or 20 year loan, and paying less interest, you'll save money in the long run. It's an ideal option if you can handle the higher payments and if you'd like to have the loan paid off in a shorter period of time - for instance, if you plan to retire.

Adjustable-Rate Mortgages

An adjustable-rate mortgage (ARM) means that the interest rate changes over the life of the loan - according to the terms specified in advance. With ARMs:

  • The initial interest rate is usually lower than with a fixed-rate mortgage.
  • The monthly repayment would also be lower.
  • The interest rate may be adjusted (up or down) at predetermined times.
  • The monthly payment will then increase or decrease.

Most ARM programs do offer "rate cap" protection, which limits the amount the rate can be increased, both each year and over the life of the loan. All ARMs are amortized over 30 years.

Advantages include lower costs - ARMs are usually priced lower than fixed-rate mortgages so you can increase your buying power and lower your initial monthly payments. If interest rates go down, you'll enjoy lower payments. Usually an ARM is the best choice for homeowners who plan to relocate (for example, with their company or the military), or for those who are purchasing their first home and plan to be in the property only for three to five years. Remember that, on average, most people move or refinance within seven years.

Disadvantages include the possibility of increasing monthly payments if interest rates go up. Keep in mind that ARMs are best for homeowners who aren't planning on staying with a property for a long period. If you're on a fixed income, an ARM (especially a short-term ARM) may not be your best choice.

10/1 Adjustable - Rate Mortgages provide a fixed initial rate of the loan for the first ten years of repayment. After 10 years, the rate adjusts every year thereafter for the remaining life of the loan. The loan is amortized over 30 years, so you'll enjoy the stability of a 30 year mortgage at a lower price than a fixed-rate mortgage of the same term. But an ARM is likely not the best choice if you're planning on owning the same property for more than 10 years.

5/1 Adjustable - Rate Mortgages mean the initial rate remains fixed for the first five years of repayment, and then adjusts every year thereafter. Remember that your rate and monthly payments may go up after only five years, so this choice is best if you're expecting to sell or refinance the property within that period.

3/1 Adjustable - Rate Mortgages provide three years at the initial fixed-rate, then the rate adjusts every year for the remaining life of the loan. A good choice if you expect to move or refinance in a relatively short period of time. But a much shorter fixed-rate period means your interest rate (and therefore monthly payments) may begin to fluctuate after three years.