WELCOME OCTOBER 2019
For more information, visit us at www.hoisingtonvt.com Meticulous and warm are two words to describe this turnkey property on very private 1.74 acres in Arlington... . This tastefully appointed 3 bedroom, 2 bath ranch home offers a comfortable open floor plan, with many fine details including crown molding throughout, custom bookshelves in living room, centralized kitchen has ceramic tile, dining and living room have cherry floors and large family room for entertaining. Private master suite also with cherry floors includes a gorgeous new spa bathroom with water closet, double sinks and radiant heat. Large finished basement for entertaining with separate office or exercise room. Mudroom access from 2 car heated garage with built-in storage. The new stamped concrete patio is wonderful for outside dining or hanging by the pool and hot tub. If you want some views, you can sit on the large front porch covered with a new awning. Mature landscaping with new slate slab front walkway and bordered by stone walls.
Listing Agent: Kelley McCarthy
$265,000
Saturday, September 28, 2019 | Welcome Homes
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Bennington
Manchester
802-442-8121 802-362-4760
Arlington
Rutland
802-375-2319 802-774-5085
TheBankofBennington.com
Your Money Stays Here, Works Here, and that Makes a Difference.
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At Your Service
McClintock Law Office, O PC Practicing Law Since 1983
Squire House, 185 North Street Bennington, VT 05201 Tel: (802) 442-1201 Fax: (802) 442-1203 www.ltmatty.com Lon T.. McClintock, Esq.
Real Estate Wills & Estate Planning Business and other matters
’s y a J
Art Shop & Frame Gallery Also Cards & Gifts
Rte 7 South St. Bennington, VT Open Daily 802-447-2342 www.jaysartshop.com
THE PERFECT FRAME FOR YOUR PERFECT HOUSE Expert Custom Framing Large Selection of Prints & Framed Art
To be part of this directory, Call (802) 447-7567 ext. 101 2
3 factors to consider when choosing a mortgage lender
1. Reputation/recommendation Just like other businesses, lenders have reputations, and oftentimes those reputations can be determined via some simple online research. Peruse online reviews to determine what past buyers felt about a given lender. If possible, ask
friends, family or colleagues who they worked with to secure a mortgage.
Freddie Mac HomeOneSM A program through Heritage family credit union for first time homebuyers!
2. Fees Fees vary from lender to lender. Fees should not be mistaken for interest rates, which change daily and are typically dictated by the financial industry and prospective buyers’ credit history and financial standing. When speaking with potential lenders, ask for a rundown of their fees, and the services those fees include, and closing cost estimates in writing, then compare and contrast fees and costs of various lenders before making a final decision. Some lenders may charge considerably more in fees than others, so buyers should put in the effort necessary to comparison shop.
3. Personal interaction Buyers, especially those who have never before purchased a home, will likely have lots of questions. This is where personal interaction with a prospective lender should be noted. Securing financing for a home purchase can sometimes seem like an impersonal process, but it doesn’t have to be, and many lenders are happy to answer buyers’ questions. Lenders who answer questions quickly and clearly can make buyers more comfortable about the home buying process. Buyers may want to avoid lenders who seem evasive or unwilling to answer questions in writing.
Available to qualified first-time homebuyers for a low down payment of just 3% with no geographic or income limits! Freddie Mac HomeOne Requirements • • • • • • • •
Must be an owner-occupied property Includes 1-unit single-family residences, condos and townhouses Must be a purchase transaction or rate and term refinance (no cash out) At least one borrower must be a first-time home buyer Max loan-to-value ratio (LTV) of 97% Must be a fixed-rate mortgage At least one borrower must have a usable credit score Homebuyer education required for purchase transactions when all borrowers are first-time homebuyers
call or apply online today! Your Community...Your Credit Union 1.888.252.8932 | www.hfcuvt.com
The Bennington Banner | BenningtonBanner.com
A home is the most significant purchase many people will ever make. Perhaps because of that, many buyers, particularly those purchasing a home for the first time, are understandably nervous about the home-buying process. The decision regarding which home to buy warrants ample consideration, but so, too, does the buyers’ choice of lender. Mortgage lenders can be found all over the internet, and the sheer volume of lender options can make it hard for home buyers to find the right fit for them. Couple that with lending-related terminology that many first-time buyers may be unfamiliar with, and it’s easy to see why prospective homeowners can feel overwhelmed about the process of borrowing money to buy their homes. When looking for a mortgage lender, prospective homeowners should never forget that the choice of lender is, in most cases, entirely theirs to make. When making that decision, a host of variables should be considered. The following are three such factors that, upon ample consideration, may help buyers rest easy knowing they did their due diligence when looking for lenders.
Welcome Homes | Saturday, September 28, 2019
3% down for first time homebuyers!
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Saturday, September 28, 2019 | Welcome Homes
No. 1325.........$142,900
EXCELLENT LOCATION
Shaftsbury, VT 3 Bedrooms 1 Bathroom 3 Car Garage 6.60 Acres
No. 392.......$179,700
SHAFTSBURY LOG HOME Shaftsbury, VT 3 Bedrooms 4 Bathrooms 2 Car Attached Garage No. 713.... .$288,000
PRIVATE LOCATION
Shaftsbury, VT 3 Bedrooms 2 Bathrooms 1.22 Acres
No. 1313........$139,900
GREAT LOCATION Bennington, VT 3 Bedroom 1.5 Bathrooms Large yard Rear deck
No. 271.........$169,900
CENTER HALL COLONIAL
Bennington, VT 4 Bedroom 1.5 Bathrooms Rear deck Dead End Street No. 2374......$214,900
The Bennington Banner | BenningtonBanner.com
LOCATION, LOCATION, LOCATION Bennington, VT 4 Bedroom 2 Bathroom 1 Car Detached Garage Great neighborhood No. 390.........$239,900
No. 222........$369,900
ARLINGTON CONDO
Arlington, VT 2 Bedrooms 1 Bathroom Pine Knoll
No. 655.........$110,000
GREAT BUSINESS OPPORTUNITY
Shaftsbury, VT Lots of parking Many possibilities Offices, Retail, Commercial and more OPEN HOUSE 10/5 10-Noon No. 1321.........$249,900
No. 1837 ... .$114,900
GREAT MANCHESTER HOME
COUNTRY CLUB AREA
Manchester, VT 3 Bedroom 2.5 Bathroom 2 Car Attached Garage Private Location No. 2232.........$295,000
Shaftsbury, VT 4 Bedrooms 2 Bathrooms 5.03 Acres 2 Car Detached Garage No. 1520.........$329,900
Bennington, VT 5 Bedrooms 3 Bathroom 2 Car Attached Garage 1.61 +/- acres No. 1344.........$335,000
GREAT VALUE Bennington, VT 3 Bedroom 1 Bathroom 1 Car Detached Garages No. 1838.......$110,000
RIVER FRONTAGE Bennington, VT 2 Bedroom 1.5 Bathroom 2 Car Detached 4.4 Acres
No. 1923 ... .$129,900
Did you know?
AMAZING SHAFTSBURY HOME Shaftsbury, VT 3 Bedrooms 3 Bathrooms 2 Car Attached & 2 Car Detached 44.5 Picturesque Acres
GENTLEMAN S FARM
CHARM AND CHARACTER Bennington, VT 2 Bedroom 1 Bathroom 1 Car Detached Garage
No.1359.........$429,000
There are 3 agents in our office that specialize and only work with people interested in purchasing homes. These buyer specialists can assist in every facet of your purchase...at no cost to you! Call to schedule your showing or consultation with a buyer specialist today!
802-442-3344
Brenda Jones Real Estate Group TAKE A LOOK
Bennington, VT 4+ Bedroom 3 Bathroom 2 Acres 2 Car Attached No. 1235.........$329,900
UNIQUE CONDO
Bennington, VT 3 Bedrooms 2.5 Bathrooms 2nd and 3rd floor
No. 454.......$124,900
POWNAL HOME
Pownal, VT 2 Bedrooms 2 Bathrooms
No. 796.........$99,900
802-442-3344
219 North Street, Bennington, VT 05201
BenningtonHomes.com
COUNTRY SETTING
Shaftsbury, VT 3 Bedrooms 1.5 Bathrooms 1.34 Acres
No. 434.........$159,900
TERRIFIC LOG HOME
Bennington, VT 3 Bedrooms 2.5 Bathroom 1 Car Attached Garage Dead End Location No. 326.........$259,900
GREAT FIND
Pownal, VT 3 Bedrooms 1 Bathroom 2 Car Garage
No. 488.........$139,500
The Bennington Banner | BenningtonBanner.com
4
802-442-3344
No. 1980.........$229,900
OLD BENNINGTON HOME
Old Bennington, VT 4 Bedroom 2.5 Bathroom 1 Car Basement Garage
Contact us for additional information on any of these listings:
Call us for your FREE
Home Buying Guide
AMAZING FARMHOUSE
North Bennington, VT 2 Bedrooms 3 Bathroom Basement Garage In-Ground Pool
Welcome Homes | Saturday, September 28, 2019
OUT AND AWAY
Sandgate, VT 2 Bedroom 1 Bathroom 2+ Car Garage 7,5 Acres
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Saturday, September 28, 2019 | Welcome Homes
No. 1325.........$142,900
EXCELLENT LOCATION
Shaftsbury, VT 3 Bedrooms 1 Bathroom 3 Car Garage 6.60 Acres
No. 392.......$179,700
SHAFTSBURY LOG HOME Shaftsbury, VT 3 Bedrooms 4 Bathrooms 2 Car Attached Garage No. 713.... .$288,000
PRIVATE LOCATION
Shaftsbury, VT 3 Bedrooms 2 Bathrooms 1.22 Acres
No. 1313........$139,900
GREAT LOCATION Bennington, VT 3 Bedroom 1.5 Bathrooms Large yard Rear deck
No. 271.........$169,900
CENTER HALL COLONIAL
Bennington, VT 4 Bedroom 1.5 Bathrooms Rear deck Dead End Street No. 2374......$214,900
The Bennington Banner | BenningtonBanner.com
LOCATION, LOCATION, LOCATION Bennington, VT 4 Bedroom 2 Bathroom 1 Car Detached Garage Great neighborhood No. 390.........$239,900
No. 222........$369,900
ARLINGTON CONDO
Arlington, VT 2 Bedrooms 1 Bathroom Pine Knoll
No. 655.........$110,000
GREAT BUSINESS OPPORTUNITY
Shaftsbury, VT Lots of parking Many possibilities Offices, Retail, Commercial and more OPEN HOUSE 10/5 10-Noon No. 1321.........$249,900
No. 1837 ... .$114,900
GREAT MANCHESTER HOME
COUNTRY CLUB AREA
Manchester, VT 3 Bedroom 2.5 Bathroom 2 Car Attached Garage Private Location No. 2232.........$295,000
Shaftsbury, VT 4 Bedrooms 2 Bathrooms 5.03 Acres 2 Car Detached Garage No. 1520.........$329,900
Bennington, VT 5 Bedrooms 3 Bathroom 2 Car Attached Garage 1.61 +/- acres No. 1344.........$335,000
GREAT VALUE Bennington, VT 3 Bedroom 1 Bathroom 1 Car Detached Garages No. 1838.......$110,000
RIVER FRONTAGE Bennington, VT 2 Bedroom 1.5 Bathroom 2 Car Detached 4.4 Acres
No. 1923 ... .$129,900
Did you know?
AMAZING SHAFTSBURY HOME Shaftsbury, VT 3 Bedrooms 3 Bathrooms 2 Car Attached & 2 Car Detached 44.5 Picturesque Acres
GENTLEMAN S FARM
CHARM AND CHARACTER Bennington, VT 2 Bedroom 1 Bathroom 1 Car Detached Garage
No.1359.........$429,000
There are 3 agents in our office that specialize and only work with people interested in purchasing homes. These buyer specialists can assist in every facet of your purchase...at no cost to you! Call to schedule your showing or consultation with a buyer specialist today!
802-442-3344
Brenda Jones Real Estate Group TAKE A LOOK
Bennington, VT 4+ Bedroom 3 Bathroom 2 Acres 2 Car Attached No. 1235.........$329,900
UNIQUE CONDO
Bennington, VT 3 Bedrooms 2.5 Bathrooms 2nd and 3rd floor
No. 454.......$124,900
POWNAL HOME
Pownal, VT 2 Bedrooms 2 Bathrooms
No. 796.........$99,900
802-442-3344
219 North Street, Bennington, VT 05201
BenningtonHomes.com
COUNTRY SETTING
Shaftsbury, VT 3 Bedrooms 1.5 Bathrooms 1.34 Acres
No. 434.........$159,900
TERRIFIC LOG HOME
Bennington, VT 3 Bedrooms 2.5 Bathroom 1 Car Attached Garage Dead End Location No. 326.........$259,900
GREAT FIND
Pownal, VT 3 Bedrooms 1 Bathroom 2 Car Garage
No. 488.........$139,500
The Bennington Banner | BenningtonBanner.com
4
802-442-3344
No. 1980.........$229,900
OLD BENNINGTON HOME
Old Bennington, VT 4 Bedroom 2.5 Bathroom 1 Car Basement Garage
Contact us for additional information on any of these listings:
Call us for your FREE
Home Buying Guide
AMAZING FARMHOUSE
North Bennington, VT 2 Bedrooms 3 Bathroom Basement Garage In-Ground Pool
Welcome Homes | Saturday, September 28, 2019
OUT AND AWAY
Sandgate, VT 2 Bedroom 1 Bathroom 2+ Car Garage 7,5 Acres
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Saturday, September 28, 2019 | Welcome Homes
Go Home Happy with a Loan From PrimeLending NATIONAL STRENGTH, LOCAL EXPERTISE As a leading national mortgage lender,
we focus on making home loans efficient by providing the guidance and support
The Bennington Banner | BenningtonBanner.com
Home inspections 101
6
The process of buying a home can be unlike any experience prospective buyers have ever had. After finding a home they like and coming to an agreement on a sale price with the seller, buyers can expect to add many items to their to-do list. One of the first things to jot down on that list is scheduling a home inspection. Home inspections are a vital part of the home buying process. Such inspections can protect buyers as they’re on the cusp of making what will likely be the most significant investment of their lives. Understanding the home inspection process can help buyers during an exciting yet potentially nerve-wracking time in their lives.
What is a home inspection? The American Society of Home Inspectors defines a home inspection as an objective visual examination of the physical structure and systems of a house. Inspectors will conduct visual examinations from the roof to the foundation of the home. Additional structures on the property, such as sheds or detached outdoor living areas, are not typically included in the examination.
What do inspectors examine? The ASHI notes that inspectors will examine the condition of various parts of the home. The heating system, central air conditioning unit, interior plumbing and electrical systems, roof (though inspectors will not climb onto
the roof), attic and insulation will be examined. Inspectors also will examine walls, ceilings, floors, windows, doors, the foundation of the home, basement (or crawl space), and structural components.
Can a home fail inspection? Homes cannot fail home inspections, which are just assessments of a home’s existing condition. Municipal inspections are separate inspections conducted by government agencies to verify that a property is in compliance with local codes. Home inspectors will provide detailed reports describing the condition of a home and indicate if any repairs are in order.
Do I really need a home inspection? A home inspection is a vital component that can help buyers make the most informed decision possible. Forgoing an inspection can leave buyers vulnerable to potentially costly repairs and issues with a home that might have been detected with a proper home inspection. In addition, some lenders insist that buyers have home inspections conducted before they will allow them to borrow money. Home inspections can protect home buyers as they prepare to make the most significant financial investment of their lives. More information about inspections can be found at www.homeinspector.org.
that you deserve. We strive to make the entire process transparent by providing
clear communication, valuable insight and timely results. Whether you want to buy
a house, renovate or refinance, we offer a wide variety of loan options for different budgets, along with down payment assistance programs.*
Call today to get started.
Betty Swartz
Loan Officer, NMLS: 142390
802-442-0610
bswartz@primelending.com 126 Main Street, Suite 1C Ludlow, VT 05149
*Certain restrictions apply. Not available in all areas. Please contact your PrimeLending loan officer for more details. All loans subject to credit approval. Rates and fees subject to change. ©2019 PrimeLending, a PlainsCapital Company. (NMLS: 13649) Equal Housing Lender. PrimeLending VT lender lic no. 6127 and broker lic no. 0964MB. V010918
Welcome Homes | Saturday, September 28, 2019
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Saturday, September 28, 2019 | Welcome Homes
Your Hometown Realtor since 1968 YOU CAN HAVE IT ALL!!!!
Custom 3BR/2BA Cape on 4.81 acres near Old Bennington in Monument School District. Open floorplan, cathedral ceilings, fireplace, hardwood floors, attached 2-car garage.
$299,900 Listing Agent: Kelley McCarthy
W NE
c. 1800s barn conversion facing the view on 9.8 cleared acres with open design concept. Oversized 2-car garage and 2-story attached apartment.
$450,000 Enchanting 4BR/4BA Cape on 2.29 private acres in Arlington. Updated Kitchen, hardwood floors, gas fireplace, full finished basement, 2-car garage.
$329,500
The Bennington Banner | BenningtonBanner.com
Listing Agent: Suzy Yucht
Bordered by the Walloomsac River and a Tributary, this incredibly maintained Classic New England 3BR/2BA home is sited on 8.12 acres with two-story historic barn. Must See!
Protected view of the shires valleys & farms, bordered on the west by the Taconic Mtn. Range with incredible depth and detail.
$369,000 Listing Agent: Lori Hurley
Kathleen Hoisington - 379-1656 • Kim Warren - (518) 944-4620 • Joyce Scarey - 688-7243 • Suzy Yucht - 688-9314 • Kelley McCarthy - 802-779-4115 • Nancy Stagnitti - 518-258-0318 Tim Corcoran - 688-6279 • Ted Bird, Commercial Agent - 379-1144 • Linda McLenithan 802-375-3632 • Lori Hurley - 508-320-9014 • Nancy Woltman - 802-345-8095 • Phil Lewis - 681-5848
CALL US ANY TIME
(802) 442-8337 • FAX (802) 442-1098
489 Main Street, Bennington, VT 05201• E-mail: info@hoisingtonvt.com Internet: www.hoisingtonvt.com • M-F 8 am-5 pm, Sat 9 am-12:30 pm, Sun by appt.
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