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Financial and Lifestyle Resources for Vermont

VSECU Blog

In the VSECU Blog you'll find financial and lifestyle resources to help empower possibilities for your personal success.

By: David Argentieri

May 4th, 2020

Home Improvement Projects: Increase Your Property Value & Home Comfort

Homebuying and Mortgages | Saving and Budgeting | Learn Something New

Home ownership is incredibly rewarding, both financially and personally. Building equity in your home puts you on the path towards a sound financial future, while pride of ownership can be immensely gratifying. Now that spring is arriving, a lot of homeowners finally have a chance to begin planning a renovation or tackling a repair that was put on hold during winter’s harsh weather.

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By: Shari DeLatte

February 12th, 2020

Why You Should Attend a First-Time Home Buyer Class

Homebuying and Mortgages | Learn Something New

Buying a home is complicated. Finding a home that meets your needs as well as your budget is a challenge to begin with. Then you will need to navigate the maze of visits, inspections, negotiations, and documents as you work toward the closing. Your real estate agent, mortgage originator, and lawyer can answer many of your questions and will help you through much of the process, but you’ll have a better chance of getting what you need (along with some additional perks) if you educate yourself on the process first.

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By: Tammy Farnham

February 5th, 2020

What Documents Are Needed for a Mortgage Application?

Homebuying and Mortgages

Mortgage applications can seem overwhelming due to all the documents that are needed in the process. As a mortgage originator, I’m often asked by clients, “why do I need all that paperwork?” I assure them that the documents are needed to keep us both safe.

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By: Oliver Ames

January 29th, 2020

How do Pellet Furnace Prices Compare?

Homebuying and Mortgages | Energy Savings | Saving and Budgeting

After many years of renting small apartments, my wife and I decided to take the plunge and buy our first house. As any new homeowners would, we have been nervously, excitedly, painting walls and undertaking little projects to make our home perfect for us, but the first big project now looms on the horizon—the heating system.

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6 Tips for Improving Your Credit Score

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By: Elizabeth LaPerle

January 7th, 2020

How Many Points Can You Buy on a Mortgage?

Homebuying and Mortgages | Saving and Budgeting

There are many things to consider when purchasing a home—location, school district, neighborhood, affordability, and type (single family vs. multifamily) just to mention a few. Once you’ve found your perfect home, you must choose the best mortgage type—fixed-rate or adjustable. And then you can decide whether to buy points.

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By: Michelle "Shelly" Duprey

December 18th, 2019

What Credit Score Do I Need to Buy a House?

Homebuying and Mortgages | Credit and Debt

If you’re in the market for a new home, it’s time to review your credit report. The information in your report helps your mortgage originator determine your creditworthiness (whether you’re likely to pay back money loaned to you).

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By: Tammy Farnham

October 4th, 2019

Should I Finance My Home with a Local Mortgage Lender?

Homebuying and Mortgages

When you finance your home, you have choices. You can go with a big-name bank or keep your money closer to home at your local credit union or bank. Bigger banks can leverage their resources to offer some compelling conveniences, like 24/7 support or simplified online processes, but they are not always the best choice. Local financial institutions can offer a more personalized and holistic experience simply because they are small and local.

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By: Mark Wright

October 2nd, 2019

How Much Are Closing Costs on a Mortgage?

Homebuying and Mortgages

As you plan to purchase a home, it’s important to keep in mind that you won’t just be paying the cost of the home. You will also be paying “closing costs,” which are all those fees associated with your real estate purchase. Closing costs on a mortgage may be paid by the seller but are most often paid by the buyer and are paid at closing, when you sit down at the closing to sign papers and the property title is transferred to you.

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