Home Buying Tips

Oct. 16, 2026

Congress Has Patched Flood Insurance 36 Times Since 2017. The Next Deadline Is December 11.

A white Vermont farmhouse on a small rise surrounded by calm floodwater under storm clouds, with golden light breaking through

Quick Answer

The National Flood Insurance Program (NFIP) is authorized through December 11, 2026. If Congress does not extend it, the NFIP cannot issue new or renewal policies until it is reauthorized. Existing policies stay in force, claims are paid while FEMA has funds, and private flood insurance …

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Oct. 16, 2026

Mortgage Rates Hit 7.40%, the Highest Since November 2023. Here Is the Vermont Math.

A small white farmhouse rising beneath a hot-air balloon over autumn Vermont hills, illustrating rising mortgage rates

Quick Answer

Freddie Mac's average 30-year fixed mortgage rate rose to 7.40% on October 8, 2026, up from 7.28% a week earlier and 6.30% a year ago, the highest since November 2023. On a $400,000 loan, principal and interest is about $2,770 a month, $294 more than a …

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Oct. 9, 2026

Waterbury and Duxbury Real Estate Market Guide, 2026: Three Markets Side by Side

Quick Answer

Waterbury and Duxbury are three markets, not one. In 2026, single-family homes in Waterbury village (05676) sold at a median of $475,000 in 39 days, homes in Waterbury Center (05677) sold at a median of $804,250 in 5.5 days, and homes in Duxbury sold at a median …

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Oct. 3, 2026

HOA Fees in Vermont: What Buyers Pay at Closing and Every Month

By Tony Walton, Principal Broker, New England Landmark Realty · Updated October 3, 2026

Quick Answer

HOA fees in Vermont affect a purchase twice: at closing, where you typically reimburse the seller for prepaid dues and may pay association transfer or capital fees, and every month after, …

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Posted in Home Buying Tips
Sept. 24, 2026

Stowe Short-Term Rental Rules: The 850-License Cap Is Now Law. What Buyers, Sellers, and Owners Need to Know

Quick Answer

Stowe did not ban short-term rentals. It capped them. The Selectboard adopted the Short-Term Rental Ordinance 5-0 in late July 2026. Beginning September 15, 2026, the Town issues no more than 850 general STR licenses, licenses do not transfer to a buyer, and new licenses come only …

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Sept. 8, 2026

Inside The Deal: What I'm Actually Telling Buyers and Sellers This Summer

 

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May 29, 2026

The Vermont Down Payment Reality: Why Your Neighbor's Equity Isn't Your Starting Point

By New England Landmark Realty LTD

Vermont home in spring with forest surroundings

There's a particular cruelty baked into real estate's arithmetic. Repeat buyers arrive at the table with ammunition—equity from the last property, a down payment that doesn't require dividing their life savings into quarters. First-time buyers? We start at zero, which in …

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Posted in Home Buying Tips
May 21, 2026

Cool Appliances vs. Smart Kitchens: What Actually Changes How You Cook

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May 12, 2026

Everyone's Watching Rates; Nobody's Watching Inventory

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April 27, 2026

Adding a Sunroom: Smart Expansion or Expensive Flattery?

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