Are you interested in buying a home in the Lake Champlain area or Northwest Vermont? We can help! Coldwell Banker Islands Realty has helped hundreds of buyers purchase real estate in Vermont. We have the local knowledge and expertise to assist you in finding the perfect piece of real estate for you. The home buying process can be complicated and time consuming. We're here to help you navigate the process with ease and guide you home. Before you begin, brush up on your real estate terminology with our glossary.
Choosing the Right Realtor
Buying a home can be a daunting task, and you should have a trusted professional there to help you through the process. Our resources, such as 5 Reasons You Need a Realtor from Islands Realty and Questions to Ask When Choosing a Realtor can help you understand the difference between using a Realtor or not, as well as assist you with the agent selection process.
The Benefits of Homeownership
Homeownership brings lots of responsibilities, but there are definitely Benefits to Owning your Own Home -- some of which are Tax Related Benefits. And while the benefits are plentiful, it's also important to make sure you're prepared for homeownership. Check out our Tips for First-Time Homebuyers and the 10 Steps to Prepare for Home Ownership to make sure you're ready.
Affording Your New Home
There are a lot of factors that determine how much you can afford to pay for your new home. The first thing you will want to do is fill out our Budget Basics Worksheet to see exactly how much money you can afford to spend on your new home. Your credit score is a very important deciding factor for lenders when they determine how much you are qualified to borrow for your mortgage, read our 5 Factors that Decide Your Credit Score to learn more about how it is calculated. A good credit score is considered a score that's over 600, but if you don't have the best score, there are things you can do to help improve it -- these 8 Ways to Improve Your Credit are a great place to start to getting back on track. When you walk into the bank and ask for a mortgage there are 10 Things a Lender will Need from You, make sure you're prepared. Affording your home doesn't just end with your monthly mortgage payments, it's important to understand How Property Tax is Calculated so you are prepared for the next tax season.
Home Inspections 101
So, you've found your dream home, but how do you know there aren't roof leaks or foundation issues? The first thing you will want to do is find a home inspector. We have a list of preferred vendors below that can guide you in the right direction. Before agreeing to work with one you will want to ask these 10 Question to Ask a Home Inspector. You will also want to review our list of What a Home Inspection Should Include, to make sure you cover all of your bases.
Moving Out of Your Home
Getting ready to move from your current residence can be hectic, but we're here to help! We have worked with many movers and can connect you with the right people. Check out our List of Things to Remember when Packing Up as well as our list of Things to Remember During Your Final Walk-Through.
Property Conservation and Management
Does your property include shoreline or extensive vegetation? Review the Shoreland Protection Handbook and Worksheet for steps you may need to take. If your home has a lot of vegetation you will want to review our Vegetation Management Best Practices document.
Throughout the home buying process you will work with a number of other professionals from home inspectors, attorneys or even contractors. We have compiled a list of Local Vendors we have worked with throughout the years. If you have a specific requirement ask your Realtor.
Ready to start your home search? Our MLS integrated website ensures that we have the latest listings and updates. Easily Browse MLS with your specific criteria. Check out our Virtual Home Tours to get an inside look.