Meet Your Realtor
A special publication of the Brattleboro Reformer | Saturday, March 23, 2019
View our new listings at www.BerkleyVeller.com Caring about our community since 1965
119 Western Avenue Brattleboro, VT 802-254-6400 â&#x20AC;˘ 800-388-5454
Celebrating our 54th Year! www.berkleyveller.com
118 Route 100 West Dover, VT 802-464-8900 â&#x20AC;˘ 800-666-1911
Saturday, March 23, 2019
2 • Windham County Meet Your Realtor
Get the best mortgage ﬁnancing deal The vast majority of homeowners secured a mortgage to purchase their homes. Learning about the mortgage process can help new buyers navigate these sometimes tricky ﬁnancial waters. Few people are able to walk into a home, like what they see and then pay for a house in cash. In the vast majority of home purchases, mortgages make the dream of home ownership a reality. Getting a mortgage requires research and some preparation on the part of borrowers if they hope to get the friendliest terms possible. Homes are substantial,
decades-long investments, so it’s smart to shop around to ﬁnd the best rates and lenders available. These tips can make the process of applying and getting a mortgage go smoothly, and may even help borrowers save some money. · Learn your credit score. Your credit score will be a factor in determining just how much bargaining power you have for lower interest
rates on mortgage loans, according to the ﬁnancial resource NerdWallet. The higher the credit score, the better. Well before shopping for a mortgage, manage your debt, paying it off if possible, and ﬁx any black marks or mistakes on your credit report. · Investigate various lenders. The Federal Trade Commission says to get information from various sources, whether they are
commercial banks, mortgage companies, credit unions, or thrift institutions. Each is likely to quote different rates and prices, and the amount they›re willing to lend you may vary as well. Investigating various lenders can help you rest easy knowing you got the best rate for you. Lenders may charge additional fees that can drive up the overall costs associated with getting a mortgage. Compare these fees as well so you can be sure you get the best deal.
Realtor, CBR, Licensed VT & NH
After 30 years on Main Street, David moved to Berkley & Veller Greenwood Greenwood Country Realtors 2 years ago. Over the years he has owned and managed a real estate company here in town. He has always enjoyed working with the buyers and seller to best meet their needs and developed long time relationships in the process. It has always been a pleasure to introduce new people to these wonderful communities here in Southern Vermont. His community involvements have included serving on the Southern Vermont Board of Realtors, Brattleboro Area Affordable Housing, RSVP, past Realtor of The Year, Court Diversion Panel Member and on the Board of Youth Services.
As a lifelong native of VT, with 24 years of experience as a Real Estate Agent, licensed in both VT and NH, I offer my customers and clients a keen familiarity of the area and the local real estate market. I take pride in providing personalized service, catering to the individual requirements of my clients and customers, along with a creative marketing approach. Trained in representation of homebuyers, as well as sellers, I earned my CBR designation (certified buyer representative) in 1996. Many people and services are required to bring a transaction to a successful closing. My years of working fulltime in the field of Real Estate have gained me the contacts and experience needed to guide my clients and customers through the process. If you are considering selling or buying property, I would welcome the opportunity to be of assistance.
David Brown • firstname.lastname@example.org office phone: 802-254-6400 ext 150 • cell phone: 802-579-9966
Contact Heidi at Berkley & Veller Greenwood Country Realtors Office is 802-254-6400 x135 Cell is 802-380-1585 Email is email@example.com
218 Main Street Brattleboro
· Consider a mortgage broker. Mortgage brokers will serve as the middle person in the transaction. A broker›s access to several different lenders can translate into a greater array of loan products and terms from which to choose. · Learn about rates. Become informed of the rate trends in your area. Lower rates translate into signiﬁcant savings amounts per month and over the life of the loan. Rate may be ﬁxed, though some are adjustable-rate mortgages (also
As a REALTOR®, Darlene is able to combine her love of working with people and her strong business skills. She helps her clients make informed decisions as they buy and sell property. Her goal is to create a positive experience throughout the transaction resulting in a joyful conclusion. As a result, most of her clients are referred to her by their friends and family. Since joining the real estate profession she has consistently been a top producer. In the past she has received the Leadership Circle Award for selling more than 6 million dollars in properties. Last year she proudly earned the elite Presidential Circle award by selling 6.9 million dollars in property value. Darlene was born and raised in Brattleboro thus making her very knowledgeable about the area. After fully restoring her antique home in Vernon, VT she then built a new home on the Connecticut River in West Chesterfield, NH with her husband Mark. She has a son, daughter and a step-daughter.
Contact Darlene at Better Homes & Gardens, Masiello Group Office: 802-257-1111 • Cell: 802-380-3471 Email: firstname.lastname@example.org
List with the Leader! Just look at our CLOSED TRANSACTIONS for 2018 compared to our closest competition!* B H & G
THE MASIELLO GROUP
called a variable or ﬂoating rate). Each has its advantages and disadvantages, and a ﬁnancial consultant can discuss what might be in your best interest. · Discuss points with your ﬁnancial advisor and lender. Some lenders allow you to pay points in advance, which will lower the interest rate. Get points quoted in dollar amounts so they›ll be easier to compare. If you›re unfamiliar with points, discuss the concept with your ﬁnancial advisor.
T H E M A S I E L L O G R O U P – 914 Berkley & Veller—368 Re/Max Town & Country—366 Four Seasons Sotheby’s—310 Brattleboro Area Realty—230
*Based on closed units from MLS Statistical Reporting for 2018 for all towns in Windham County, VT & Cheshire County, NH.
Windham County Meet Your Realtor • 3
Saturday, March 23, 2019
How agents and sellers can work together By working with real estate professionals, homeowners can sell their homes quickly. Selling a home can be stressful. Despite this, 5.51 million existing U.S. homes were sold in 2017, according to data from the National Association of REALTORS®. In many cases, homeowners choose to work with real estate agents to facilitate the process of listing, showing and selling their homes. Real estate agents are valuable assets. Agents
Hermitage Deerfield Valley Real Estate
Richard Caplan is the Principal Broker and owner of The Hermitage Deerfield Valley Real Estate office located on Route 100 in West Dover that’s open 7 days a week with 13 agents and a support staff of 2. Caring Realtors with Experience, Commitment & Passion. Rich has been in the real estate business for 30 years and is very knowledgeable in construction, design and land development. He and his family are avid skiers, bikers, hikers and enjoy boating fishing and all the outdoors has to offer.
Contact Rich at Hermitage Deerfield Valley Real Estate 802-464-3055 racaplan@hermitageDVRE.com
have neighborhood knowledge, are educated in pricing trends, can ﬁlter phone calls or emails from buyers who aren’t serious, and can organize all of the people necessary for a closing. Real estate agents provide many services that the average person may not have the time nor the experience to handle. When selecting an agent to sell a home, homeowners may not understand
“Jim prides himself on being the real estate agent that really cares and puts the needs of his clients first. He also understands the power of online marketing, driving him to have a personal real estate website in addition to using dozens of real estate portals and launch sites to market his listings. A native of the Brattleboro area, Jim grew up in Guilford, Vermont wandering the woods and exploring the hills surrounding his home. As he got older, his natural wander-lust kept him travelling the roads of Windham and Cheshire Counties, exploring places he hadn’t been and making new friends along the way. Jim attended Lehigh University before transferring to the University of Vermont to double major in English and Technical Theatre.While at UVM, Jim was proud to serve with several volunteer organizations, including The Vermont Children’s Magazine and Volunteers in Action as well as serving in several leadership positions in the UVM chapter of Alpha Phi Omega, a coed community service fraternity. After college, Jim served as Sales Manager and Sales Trainer for several national companies, including supervising eleven satellite stores throughout Vermont, New York and Massachusetts during the holiday season. Jim’s whole approach to real estate is to provide the best and most complete possible information to his clients and to allow them to make the decision best for them. He is not afraid to work on his client’s timeline, sometimes working with them for years before the perfect home was found.”
Contact Jim at Bellville Realty Cell: 802-380-0684 Website: bellvillerealty.com
that the terms real estate agent and REALTOR® are not interchangeable. Although both must be licensed to sell real estate, the main difference between a real estate agent and a REALTOR® is the latter is a member of the National Association of REALTORS®. NAR ensures that members subscribe to a certain code of ethics. There are many quali-
ﬁed agents, but an agent cannot do his or her job well without some help on the part of the homeowner. These tips can make the process of selling a home go smoothly. · Price the home correctly. Homeowners should trust the agent›s ability to price a home for the market. Everyone wants to get the most money possible, but listing the home for more than it›s worth may cause it to sit unnecessarily for several weeks or months, which could raise red
A.J. is the first e-PRO REALTOR® in the area and prides himself in the use of technology to not only improve the marketing of properties, but also in assisting buyers to find their next home as soon as it hits the market. He also prides himself on furthering his education by earning the CRS (Certified Residential Specialist), ABR® (Accredited Buyer Representative), e-PRO®, EcoBroker®, RSPS (Resort and Second Home) and SFR (Short Sale and Foreclosure) designations. Previously affiliated with Coldwell Banker, A.J. earned national sales awards with inclusion in the International Diamond Society, as well as the International Sterling Society.
Born and raised in Vermont, A.J. took a seven year sabbatical from the area to attend college and work in the Washington, D.C. area. While there, he earned a double degree in Finance and Economics from the University of Maryland (“Fear the Turtle”), while also managing stock market and bank accounts. After seven years of traffic and the “big city”, A.J. decided to return to his roots.
Contact AJ at Bellville Realty Office: 802-257-7979 x1 Cell: 802-380-5514 Email: email@example.com Serving VT and NH
Bellville Realty is proud to serve the real estate needs of Brattleboro, Vermont, and the surrounding area. A full service real estate agency, we provide services throughout Vermont and New Hampshire. Whether you are planning to sell or buy a home, land or commercial property we can help.
255 Western Ave., Brattleboro, VT • 802-257-7979 • firstname.lastname@example.org
Saturday, March 23, 2019
4 â&#x20AC;˘ Windham County Meet Your Realtor
ďŹ&#x201A;ags among potential buyers. Âˇ Market the home. A real estate agent will list the home via a multiple listing service (MLS) on a private website, in newspapers, and wherever else he or she feels is pertinent. Homeowners can share the listing via social media and word of mouth to help increase the chances of selling the home. Âˇ Be available. Limiting the time an agent can show the house to potential buyers is in no oneâ&#x20AC;&#x2122;s best interest. Sellers should be ready and willing to open their homes, which is the best way to make a sale. An agent
may suggest a lock box so the home can be shown when homeowners are not on the property. Âˇ Make suggested renovations. Agents know which features can make or break a sale. Homeowners should be amenable to certain suggestions, such as neutral paint colors, removing personal effects and clearing clutter. Âˇ Give recommendations. Real estate is a commission-based industry. Agents often tirelessly put in hours and only reap rewards if the house is sold. A homeowner who was satisďŹ ed with an agent can then recommend that person to friends or family.
Better Homes and Gardens Real Estate, The Masiello Group Hi, there - During my many years in real estate, I have put my customers first. I provide many services others realtors do not provide. Licensed in both Vermont and New Hampshire, I complete comparative market analyses at no charge. I seek out detailed information on my buyersâ&#x20AC;&#x2122; and sellersâ&#x20AC;&#x2122; needs, so I can work hard to meet those needs. I work on marketing strategies and develop property fliers, which I post on For Sale signs and distribute in the neighborhood. I communicate frequently, including sending written biweekly property status reports to my sellers. I respond quickly to inquiries. My listings are detailed and thorough. I pay for Home Warranty coverage for residential sellers. My recent sales of the Maple Valley Ski Resort and the River Bend Lodge as well as many homes speak to my expertise. Overall, I feel very protective of my clients. I bring high energy to do whatever I can to achieve their goals expeditiously. I would like to help you with your real estate needs. Letâ&#x20AC;&#x2122;s talk. Best, Sally
Redbud Real Estate Adam Granger is the principal broker and owner of Redbud Real Estate and specializes in listing and selling residential real estate. Raised in a real estate family, Adam has been around the industry for most of his life. After working for the family business for nine years, Adam started his own firm offering tons of experience and local knowledge. Adam has helped many buyers and sellers reach their goals and alleviate their worries with a kind, yet strong presence. He has an appreciation for antiques, music, all elements of nature, his dogs and his family.
Contact Adam at Redbud Real Estate 802-221-4288 redbudrealestatevt.com
Contact Sally at 802-380-8272 or email@example.com Better Homes and Gardens Real Estate â&#x20AC;&#x201C; The Masiello Group | masiello.comâ&#x20AC;?
Meet Justin He puts the personal in Personal Lines insurance. With 15 years of property and casualty experience, Justin can give you a (free) Home and Auto consultation to ensure youâ&#x20AC;&#x2122;re properly covered. Prepare for tomorrow by contacting Justin today. firstname.lastname@example.org The
Richards Group FINANCIAL, INSURANCE & HR SOLUTIONS
(800) 222-6016 TheRichardsGrp.com
Le u ďż˝ i ďż˝ n n n H r ha e n n n n - C ns uc i lo n H e i lo n . NMLS # 475498 Ethan Grimes, Vice President, Mortgage Lending NMLS #661824
The future of banking...now
Brattleboro â&#x20AC;˘ Springfield â&#x20AC;˘ Putney â&#x20AC;˘ Bellows Falls â&#x20AC;˘ Townshend â&#x20AC;˘ rivercu.com â&#x20AC;˘ 802-254-4800