• We will come to understand your particular needs
• You become familiar with how we work
• You can place confidence in our ability
• You develop rapport necessary to communicate easily
• We will prepare a market analysis to be able to counsel you on price
• We will be able to give you advise based on over 25 years of sales experience

Benefits of a Buyer Agency

• Exclusive representation – Complete loyalty without conflicts of interest
• Confidentiality concerning your money and motivations
• Unbiased showing of all available homes whether listed or offered by owners
• Information and advice on weaknesses and strengths of a property
• Analysis of sales data to determine the true property value
• Disclosure of everything we as agents know or can discover
• Tough negotiating to get you the best price and terms
• Hassle-free relocation – your interests and timetable are foremost
• A fair and straightforward buyer agency agreement
• An agent/agency that gets the job done right with no surprises

Your Interests are Professionally Represented

• A Buyer Broker Agreement enables you to hire a personal representative who, by law, must exclusively represent your best interests at all times.
• They will guide you through the home buying process
• Structure an offer that protects you
• Negotiate and advise you on the details…so, you can make the best decisions.

Consulting Skills and Personal Service

• A Buyer’s Agent listens to your feedback and concerns about each home.
• They provide comparable sales of homes within the area to help you determine the best price to offer.

Teamwork…Everybody Wins

• A Buyer’s Agent works together with you to form a team. So you don’t feel like they are trying to sell you something. True buyer agents are real estate consultants.

• Loan Amount
• Interest Rate
• Term
• Mortgage Insurance
• Property Taxes
• Home Owner’s Insurance
• and now includes an optional second mortgage calculation

Never again will you have to guess your monthly payment when you’re shopping for homes because you can calculate your payment on the spot…even if you’re in the house you might want to buy! This calculator gives you the confidence you need to make a decision on the affordability of any house.

Not only that but…

This calculator app gives you access to John Abry via phone, email, or the web. You’ll never be alone in the home-buying process again because you’ll have your own real estate professional in your front pocket at all times!
Download this app now to eliminate uncertainty that surrounds buying a home and pin point your monthly payment with laser-like focus.

Click below to get your mortgage calculator  now!

As a member of our Buyer/Seller Connection Club you can receive additional useful tips, forms, lists and discounts that ensure you can make educated and fiscally responsible decisions about the largest investment of your life.

Whether you’re buying, selling or simply maintaining your home make sure you take advantage of our exclusive offers and start saving today!

Contact me for a Free Report “12 Questions to Ask Any Agent” to make sure you hire the most qualified professional for the job.

For veterans and active duty service members who enjoy the outdoors, Colchester, Vermont and the surrounding area is a great location to call home. Aside from beautiful scenery and renowned ski runs, Vermont also provides residents with excellent communities, festivals, and school districts all conveniently located in quiet, natural surroundings. For military veterans interested in purchasing a home in Colchester, the VA home loan program offers them a unique and money saving opportunity to do so catered to meet their needs.

Why Choose a VA Home Loan?

The VA home loan program is the most innovative lending program on the market available to military members. The program was established in 1944 by the Department of Veterans Affairs, and has since helped nearly 19 million veterans and active duty service members alike achieve home ownership. Through the program, military members benefit from competitive interest rates and flexible loan terms from approved lenders such as VA Mortgage Center along with local lenders, and are even able to purchase a home with zero money down.

VA home loans also have higher loan limits than other lending programs offering a zero down payment, which is a great perk to military members wishing to purchase a home in or around Colchester. The average price of a home in Colchester ranges from $260,000 to $315,000 depending on the type of property, and with a VA home loan, eligible borrowers can obtain 100 percent financing without additional out-of-pocket expenditures allowing them the opportunity to invest the money they saved elsewhere.

Who is Eligible for a VA Loan?

The VA home loan program was created to ensure a majority of military members have access to affordable home financing options, and has limited eligibility requirements to ensure this is possible. To become initially eligible for a VA home loan, service members must have completed only one of the following service requirements:

• Have served at least 3 months on active duty during war time
• Have served 181 days on active duty during a time without conflict
• Have served 6 years in the military Reserves or National Guard

Service members will also have to submit a Certificate of Eligibility in order to become eligible for a VA home loan. Potential borrowers should be aware that the VA home loan program does not have any income or credit requirements, but most VA-approved lenders will require a mid-range credit score of at least 620 to secure financing. Interested military members with an imperfect credit history should still consider submitting an application as even those with a history of bankruptcy or foreclosure have been previously approved.

With Thanksgiving fast approaching would you like to know Three Ways To Make Thanksgiving Easy? With all of the relatives getting together would you like to learn How To Mediate?…Even If You Think You Can’t? Looking for a new dessert recipe? Try Butterscotch Poached Pears. How about a chance to win a Free Gift Certificate to Starbucks? And let’s not forget those Helpful Real Estate Tips… Well, put down the turkey knife, your holiday is about to get a lot better because it’s all right here in the November Issue of News You Can Use.

With the holidays quickly coming upon us it’s a time to think of our neighbors in need. Food shelf officials say they are seeing dozens of new clients needing help feeding their families daily. Help us beat last years donation of 966 pounds of turkeys to the Chittenden Emergency Food Shelf! Please consider dropping off anything and everything that makes a great holiday meal at our office anytime during business hours now through Tuesday, November 23. Turkeys can be dropped of on Tuesday (11/23) morning between the hours of 8 am and noon. Weather it’s 1 can of cranberry sauce or a frozen turkey – every little bit helps!

Finally, I want you to know, that you may call me for any reason.  And please let me know if a friend, family member or neighbor need a caring, competent real estate professional to help in buying or selling.

I truly appreciate your friendship and referrals.  Happy Thanksgiving and Click Here to enjoy your issue!

Warmest regards,

Following are real estate statistics for Colchester Vermont as of 09.24.10:

Single Family Homes for sale: 93

Average List Price: $472,110

Currently Under Deposit: 14

Sold Year to Date: 59

Average Sale Price: $301,335

Average Days on Market: 88

Recent Colchester Single Family Home sales:

2000 Marble Island Road $620,000
1872 Colchester Point Road $77,500
553 Church Road $245,000
140 Causeway Road $185,000
132 Barbara Terrace $285,000
78 Robin Road $266,000
60 James Way $260,000
38 Norway Drive $311,000
1926 Colchester Point Road 185,000

Condos for sale: 23

Average List Price: $258,383

Currently Under Deposit: 2

Sold Year to Date: 30

Average Sale Price: $211,949

Average Days on Market: 54

Recent Colchester Condo sales:

76 Hailey’s Way #33 $317,500
502B Dalton Drive $169,500
32-1 Heather Circle $160,000
38 Pebble Beach Road #3 $274,510

The numbers above are from our local Multiple Listing Service (MLS) and can vary widely depending on several factors including but not limited to location, style, condition and circumstances.

Call or email us for statistics specific to your neighborhood, town or city. Search Colchester Homes for sale.

Following are real estate statistics for Colchester Vermont as of 08.12.10:

Single Family Homes for sale: 96

Average List Price:                                                   $469,751

Currently Under Deposit:                                        10

Sold Year to Date:                                                     50

Average Sale Price:                                                  $306,885

Average Days on Market:                                        93

Recent Colchester Single Family Home sales:

419 Windemere Way                                                 $265,000
503 Belair Drive                                                         $3215,500

Condos for sale: 21

Average List Price:                                                   $264,032

Currently Under Deposit:                                        4

Sold Year to Date:                                                     26

Average Sale Price:                                                 $209,113

Average Days on Market:                                        54

Recent Colchester Condo sales:

46-2 Heather Circle Unit 46                                $169,900

The numbers above are from our local Multiple Listing Service (MLS) and can vary widely depending on several factors including but not limited to location, style, condition and circumstances.

Call or email us for statistics specific to your neighborhood, town or city. Search Colchester Homes for sale.

As 2009 was ending, the “experts” were busy making forecasts about the U.S. economy and what to expect in 2010.

With respect to the housing markets, two predictions were made again and again:

1. Home prices would fall in the first half of 2010
2. Mortgage rates would be higher in 2010

Well, it’s July 1 and the year is half-over.  Both predictions are proving to be incorrect. Home values are rising in most markets and mortgage rates are down. Way down.

It reminds us that economists are much more skilled with analysis of the past versus predictions of the future.

A pile of data can only get you so far.

Think of Colchester, Vermont housing market predictions like watching a local weather forecast. A meteorologist can look at the radar and tell you that rain is coming, but it’s never with 100% certainty.  There is always a chance of change.

The housing market is the same way.  Just as the U.S. economy is unpredictable, so are housing prices, and so are mortgage rates.

Therefore, when you have a personal finance decision to make, evaluate your options based on the information at hand today rather than an educated guess about the future. The future, after all, is subject to change — despite what the experts forecast.