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Buyer's Guide

First-Time Homebuyer Guide

Your complete step-by-step guide to buying your first home in Vermont. Navigate the process with confidence from pre-approval to closing.

The 6-Step Path to Homeownership

Buying your first home is an exciting journey. While the process may seem overwhelming at first, breaking it down into these six key steps makes it manageable and helps you understand what to expect at each stage.

1

Get Pre-Approved for a Mortgage

Before you start house hunting, get pre-approved for a mortgage. This shows sellers you're serious and helps you understand your budget.

  • Gather financial documents (pay stubs, tax returns, bank statements)
  • Check your credit score and address any issues
  • Compare lenders and mortgage rates
  • Get a pre-approval letter showing your maximum loan amount
2

Find a Real Estate Agent

A knowledgeable local agent can guide you through Vermont's unique market and help you find the perfect home.

  • Look for agents experienced in Vermont real estate
  • Interview multiple agents to find the right fit
  • Discuss your needs, budget, and preferred locations
  • Understand the agent's role
3

Start House Hunting

With your pre-approval and agent in place, begin searching for homes that meet your needs and budget.

  • Create a list of must-haves and nice-to-haves
  • Consider Vermont-specific factors (heating costs, snow removal, well/septic)
  • Attend open houses and schedule private showings
  • Take notes and photos to remember each property
4

Make an Offer

When you find the right home, work with your agent to craft a competitive offer.

  • Research comparable home sales in the area
  • Determine your offer price and terms
  • Include contingencies (inspection, appraisal, financing)
  • Submit your offer with earnest money deposit
5

Complete Inspections and Due Diligence

Once your offer is accepted, conduct thorough inspections to understand the property's condition.

  • Hire a qualified home inspector
  • Consider specialized inspections (radon, well water, septic)
  • Review inspection reports carefully
  • Negotiate repairs or credits with the seller if needed
6

Close on Your Home

The final step! Review documents, sign paperwork, and receive the keys to your new Vermont home.

  • Review closing disclosure at least 3 days before closing
  • Arrange homeowners insurance
  • Complete final walkthrough
  • Bring government-issued ID and certified funds for closing costs

Ready to Start Your Home Search?

Our experienced team is here to guide you through every step of the home buying process. Let's find your perfect Vermont home together.