Barre VT Real Estate, Lowest Mortgage Rates of Year

May 30, 2011 by Leave a comment

Barre VT real estateConsidering buying Barre VT real estate?  Mortgage rates are the lowest that they have been all year.  This past week mortgage rates for a 30 year fixed rate loan were averaging 4.6%, and a 15 year fixed rate mortgage was averaging just below 3.8%. These are great rates for anyone considering buying a Barre property.

Central Vermont real estate is benefiting from the nation’s slow road to economic recovery.  Real estate sales volume has failed to meet expectations which is helping keep rates low and even causing them to drop more.  These low rates are adding to the affordability levels in Barre, as well as throughout Central Vermont.

Please contact us today to learn more about taking advantage of today’s fantastic affordability levels.  In addition to having access to all Barre real estate that is currently listed for sale we have access to all properties in the Central Vermont area.

Click here to read “Fixed Mortgage Rates Continue To Find New Lows” from Realty Times.

BCK Real Estate is the home of Vermont Real Estate. Click here for free access to the Vermont MLS. We represent buyers and sellers of Vermont Real Estate, specializing in Montpelier, Barre, Northfield, Rochester, Stowe and Waterbury.

David Jamieson is a broker in the BCK Real Estate Barre office.  Dedicated to putting the customer first David is a dedicated Central Vermont REALTOR®.  Contact David today for access to all Barre Properties, as well as any home currently listed for sale throughout the Central Vermont region.

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Central Vermont Real Estate, What Are You Looking For in a Home?

May 23, 2011 by Leave a comment

Rochester Vermont real estate for saleIf you are considering buying Central Vermont real estate it is important to ask yourself what exactly you are looking for in a home.  Locating your dream home involves meeting a list of criteria and that criteria can go well beyond the walls and roof of your potential new home.  Knowing what you needs are from Central Vermont real estate will help get them met.

What considerations to weigh when looking for Central Vermont real estate:

Location.  Location matters and things to consider include whether you want your new home to be located in town or outside of town, near schools, close to shopping, etc.  There are many options when it comes to location
and what works best for you and your family is important.

Size.  How big, or small, of a Central Vermont property are you looking for?  How many bedrooms?  How big of a lot?  Knowing the approximate square footage of a house you need is an important piece of criteria to know before starting a house hunt.

Layout.  Having a floorplan in mind is a great way to start your Central Vermont real estate search.  Knowing whether you want a ranch home, with all rooms on one level, a split level home, all bedrooms on one floor, or a separate level for a master suite, are all options to think about.

Condition.  Do you want a move-in ready home or are you okay conducting a remodel?  Are you looking for high-end finishes?

Land.  Are you looking for a small lot or many acres?  Do you want to plant a garden or have landscaping already in place?

The criteria for buying a home is endless and thoughtful planning will help you meet the end goal of buying your dream home.  Contact me, Tim Rice, today to have access to all Central Vermont real estate that is currently listed for sale.  As a Rochester Vermont Realtor I would be happy to sit down with you and go over the list of criteria for your new home, and share my knowledge to help make your home buying experience a smooth and educated process.

BCK Real Estate is the home of Vermont Real Estate. Click here for free access to the Vermont MLS. We represent buyers and sellers of Vermont Real Estate, specializing in Montpelier, Barre, Northfield, Rochester, Stowe and Waterbury.

Tim Rice is a broker in the BCK Real Estate Rochester office.  Dedicated to putting the customer first Tim is fantastic Central Vermont REALTOR®.  Contact Tim today for access to all Rochester properties, as well as any home currently listed for sale throughout the Central Vermont region.

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Central Vermont Real Estate, Living Green

May 17, 2011 by Leave a comment

Central vermont real estateWhen it comes to Central Vermont real estate living green is a way of life. Some home owners may not want to spend the money to invest in a complete overhaul, but that does not mean that steps cannot be made in the right direction toward a healthier way of life.  Making changes about the way you live in your Central Vermont home is a great way to start making your home greener, reducing your carbon imprint.

First steps toward greening up could include monitoring your home’s utility usage.  It is important to remember that your Central Vermont home can overdo its utility usage in the summer as much as in the winter.  Check your home’s seals, the more airtight it is the less heat can escape in the winter and the cooler it will remain in the summer.

Start a compost pile.  Collect biodegradable kitchen waste, like coffee grounds, potato peels, anything that you might put in a garbage disposal, in a container in your kitchen.  As your small container fills it can be dumped into your compost bin or pile that you have set up outside, in your back yard, beside your garage, or wherever the best location may be.  The compost can be used in your garden, as a fertilizer or an addition to your soil.

Living in Central Vermont goes hand-in-hand with being aware of one’s surroundings.  Protecting our beautiful environment is something in which we Vermonters take pride.  As for locating green Central Vermont real estate we at BCK Real Estate are very good at that.  Contact us today to learn more about energy efficient home trends and let us locate a Central Vermont property that will suit your needs.

BCK Real Estate is the home of Vermont Real Estate. Click here for free access to the Vermont MLS. We represent buyers and sellers of Vermont Real Estate, specializing in Montpelier, Barre, Northfield, Rochester, Stowe and Waterbury.

Filomena Siner became a member of the Central Vermont community in 2003 when she moved to Waterbury with her family.  A broker at the Waterbury office of BCK Real Estate, Filomena puts the customer first and is dedicated to making every Central Vermont real estate transaction a smooth one.  Filomena’s dedication and knowledge of the local market makes her a fantastic Central Vermont REALTOR®.  Contact Filomena today for access to all Waterbury properties, as well as any home currently listed for sale throughout the Central Vermont region.

 

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Montpelier Real Estate, Great Time to Be a Buyer

May 9, 2011 by Leave a comment

Montpelier real estateWith regards to Montpelier real estate it is a great time to be a buyer.  Affordability levels are the best they have been in over 30 years, being noted as a generational low as far as housing costs.  According to a recent article from Realty Times housing has cost a home buyer roughly 25% of his income since 1975.  That percentage is currently 17%, an 8% reduction in the buyer’s favor.  This is great news for anyone who has been considering buying Montpelier real estate.

Lending is tougher than it has been in the past but on the positive side these tighter practices should make certain that a buyer is getting into a property that he can afford.  A home buyer of a Montpelier property needs great credit, money for a down payment, and steady income.  Low mortgage rates are keeping affordability levels ideal for buyers as well.

Housing is closely tied to employment and while employment levels are not rising at quickly as anticipated, employment is improving.  The greater strides made in employment the better housing will appear.  For now, those who have jobs, money for a down payment and the ability to acquire a loan are in the driver’s seat.  It is a buyer’s market when it comes to Montpelier real estate.

Please contact us today to look at all Central Vermont real estate.  We have offices throughout the Central Vermont area.  Whether you are looking for a Vermont vacation home or a primary residence, we have the access, knowledge, and ability to find a property that best suits your needs.

Click here to read a recent article from Realty Times, “Affordability Reaches Generational High”.

BCK Real Estate is the home of Vermont Real Estate. Click here for free access to the Vermont MLS. We represent buyers and sellers of Vermont Real Estate, specializing in Montpelier, Barre, Northfield, Rochester, Stowe and Waterbury.

Matt Lumsden has been a member of Montpelier community for the past twenty years, and is an active participant in the community.  Matt’s knowledge of the Montpelier area makes him a fantastic Central Vermont REALTOR®.  Contact Matt today for access to all Montpelier properties as well as any home currently listed for sale throughout the Central Vermont region.

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Central Vermont Real Estate, The Point of Points

May 2, 2011 by Leave a comment

buying Central Vermont real estateThose buying or refinancing Central Vermont real estate may want to know if there is a point to points.  In fact there is, points are a mortgage term that come in two forms, “origination points” and “discount points”.  Origination points are involved in most closings for Central Vermont real estate and cover the lender’s costs for issuing the loan.

Home buyers pay for discount points in order to reduce their monthly mortgage payments.  One point is equal to one percent of the loan value and can reduce the overall interest rate of the loan by 1/8 of a percent per point purchased.  In effect paying for points is paying interest up front.

When buying Central Vermont real estate a home buyer might wonder whether or not buying points is a wise idea.  If the main goal is a reduction in monthly payments, then paying for points up front can be a great idea.  On the flip side paying for points can be tough if it is taking away from money that you have set aside for a down payment.  Another consideration is how much the points cost and how quickly the monthly savings would recoup that upfront cost.

The financial aspect of buying Central Vermont real estate can be confusing.  A Central Vermont REALTOR® can clarify terms and educate a home buyer on the buying process.  Contact us today to have access to all Central Vermont properties that are currently listed for sale.

Click here to learn more about mortgage points from BankRate.com.

BCK Real Estate is the home of Vermont Real Estate. Click here for free access to the Vermont MLS. We represent buyers and sellers of Vermont Real Estate, specializing in Montpelier, Barre, Northfield, Rochester, Stowe and Waterbury. This blog is brought to you by Kevin Copeland, a BCK broker from our Barre office that can handle all of your buying and selling needs.

A native Vermonter, Kevin Copeland offers exceptional service to anyone searching for real estate in Central Vermont. Based out of BCK’s Barre VT real estate office, Kevin can help with all of your Central VT real estate needs.  Kevin knows Central Vermont and is known for his commitment, professionalism and service, as well as his ability to help you with all of your Central Vermont real estate needs.

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