New England Landmark Realty covers the Vermont real estate market 

from the inside — market data, buyer strategy, seller timing, land 

use regulation, and the policy decisions shaping what homes cost and 

who can afford them.

 

Tony Walton has been working Vermont real estate since 1978. 

The analysis here reflects that depth.

 

Browse by topic below, or use the search to find what you need.

Feb. 24, 2016

6 Steps to Year-Round Curb Appeal

We all want to come home to a house we’re proud to live in. But sometimes, especially when the wintery greys of Vermont are all around us, curb appeal takes a back seat. Never fear, we found this Realty Times article by Andrea Davis with easy steps for year-round curb appeal.

Exceptional curb appeal will add to the enjoyment and value of your property and home. Maintaining your curb appeal throughout each season may pose its challenges, but with these tips, you can ensure that your home and landscaping will look their very best throughout the year.

#1 Clean It Up

A thorough power wash is essential for maintaining the cleanliness of your home, driveway and walkways. Many homeowners prefer to do this in the spring, but you might consider an additional wash in the fall as well. By keeping your landscape free of debris like broken branches and dead trees, you can better maintain the appearance of your property.

#2 Planting for Seasonal Interest

It's helpful to plant with each season in mind to ensure that your landscape looks great year-round. Spring bulbs and flowering trees add visual interest to your landscape at the start of the growing season. A lush lawn and pots of colorful annuals can provide eye-catching appeal in the summer. Think about late summer perennials and deciduous trees or shrubs that boast spectacular fall colors. Evergreens are classic winter plants, but you might also wish to plant trees like birch or interesting shrubs to draw the eye.

#3 Vertical Interest

To avoid flat looking landscaping, be sure to include vertical interest. Arches, even when bare during the winter season, will add visual interest to your front yard. Hanging plants, vines, climbing plants, trellises and even a decorative light post will ensure that your yard has a visual balance year-round.

#4 Hardscaping

Plants aren't the only method of achieving excellent curb appeal. Consider replacing a worn-out front walkway with elegant cobblestone or brick pavers. Replace mulch with stone or encircle trees and shrubs to achieve a more formal look for your property. Boulders can be strategically placed to draw the eye and provide further visual interest for your setting.

#5 Tackle Problem Areas

If you have a slope that's difficult to mow or a sunken section of landscaping that always seems to flood, consider a solution. A low-maintenance, terraced garden is ideal for sloping sections of land that are difficult to mow. On the other hand, there are no-mow grasses that can replace a traditional lawn. Installing adequate drainage for low-lying areas of your landscape can help reduce the flooding that occurs during stormy seasons.

#6 House Appeal

You can increase the year-round curb appeal of your home by maintaining its outward appearance. A pleasing door, elegant fixtures, contemporary railings, eye-catching shutters and stylized window boxes will go a long way to boost your curb appeal. For an additional wow factor, consider expanding your porch or replacing worn siding to improve the appearance of your home.

Conclusion

Great curb appeal begins with assessing your current setting. When you do install new features, it's important to consider how they will appear during each season.

Click here to see the whole article.

Posted in
Feb. 17, 2016

Things to Consider When Purchasing Land in Vermont (Updated for 2025)

    • Posted 
By New England Landmark Realty LTD

1. Budget: The Foundation of Your Search

2. Location: Vermont's Personality in Every Town

3. Permitting: Know the Rules

4. Septic Systems: Hidden Costs Below Ground

5. Utilities: Connecting the Dots

6. Driveways: The Gateway to Your Land

7. Impact Fees: Watch for Hidden Expenses

8. Other Considerations

Why Buy Land in Vermont?

Posted in Community Insights
Feb. 10, 2016

Show Your Home Some Love This Month

We all love (or at some point loved… hopefully) our homes, but how often have we shown it? It is the roof that keeps the snow out after all! So this month we urge you to give back. Why? Because no matter if you’re selling, just moved in, renting, or in your happily ever after home, if you show your house some love, it will surely return the favor.

And to help you do that, here are a few simple ways Bob Vila (from This Old House, bobvila.com, and a few other shows) suggests you show your love:

  1. Arrange Flowers: There’s a reason we associate flowers with love and happiness, especially this time of year when the outside world is cold and gray. The next time you’re running errands, why not grab an assortment, or a dozen stems of your favorite flower? Apart from the beauty of the blooms, your house will reward your generosity with a wonderfully fresh scent. 
  2. Replace the Shower Curtain: It’s cosmetic, sure, but while you’re saving up for a full remodel, replacing the shower curtain is an easy, quick, and inexpensive shortcut on the way to a rejuvenated bath.
  3. Countertop TLC: While normal cleaning will make your countertops look good, a bit of extra care will make them look great. Whether laminate, granite, marble or stainless steel, there are great ways to maintain the countertop material in your kitchen. 
  4. Restore Cabinets: If your stained or painted wood cabinets have seen better days, give them a facelift. Your level of investment in the required tools and materials will be small, and the immediate payoff to the look of your kitchen is likely to be huge.
  5. Hang Art: Artwork can transform any room in an instant. Choose a piece that appeals to your taste and complements your existing room decor.
  6. Upgrade Your Furnace Filter: It’s easy to keep buying replaceable fiberglass furnace filters, but if you really want to treat your HVAC system well, consider stepping up to a model that improves air quality and energy efficiency.
  7. Organize a Closet: While it may take some serious effort, putting your closets in order will not only make you feel better, but will also make your life easier. Take measurements and use appropriate storage hooks, containers, and shelves to corral your closet items.
  8. Clean Your Carpets: Really clean them. Either hire a professional or rent one of those heavy-duty cleaning machines over a long weekend. Sure, the carpet may look clean enough, but a thorough conditioning not only removes dirt, but also redistributes the pile, making the carpet appear new again.
  9. Paint a Room: Just one! Whether you’re changing the color or not, a fresh coat of paint is almost never a bad idea. And for as little as $25 a can, painting is one of the easiest home improvement projects you can tackle.

Check out the original article and links additional help with these tips here.

Posted in
Dec. 24, 2015

Happy Holidays and Wonderful New Years

 

We want to wish everyone a big Happy Holidays and wonderful New Years from our New England Landmark Realty family to yours. May your festivities be festive, food be filling, and the houses you celebrate in feel like home. We hope 2016 brings health, good fortune, and way too many laughs to count. 

<3 New England Landmark Realty Family

Posted in
Dec. 17, 2015

6 Tips For Selling Your Home This Winter

In Vermont, we know winter will, eventually, come. It's not always the most attractive time of year to be showing off your home, but since everyone is in this same boat, why not use the winter glum to your advantage! We found this article by Andrea Davis with 6 tips to make your house #1 on the market:

#1 Warmth is top priority.

Your home should always be warm when a realtor conducts a walkthrough with buyers. Set a timer on your thermostat so it's warm when they arrive. Also, make sure to check there are no leaks or problems with your ducts and vents, as this could make rooms cold during a walkthrough.

#2 Keep the house bright.

It's also important to ensure that your home is adequately lit in each room. You want buyers to feel welcome and impressed with the kitchen, bathroom and bedrooms of your home. If a room has dim lighting or a burned-out bulb, it could take away from the overall appeal of the room. You should also consider spending a little extra money to upgrade your lighting fixtures --installing recessed lighting in certain rooms will give your home a little extra "pop." Standing lamps are also a fantastic, affordable alternative to lighting additions

#3 Try to make your landscape appealing.

Although your yard will be mostly winterized during this time of year, there are several ways to spruce up your cold weather landscaping. Start by clearing your yard of any broken branches or large patches of fallen leaves. It's also important to ensure that any ice or snow on or near your home's walkway is removed. If needed, you can hire a weekly snow removal service to keep your home safe for buyer walkthroughs.

#4 Make the interior cozy.

In addition to keeping your house well-lit and warm, there are other ways to make your home cozy and welcoming to buyers. This includes:

  • Classical music (at a low volume)
  • Homemade treats (candy, cookies)
  • Holiday decorations (tinsel on the mantle, for example)

You want buyers to feel as though they already live in your home when they walk through the door. When you offer them a cozy setting, they will want to spend more time in your home and admire its features.

#5 Keep the fireplace lit.

While you should have the heat on during a walkthrough, another warm and cozy feature is the fireplace. If you've got a wood-burning model, this means you'll need to have coal or wood handy. You don't want to have multiple showings a day and a fireplace that roars for only half the visitors. This is especially important if the fireplace is close to the entrance (all of that cold air gets in!).

#6 Prepare for any storms.

Make sure there's an emergency kit on hand in your home in case your home suffers an outage during a winter storm. This should include items like:

  • Extra candles
  • Matches
  • Blankets
  • Car charger
  • Canned food
  • Flashlight
  • Water

While your realtor should be prepared for inclement weather, it's important that you be prepared to keep everyone safe should the worst happen during a showing. And don't forget to keep a secondary travel emergency kit to take when you're leaving for showings as well.

Feel free to ask us for any other tips and tricks (we have a few of them up our sleeves).

Click to see the original article at Realty Times.

Posted in
Dec. 1, 2015

Why Putting Up A little More May Cost You Less


Maurie Backman has excellent advice for home buyers. Sometimes paying a little more upfront could save you much more later.

You've worked. You've saved. You've scraped together enough for a down payment, and now it's your turn to get a piece of the good old American Dream in the form of your very own house. But before you bust out that bottle of celebratory champagne, be prepared to do a little extra number-crunching, because while your down payment is certainly a good start on the road to homeownership, there are other costs you'll need to account for as part of the process.

Making your down payment
Let's talk about that down payment for a second. Though you might get away with less, it's in your best interest to come up with 20% of your home's purchase price to avoid private mortgage insurance, or PMI. To minimize its risk, your lender will probably slap you with a PMI requirement if you fail to put down that sought-after 20%, in which case you could be looking at an extra 0.5% to 1% of your loan amount.

Say you take out a $200,000 loan and are hit with PMI at a cost of 1%. That's an extra $2,000 a year, or $166 per month on top of your regular mortgage payment. Plus, unlike regular mortgage interest, your PMI isn't even guaranteed to be tax-deductible. In other words, if you can come up with that 20% payment, you'll avoid what's essentially a penalty for not putting enough down. But even if you do manage to plunk down 20%, there are other up-front costs to consider.

Closing costs
There's a whole load of paperwork that goes into buying a house, and naturally, you'll pay for it. Your closing costs might include things like attorney fees, loan origination fees, recording fees, title fees, and survey fees. Is that enough fees for you? Closing costs typically encompass 2% to 5% of your home's purchase price. This means if you're buying a home for $220,000, you can expect to shell out anywhere from $4,400 to $11,000 in up-front fees. Now the good news is that your lender is required to provide a good faith estimate of what your closing costs will be so that you're not in total shock when those fees come in. The problem, however, is that your estimate can change by up to 10%, so you'd be wise to stash away a few extra thousand dollars to be on the safe side.

Prepaid escrow fees
Many lenders have a practice of escrowing money for real estate taxes and homeowners insurance. If your loan comes with an escrow provision, the upside is that your lender will make these scheduled payments for you so that you don't have to worry about them. The bad news is that since lenders generally aren't willing to take many chances, yours will likely require you to pad your escrow balance when you close on your loan. This could mean prepaying anywhere from two to six months or more of real estate taxes and homeowners insurance. Let's say your annual taxes and homeowners policy cost $6,000 and $1,000, respectively. If your lender requires a three-month deposit, you're looking at an additional $1,750 at closing.

On top of these costs, you'll need to think about things like home repairs and moving fees. Professional movers could cost several hundred to several thousand dollars depending on the amount of stuff you've got and the distance it needs to be hauled. Similarly, unless you're buying brand new construction, there's a good chance you'll need to tackle a few up-front repairs before settling into your home. While your home inspection should clue you in to the types of repairs you're looking at and their associated costs, you could be in for some surprises once you take ownership of your new abode. This is why it's crucial to set some funds aside to cover the unknowns of owning a house, many of which could rear their ugly heads from the get-go. So before you get ready to empty your savings account and convert that money into a down payment, make sure you've got enough cash on hand to cover the additional costs of buying a house. Otherwise that nice bottle of champagne may be the last one you'll crack open for quite some time.

The $15,978 Social Security bonus most retirees completely overlook 
If you're like most Americans, you're a few years (or more) behind on your retirement savings. But a handful of little-known “Social Security secrets” could help ensure a boost in your retirement income. In fact, one MarketWatch reporter argues that if more Americans knew about this, the government would have to shell out an extra $10 billion annually. For example: one easy, 17-minute trick could pay you as much as $15,978 more... each year! Once you learn how to take advantage of all these loopholes, we think you could retire confidently with the peace of mind we're all after.

View the full article here: http://www.fool.com/investing/general/2015/11/29/buying-a-house-why-your-down-payment-isnt-enough.aspx

Posted in
Nov. 25, 2015

Happy Thanksgiving

 

From our family to yours we wish you a truly wonderful Thanksgiving in houses that feel like homes. We are thankful for the fortune of spending this holiday with our friends, family, and community. We hope the holidays bring much joy to you and those close in your life. Happy Thanksgiving!

Posted in
Nov. 17, 2015

Determining a Home's Value

We thought this article by Liston Steven had some great points that may not always be top of mind. 

Interested in buying a piece of real estate? Many real estate investors and first-time homeowners seem to focus on the style and functionality of their potential purchase, thinking that these aspects help to increase the property's value. They seem to have forgotten the popular adage, “location, location, location.”

The truth is, the physical structure depreciates as time goes on, it is the land that increase in value. This is very important to note because buying a home is a huge purchase, one of the biggest in most people's lives. If you don't look at your investment from all angles and understand everything that drives the value of your home, you can limit your opportunity to increase your wealth.

Land appreciates in value because, as the population grows, the demand for it grows and it's in limited supply. When you focus on the land underneath the structure, this can help you find more efficient investments that will give you the best return for your money.

It's not to say that the appearance of the home doesn't increase the value of the property, but it's impact is less that you may think. When you understand how location and future estimates of land value will influence property return you can then make better investment decisions.

Here are some considerations of the top things that determine a home's value to ponder before you purchase your next home:

  1. Smaller and/or less attractive home can provide you with more bang for your buck: This is because all homes in a neighborhood, no matter the size or aesthetics, appreciate by approximately the same amount every year
  2. Your location within your neighborhood will affect the value of your land: Because they get less traffic and the implied increase in safety for children, homes in cul-de-sacs are more in demand than others with more traffic.
  3. The average age of your neighbors can tell you how much your property will appreciate: For instance, neighborhoods with older homeowners are less in demand for home-buyers with children.
  4. Future prospects of development can change your property's value: You must be aware of both the present state of local amenities as well as the future prospects for governmental and commercial development in the area. Both of these factors will influence whether your land will appreciate or depreciate.

An effective real estate investor looks past the physical attributes and the style of prospective purchases and, instead, focuses on the land appreciation potential. So, in order to be successful, you must overlook the more beautiful homes for a great location that provides opportunities for improvement that will increase the value of the land.

Read the original article here.

Posted in
Nov. 13, 2015

How to Shop for a Mortgage in Vermont (2025) | Interest Rate & Loan Comparison Tips

Shopping for the best mortgage interest rate is just as important in 2025 as it ever was. With Vermont home prices still competitive and interest rates fluctuating, it's more important than ever to compare offers and understand how different loan options impact your long-term costs.

Woman researching mortgage rates on laptopWhile many Vermont homebuyers will shop around for the best deals on furniture or home insurance, they often accept the first mortgage offer they receive. But a difference of just 0.25% in your interest rate could mean thousands of dollars over the life of your home loan.

Luckily, you have the power to compare lenders and negotiate rates. Here’s how to take control of your mortgage financing in 2025.

1. Choose the Right Loan Type

Start by comparing loan types: fixed-rate, adjustable-rate (ARM), or hybrid loans. Fixed-rate mortgages offer predictability, which is ideal if you plan to live in your Vermont home for many years. ARMs offer lower introductory rates but can rise later. Hybrid loans, such as 5/1 ARMs, offer fixed rates for a few years before converting to variable rates.

Mortgage calculator imageIn today’s market, most Vermont homebuyers still favor 30-year fixed loans, especially as interest rates remain relatively stable. However, if you expect to move within five years, an ARM may offer short-term savings.

2. Compare Loan Terms

Loan terms affect both your monthly payment and total interest paid. Common terms include 15, 20, and 30 years. While shorter terms mean higher monthly payments, they also result in lower interest paid overall. Use a mortgage calculator to estimate your monthly budget and total loan cost.

3. Understand What You Can Afford

In 2025, lenders generally prefer that your mortgage payment doesn’t exceed 28% of your gross monthly income. Combined with all debts, your total debt-to-income ratio should remain under 43% to qualify for most Vermont mortgage programs. Lower ratios may help you secure better rates from lenders.

4. Gather Your Application Info

When you're ready to compare lenders, provide the same information to each. This allows you to get accurate rate quotes and closing cost estimates. As of 2025, mortgage disclosure rules still require these six items before a lender can issue a Loan Estimate:

  • Your full name
  • Your income
  • Your Social Security number
  • The property address
  • The purchase price
  • The loan amount requested

5. Review Your Loan Estimates

Woman speaking with mortgage broker on phoneAfter submitting your application information, lenders must provide a Loan Estimate within three business days. This document outlines interest rate, monthly payments, loan terms, and estimated closing costs. Review each quote carefully to determine which offers the most favorable overall cost.

6. Consider Local Vermont Mortgage Options

Don’t overlook local Vermont lenders and credit unions, which may offer competitive rates, lower fees, or programs for first-time buyers and energy-efficient homes. Organizations like the Vermont Housing Finance Agency (VHFA) offer down payment assistance and reduced-rate programs for qualified buyers.

7. Final Tip: Negotiate and Lock Your Rate

Once you find a lender and loan that fits your needs, ask about locking in your interest rate. Rates can change daily, and a lock ensures your rate won’t increase before closing. In some cases, lenders may offer a rate lock with a float-down option if rates drop before your loan closes.

Being proactive in the mortgage process can help you secure the best deal—and save thousands over the life of your loan. Don’t settle. Compare, calculate, and negotiate like the savvy Vermont homebuyer you are!

Want more help navigating Vermont mortgage options? Check out our Ultimate Buyer’s Guide for everything you need to know.

Originally inspired by advice from Blanche Evans. View the original 2015 article here.

Posted in Home Buying Tips
Nov. 5, 2015

We've Got Spirit!

If you're a fan of craft beverages, you'll be a fan of our neck of the woods. This year the National Brewers Association found that:

·       Vermont has more breweries per capita than any other state in the US

·       We produce 16.2 gallons of beer per year per every 21+ adult

·       We have 1 brewery per every 11,628 (21+) adults

And new breweries, distilleries, wineries, and cideries are popping up all the time.

Local brewers, vintners, distillers and cider-makers have put our area on the map. As of right now our area claims fame to:

·      The Alchemist Brewery, aka creator of the World's #1 beer: Heady Topper

·      Boyden Valley Winery & Spirits

·      Crop Bistro & Brewery

·      Prohibition Pig Brewery

·      Rock Art Brewery

·      Shed Restaurant & Brewery

·      Smuggler' Notch Distillery

·      Stone Corral Brewery

·      Stowe Cider

·      von Trapp Brewing

So yes, you could say we have spirit.

Posted in