Compare First-Time Home Buyer Specialists in Barre, VT
Looking for a first-time home buyer specialist in Barre? Review the directory below to compare your options.
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State Mortgage Licensing Authority of Vermont before hiring.
Showing 4 first-time home buyer specialists in Barre, VT
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A first-time home buyer specialist in Barre Vermont helps you navigate the home buying process from pre-approval to closing. Vermont offers specific programs like the VHFA First Generation Homebuyer Program and the Vermont State Housing Authority down payment assistance. These specialists understand local market conditions in Washington County and can guide you through Vermont-specific legal requirements.
What Does a First-Time Home Buyer Specialist in Barre Cost?
Typical costs for a first-time home buyer specialist in Vermont range from 0% to 3% of the purchase price depending on whether you use a buyer agent or a mortgage broker. Many buyer agents are paid by the seller through commission so you may pay nothing directly. Mortgage brokers may charge an origination fee of 0.5% to 1% of the loan amount. Down payment assistance programs from VHFA may require a small application fee of $100 to $300. This is general information not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What is a first-time home buyer specialist in Barre?
A first-time home buyer specialist is a real estate agent or mortgage professional who focuses on helping people buy their first home. They know about Vermont programs like the VHFA First Generation Homebuyer Program which offers a 30-year fixed rate mortgage with down payment assistance.
What Vermont programs are available for first-time buyers in Barre?
Vermont offers the VHFA First Generation Homebuyer Program for buyers who have not owned a home in the past three years. The Vermont State Housing Authority also provides down payment assistance grants up to 5% of the purchase price. These programs are available for homes in Barre and throughout Vermont.
How do I qualify for first-time home buyer assistance in Vermont?
You must meet income limits set by VHFA which vary by county and household size. For Washington County in 2024 the income limit for a one-person household is approximately $82,000. You also need a minimum credit score of 640 and must complete a home buyer education course approved by VHFA.