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Mandatory Consumer Disclosure

The Real Estate Company of Vermont firm represents both Buyers and Sellers through written agency agreements.  Unless you have entered into a written agreement for agency representation, you are a customer and not a client.  There is no confidentiality between us until there is a signed brokerage agreement. 

Please review the Mandatory Consumer Disclosure prepared by the Vermont Real Estate Commission.  This will also be presented to you at our first in-person meeting, whether you are buying or selling.   Please note that The Real Estate Company of Vermont is an Non-Designated Agency - all of the agents within our firm owe a duty of loyalty to our clients. 


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Local Vendors

Below is a list of some local professionals, in no particular order, that past clients have enjoyed working with during their home buying/selling process.



Local Area Lenders


National Bank of Middlebury - Vergennes Branch
Sharon Brown
sbrown@nbmvt.com. 802-877-2721


National Bank of Middlebury - Route 7 Branch
Beth Buckman
bbuckman@nbmvt.com, 802-388-4481


First National Bank of Orwell
Lindsey Wing
lwing@fnborwell.com, 802-897-2265


Vermont Federal Credit Union
Lindi Quesnel
lquesnel@vermontfederal.org, 802-385-3063


Kim Negron
knegron@homebridge.com, 802-846-4646


Movement Mortgage
Michael Languasco
michael.languasco@movement.com, 802-391-0385




Local Area Appraisers


W.D. Benton Inc. Appraisers - Bill Benton


Lynn W. Hinman Real Estate


Justus Devries, Jr Inc



Local Area Attorneys


American Land Title (represents buyers only)
Janet Shaw
11 Maple St, Suite 20 Middlebury


Behrens, Venman, Sussman
David Venman
5 North Green Street, Vergennes


Neuse, Duprey & Putnam
Anthony Duprey, Benj Putnam, Judson Hescock
1 Cross Street, MIddlebury


Law Offices of Joy Middlebrook Karnes Esq, PC
Joy Karnes Limoge, Esq
600 Blair Park, Suite 280, Williston


Ouimette and Runcie
Jim Ouimette
257 Main Street, Vergennes


Stark Law
Brian Stark
1233 Shelburne Road, South Burlington


The Law Offices of Fred Peet
Fred Peet
55 Patchen Road, South Burlington



Local Area Inspectors


Home Inspection & Testing Services of Vermont - Michael Clark


Cramer Home Inspection Group - Hans Cramer


HomeSmith Services - Dutton Smith


1st Choice Home Inspection - Greg Kelsey


CheckPoint Property Inspections - Joby McDonald


Criterium Lalancette & Dudka Engineers



Local Area Septic Professionals



Clark Wright Septic Service


Tom Bodette


Dundon's Plumbing



Lincoln Applied Geology


Vermont Contours - Spencer Harris


LaRose Surveys


Barnard & Gervais

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Buying a Home

Buying a home is a major decision and in many cases the first step in a bigger change. It is important to be prepared, to understand the process and the market before you start looking for your home. It is our goal to provide you with the information and resources necessary to help you make informed decisions and hopefully take some of the stress out of the home buying process.

Please contact us to learn how we can assist you in the home buying process.  


Environmental Information


School Information

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Buyer/Seller Info


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List Your Home

Please complete the following information to begin the marketing process.

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Getting Pre-Approved and Applying For a Loan


Prior to starting to look for your new home we will recommend that you get a lending pre-approval (unless they plan to purchase with cash).  

These are the things you need to supply to your lender to get a quick approval using alternate documentation

Income Items

  • W2 forms for the last two years
  • Pay stubs covering a 30 day period
  • Federal tax returns (1040s) for the last two years, if:
    • you are self-employed
    • earn more than 25% of your income from commissions or bonuses
    • own rental property
    • or are in a career where you are likely to take non-reimbursed business expenses
  • Year-to-Date Profit and Loss Statement (for self employed)
  • Corporate or partnership tax returns (if applicable)
  • Pension Award letter (for retired individuals)
  • Social Security Award letters (for those on Social Security)

Asset Items

  • Bank statements for previous two months (sometimes three) on all accounts. All pages.
  • Statements for two months on all stocks, mutual funds, bonds, etc.
  • Copy of most recent 401K statement (or other retirement assets)
  • Explanations for any large deposits and source of those funds
  • Copy of HUD1 Settlement Statement on recent sales of homes
  • Copy of Estimated HUD1 Settlement Statement if a previous home is for sale, but not yet closed
  • Gift letter (if some of the funds come as a gift from a family member)
  • Gifts can also require:
    • Verification of donor’s ability to make the gift (bank statement)
    • Copy of the check used to make the gift
    • Copy of the deposit receipt showing the funds deposited into bank account or escrow

Credit Items

  • Landlord’s name, address, and phone number (for verification of rental)
  • Explanations for any of the following items that may appear on your credit report:
    • Late payments
    • Credit inquiries in the last 90 days
    • Charge-offs
    • Collections
    • Judgments
    • Liens
  • Copy of bankruptcy papers if you have filed bankruptcy within the last seven years


  • Copy of purchase agreement (if you have already made an offer)
  • To document receipt of child support (if you desire to show it as income)
    • Copy of Divorce Settlement (to show the amount)
    • Copies of twelve months canceled checks to document actual receipt of fund

FHA Loans

  • Copy of Social Security Card (or other documentation of social security number)
  • Copy of Driver’s license

VA Loans

  • Copy of DD214


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Radon is a radioactive gas found in some homes that in sufficient concentrations can cause health problems.

For more information, please review the following state and federal websites:
Vermont Department of Health Radon Information
United States EPA Radon Information

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Lead Poisoning

Lead poisoning is a serious problem that can lead to adverse health problems. In children, high levels of lead can cause damage to the brain and nervous system, behavioral and learning problems, slow growth, and hearing problems. In adults, lead poisoning can cause reproductive problems, high blood pressure, digestive problems, nerve disorder, memory and concentration problems, and muscle and joint pain.

Lead poisoning is especially a problem in cities with older buildings. Typically, lead is present in the paint from older buildings, in the water supply, and in the environment from cars and buses. Preventing lead poisoning in large cities, where there is such widespread possibility for exposure is both difficult and expensive. Federal programs have attempted to address this problem.

Lead poisoning is also an issue that buyers and sellers need to consider. Houses that were built before 1978 probably have paint that contains lead. Federal law requires that sellers disclose known information on lead-based paint hazards before selling a house. Sales contracts must include a federal form about lead-based paint in the building. Buyers will have up to 10 days to check for lead hazards and are likely to stipulate corrections.

For more information, please visit the following state and federal websites:
Vermont Department of Health Lead Information
United States EPA Lead Information

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Setting the Price

  • The price is the first thing buyers notice about your property. If you set your price too high, then the chance of alienating buyers is higher. You want your house to be taken seriously, and the asking price reflects how serious you are about selling your home.

    Several factors will contribute to your final decision. First, you should compare your house to others that are in the market. If you use an agent, he/she will provide you with a CMA (Comparative Market Analysis). The CMA will reflect the following:

    • houses in your price range and area that were sold within the last half-year
    • asking and selling prices of houses
    • current inventory of houses on the market
    • features of each house on the market

    From the CMA, you will learn the difference between the asking price and selling price for all homes sold, the condition of the market, and other houses comparable to yours.

    Also, try to find out what types of houses are selling and see if it applies to your area. Buyers follow trends, and these trends can help you set your price.

    Always be realistic. Understand and set your price to reflect the current market situation.

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Plan of Action

  1. Analyze why you are selling - If you understand your motives, you will be able to better negotiate and to get what it is that you want, whether it be a quick sale, high price, or somewhere in the middle.
  2. Prepare your home for the buyer - Maximize the strengths of your property and fix up its weaknesses. You want the buyer to walk away from your home with a lasting good impression.
  3. Find a good real estate agent that understands your needs - Make sure that your agent is loyal to you, and can negotiate to help you achieve your goals. In addition, they should be assertive and honest with both you and the buyer.
  4. Be prepared for negotiation - Learn and understand your buyer’s situation; what are their motives? Can you demand a big deposit from them? Try to lock in the buyer so that the deal goes through.
  5. Negotiate for the best price and the best terms - Learn how to counter offer to get maximum value from every offer.
  6. Make sure the contract is accurate and complete - Be honest with your disclosures; you do not want to lose the deal because you were lying or diminishing your home’s defects. Insist the buyers get a professional inspection. This will protect both you and the buyer.

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