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Endless Energy
When my husband and I wanted to buy our first home we used Sarah Hergenrother. She was a pleasure to work with and had our best interest in mind at all times. We found a perfect first home with her help. Four years later we were ready to move on to bigger and better things. Ironically we received a post card from her advertising her services the same day we decided we were ready to sell our home. We worked with Sarah once again to sell our home and find a new one. Once again she was a pleasure to work with and provided endless energy and effort to see us through. We sold our home and purchased a beautiful townhouse. We couldn't have asked for a better realtor!
-Heather Reed Shelburne, VT
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Buyers Remorse >First Time Loans
Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.
Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.
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| Q |
What kind of home construction is considered to be the safest in seismic areas?
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| A |
Straw-bale homes in seismic zones have proven resilient enough to withstand the shock of earthquakes. |
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The Hergenrother Team Keller WIlliams Realty Green Mountain Properties 302 Mountain View Dr Third Floor Colchester, VT 05446 Phone: 802-488-3488 Fax: 802-419-3769 Team: Info@WinningResultsVT.com Sarah: sarah@vermontkw.com Adam: adam@vermontkw.com
Whether you're looking to buy or sell your home in Vermont, either in Chittenden, Lamoille, Washington, Addison, Franklin, or Grand Isle counties or you're considering relocating to Vermont - we're here to help you! 
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