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Don't Wait Til Spring to Plug Up Those Drips and Leaks

by Nancy Jenkins, CRB, CRS

 Last year brought Vermont the worst flooding since 1927, turning communities across Vermont into islands. Remember all the rain? The wet basements? The water damage?

This year, before "April showers bring May flowers," use the cold, wet weather of winter to find places where your home may be leaking water and heat. This is your chance to seal up tight in advance of light or heavy seasonal flooding -- and develop a wish list for energy-saving improvements.

Your first order of business should be to make sure no water is getting in.

Carefully check every spot where condensation or water could enter your living areas and storage spaces. Scrutinize ceilings, under the roof, under the eaves, and along window and door frames and ventilation seals. Make a list of trouble areas that need repair, and decide in each case whether you can fix it or it's time to call in a professional.

Don't forget about potential water damage near toilets, sinks, tubs, and showers. Use a flashlight to check the crawl space or basement walls and floors and the underside of the first-story floor. Look for visible moisture and stains caused by moisture. When you find something, the remedy will depend on the source of the leak. You may just need to re-caulk around a tub or window, or you may need to call a plumber to replace a leaking fixture.

Put securing your home for a wet spring on your Honey, Do List!

Guest Blog: Choosing Your Mortgage Lender

by Mark Benton, Mortgage Planner

These days you have many options for mortgage financing. Many web-savvy folks will apply right online or call an 800 number to apply. Many people check on financing while surfing the web for properties. 

My advice…Buyer beware! Do you really know who’s on the other end of the line? Is it someone in Kansas who’s not even licensed in Vermont? Do they know about Vermont-specific closing costs, like the Vermont Property Transfer Tax and what percent the buyer pays? Are they using local appraisers who are familiar with the specific market in which you’re buying?

If you ask your local realtor or attorney who to choose for your mortgage financing, they will strongly suggest working with a lender who lives and works in your area. They all have horror stories about the long-distance lender who made the process difficult for their buyer(s) and, consequently, the seller(s).

You may think, “Well, it’s more convenient for me to call after work and get pre-qualified. I can’t call my local lender at 8:30 at night.” But you would be surprised at how flexible your local lender can be. As a local mortgage lender, I realize that it is often difficult to meet during the work day and you need to meet after office hours. I’m always willing to meet on evenings or over the weekend. Often I will gather a lot of your information over the phone before we even meet in person.

I will work closely with your realtor and closing attorney to make the process go as smoothly as possible, minimizing any chance for a last-minute surprise! I live and work in the community. My rates and closing costs are among some of the best and most competitive in the market. I’m easy to reach and you can contact me anytime during the process with questions and I will call you back! I’m here to make your home-buying process an enjoyable one. My number is (802) 863-0403 x 223

Mark Benton is a Mortgage Planner with Regency Mortgage Corporation in South Burlington, Vermont (NMLS 94675). He, his wife, and two children live in Essex Junction.

Our Vermont Realtor Code of Ethics

by Nancy Jenkins, CRB, CRS

Did you know that we Vermont realtors take a pledge every year to uphold strong values and good business practice in all of our real estate dealings? It's an affirmation of the high level of business ethics that we share here in Vermont. 

The pledge emphasizes honesty, knowledge, fairness, and good conduct, among other ideals.

As proud Vermont realtors, we make this pledge to you:
 

* * * I Pledge Myself * * *

To protect the individual right of real estate ownership

and to widen the opportunity to enjoy it;

To be honorable and honest in all dealings;

To seek better to represent my clients

by building my knowledge and competence;

To act fairly towards all in the spirit of the Golden Rule;

To serve well my community, and through it my country;

To observe the REALTORS (c) Code of Ethics

and conform my conduct to its lofty ideals.

Happy Valentine's Day: Home Is Where the Heart Is

by Nancy Jenkins, CRB, CRS

Make this a Valentine's Day to remember 
by finding a new home that really sets your heart on fire: 
www.nancyjenkins.com/Properties

Together, we can put a red bow around the front door of a house,
"On the Street Where You Live." 

We're passionate about these two homes that "Move Us":

                    

Underhill - $265,000                                           Burlington - $280,000 


And we love referrals! Send us your friends & loved ones for a match made in heaven.

We're yours. Be ours?

-The Nancy Jenkins Team

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Nancy Jenkins
Nancy Jenkins Real Estate
140 Kennedy Drive, Suite 102
South Burlington VT 05403
802-846-4888
Fax: 802-846-4899