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	<title>Burlington Vermont Homes, Condos, and Real Estate For Sale</title>
	<atom:link href="http://www.startinghome.com/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.startinghome.com</link>
	<description>Information to buy or sell your home in Chittenden County</description>
	<lastBuildDate>Wed, 14 Jul 2010 14:14:16 +0000</lastBuildDate>
	
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		<title>Burlington School District and Magnet Schools</title>
		<link>http://www.startinghome.com/2010/07/09/burlington-school-district-and-magnet-schools/</link>
		<comments>http://www.startinghome.com/2010/07/09/burlington-school-district-and-magnet-schools/#comments</comments>
		<pubDate>Fri, 09 Jul 2010 21:18:25 +0000</pubDate>
		<dc:creator>Pike</dc:creator>
				<category><![CDATA[Burlington Happenings]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.startinghome.com/?p=513</guid>
		<description><![CDATA[I occasionally work with home buyers looking to purchase a home in a particular neighborhood in Burlington so that their children can attend the school located within the neighborhood. In the fall of 2009, Burlington opened two magnet schools and has changed the way children are enrolled in the district. As one school commissioner wrote [...]]]></description>
			<content:encoded><![CDATA[<p>I occasionally work with home buyers looking to purchase a home in a particular neighborhood in Burlington so that their children can attend the school located within the neighborhood. In the fall of 2009, Burlington opened two magnet schools and has changed the way children are enrolled in the district. As one school commissioner wrote in an email to me recently, &#8220;moving into a particular area of town does not at this time guarantee  that one&#8217;s children will be able to attend the school closest,  especially if registering late.&#8221;</p>
<p>The first of the magnet schools is the <a rel="nofollow" href="http://sa.bsdvt.org/">Sustainability Academy</a> at Lawrence Barnes, the  first magnet school in the country with an emphasis on  sustainability.<span style="font-size: x-small;"> </span>&#8220;It includes things like social justice, civic  engagement, things as simple as local foods, as recycling in the school,  composting, things like that,&#8221; explained Anne Tewksbury-Fry, a  sustainability schools coach at Barnes Elementary in a <a rel="nofollow" href="http://www.wcax.com/global/story.asp?s=9275368">WCAX interview</a>.</p>
<p>The second school is the <a rel="nofollow" href="http://iaa.bsdvt.org/">Integrated Arts Academy</a> at the H.O Wheeler school.</p>
<p>The schools were conceived in part because schools like Champlain Elementary were filled to capacity with students and in part to counter the high poverty rate and low test scores at Wheeler and Barnes by encouraging parents and children from other parts of the city to enroll in these two schools. Not all parents are pleased that they may need to send their children to a school not in their immediate neighborhood. People buy real estate in particular neighborhoods of Burlington so as to send their children to a particular school.  Real estate in the south end of Burlington is more expensive in part because of the school district. Some real estate agencies, particularly Coldwell Banker Hickok Boardman, have made the wise decision not to advertise a parcel of Burlington real estate as within any one particular school district and instead advertising that the school is &#8220;district assigned.&#8221;</p>
<p>Burlington is not alone in its struggle to weigh the concerns of parents and student test scores against education costs, and property taxes. I expect that in the future Vermont will see many school districts merge into fewer, larger districts in order to cut costs. This has worked successfully in Maine.</p>
<p><span style="font-size: x-small;"> </span></p>
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		<title>Essex, Colchester, Hinesburg, and Shelburne Real Estate News</title>
		<link>http://www.startinghome.com/2010/06/20/essex-colchester-hinesburg-and-shelburne-real-estate-news/</link>
		<comments>http://www.startinghome.com/2010/06/20/essex-colchester-hinesburg-and-shelburne-real-estate-news/#comments</comments>
		<pubDate>Sun, 20 Jun 2010 14:09:02 +0000</pubDate>
		<dc:creator>Pike</dc:creator>
				<category><![CDATA[Chittenden County Government Affairs]]></category>

		<guid isPermaLink="false">http://www.startinghome.com/?p=518</guid>
		<description><![CDATA[Colchester
Public  Meeting: The Selectboard will hold a public hearing on Tuesday, June 22 at 7:30 PM at  the Colchester Meeting House to solicit input on a number of suggested changes to their building code ordinances.    Please note one particular change regarding renovations and the removal of exemptions.  Under the  suggested change, any [...]]]></description>
			<content:encoded><![CDATA[<p><strong><span style="text-decoration: underline;">Colchester</span></strong></p>
<p><strong>Public  Meeting:</strong> The Selectboard will hold a public hearing on Tuesday, June 22 at 7:30 PM at  the Colchester Meeting House to solicit input on a number of suggested changes to their building code ordinances.    Please note one particular change regarding renovations and the removal of exemptions.  Under the  suggested change, any electrical, plumbing or structural work done in a home would require a permit.  The suggested changes can be found in bolded language below, and can be accessed at <a href="http://colchestervt.gov/Manager/Public%20Hearings/Chapter4.pdf" target="_blank">http://colchestervt.gov/Manager/Public%20Hearings/Chapter4.pdf</a></p>
<p><span style="text-decoration: underline;"> </span></p>
<p><span style="text-decoration: underline;">Sec. 4-25.  Exemptions.</span></p>
<p>(a) No building permit  or building permit fee will be required for minor renovations or repairs when the  following conditions are met:</p>
<p>(1) The cost of the  materials is less than two thousand five hundred dollars</p>
<p>($2,500.00); and</p>
<p>(2) The work <strong>is to  the interior </strong>of the structure <strong>and does not include electrical, plumbing, or  structural</strong> <strong>work</strong>; and</p>
<p>(3) The work does not  result in a change in the occupancy or use of the</p>
<p>structure<strong>; and</strong></p>
<p><strong>(4) The  work does not include the installation of a woodstove, pellet</strong></p>
<p><strong>stove, or gas stove.</strong></p>
<p><span style="text-decoration: underline;"> </span></p>
<p><strong><span style="text-decoration: underline;">Town of Essex</span></strong></p>
<p><strong>Public Meeting:</strong> The Planning Commission will meet on Thursday, June 24 at 6:30 PM at the  Essex High School cafeteria.  The agenda is below.</p>
<ul>
<li><span style="text-decoration: underline;">Public Comments</span></li>
<li><span style="text-decoration: underline;">Consent Agenda</span></li>
</ul>
<p>o   David, John &amp; Bettyjayne Whitcomb and Thomas &amp; Karen Whitcomb-<strong>SIMPLE  PARCEL </strong>-proposal to subdivide a 7.19 acre parcel out of the 35.79 acre parcel located at  200 Jericho Road in the (AR) Agricultural Residential Zoning District. Tax Map 8, Parcel 4.</p>
<p>o   EuroWest Retail Partners, LTD.-<strong>SITE PLAN AMENDMENT- </strong>-proposal to add outdoor  seating to existing restaurant and sign for property located at 21 Essex Way in the Business Design Control District (B-DC) &amp;  MXD-PUD (B1) Zoning Districts. Tax Map 2, Parcel 92-1.</p>
<p>o   Hector &amp; Debra Boutin and David &amp; Jessica Moulten <strong>BOUNDARY ADJUSTMENT </strong>between 319  &amp; 341 Brown’s River Road. Tax Map 15, Parcels 15-0&amp;15-1.</p>
<p>o   Hector &amp; Debra Boutin- <strong>SIMPLE PARCEL-</strong>Proposal to create one new lot to  existing 2-lot subdivision located at 319 Brown’s River Road. Tax Map 15, Parcel 15-1.</p>
<ul>
<li><span style="text-decoration: underline;">Draft Plan Continued  Public Hearing </span></li>
<li><span style="text-decoration: underline;">Minutes (6-10-10)</span></li>
<li><span style="text-decoration: underline;">Communications and Other  Business</span></li>
</ul>
<p>o   PC Folders</p>
<p><strong><span style="text-decoration: underline;">Hinesburg</span></strong></p>
<p><strong>Public Meeting:</strong> The Planning Commission will meet on Wednesday, June 23 at 7:30 PM in  the Lower Level Conference Room at the Town Office.  The agenda is below:</p>
<ul>
<li><span style="text-decoration: underline;">Village       Growth Area Rezoning (cont’d from 6/9 mtg.)</span>
<ul>
<li>Finalize        master plan requirement language</li>
<li>Next  steps       – finalize changes, forward Selectboard</li>
</ul>
</li>
<li><span style="text-decoration: underline;">Town      Plan Revisions</span>
<ul>
<li>Wrap-up        &amp; review of comments from 5/26 public hearing</li>
<li>Top       10 list of implementation priorities</li>
<li>Next       steps – finalize changes, forward to Selectboard</li>
</ul>
</li>
<li><span style="text-decoration: underline;">Minutes       of June 9, 2010 Meeting</span></li>
<li><span style="text-decoration: underline;">Other      business &amp; Announcements</span></li>
</ul>
<p><strong><span style="text-decoration: underline;"> </span></strong></p>
<p><strong><span style="text-decoration: underline;">Shelburne</span></strong></p>
<p><strong>Public Meeting:</strong> The Planning Commission will meet on Thursday, June 24 at 7:00 PM at the  Town Center Meeting Room.</p>
<p><span style="text-decoration: underline;"> </span></p>
<p><strong><span style="text-decoration: underline;">South Burlington</span></strong></p>
<p><strong>Public Meeting:</strong> The Planning Commission will meet on Tuesday, June 22 at 7:30 PM.  The agenda is below:</p>
<ul>
<li><span style="text-decoration: underline;">Public       Comment</span></li>
<li><span style="text-decoration: underline;">Planning       Commissioner announcements &amp; director’s report</span></li>
<li><span style="text-decoration: underline;">2011      comprehensive plan update</span>
<ul>
<li>Continue        review of draft Social Infrastructure Objectives &amp; Strategies</li>
<li>Begin       review of draft Blue infrastructure chapter, objectives and  strategies</li>
<li>Second        review of “Top Ten” goals of the city</li>
</ul>
</li>
<li><span style="text-decoration: underline;">Review       Upcoming Meeting Schedule</span>
<ul>
<li> July       13, July 27, August 10</li>
</ul>
</li>
<li><span style="text-decoration: underline;">Approve       minutes of last meeting</span>
<ul>
<li>May       18, May 25</li>
</ul>
</li>
</ul>
<p><strong><span style="text-decoration: underline;"> </span></strong></p>
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		<title>Kudos to Burlington Telecom</title>
		<link>http://www.startinghome.com/2010/06/07/kudos-to-burlington-telecom/</link>
		<comments>http://www.startinghome.com/2010/06/07/kudos-to-burlington-telecom/#comments</comments>
		<pubDate>Mon, 07 Jun 2010 21:04:07 +0000</pubDate>
		<dc:creator>Pike</dc:creator>
				<category><![CDATA[Burlington Telecom]]></category>

		<guid isPermaLink="false">http://www.startinghome.com/?p=505</guid>
		<description><![CDATA[So you may have heard that I&#8217;m moving.
Well I am.
We&#8217;ve had about 4 1/2 months of renovations at the new home and I hope and expect all to be finished by the end of this month. Part of the renovations include grading the yard away from the home so that we no longer get 4&#8243; [...]]]></description>
			<content:encoded><![CDATA[<p>So you may have heard that I&#8217;m moving.</p>
<p>Well I am.</p>
<p>We&#8217;ve had about 4 1/2 months of renovations at the new home and I hope and expect all to be finished by the end of this month. Part of the renovations include grading the yard away from the home so that we no longer get 4&#8243; of water when the sump pump stops working. Another job is burying the utility lines that dangled so low that several contractors working on the home these last few months almost took them out.</p>
<p>Burlington Telecoms fiber optic cables have always been buried. This is a good thing. But with the regrading of the yard, their wires were going to be above ground. We needed them to be buried lower.</p>
<p>We needed it done today. We called them today. They came today. There was a small bit of discussion about how deep they were originally buried and whose responsibility it was to re-bury them if they were indeed originally buried 18&#8243;. They then sent over sub-contractor Scott, who did a great job making quick work of it. No fuss, no charge.</p>
<p>While I have complained about Burlington Telecom service in the past, when we needed a quick response to a pressing situation, they came through.</p>
<p>Thanks Burlington Telecom.</p>
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		<title>Big Joe Burrell Statue Plays on Church Street</title>
		<link>http://www.startinghome.com/2010/06/01/big-joe-burrell-statue-plays-on-church-street/</link>
		<comments>http://www.startinghome.com/2010/06/01/big-joe-burrell-statue-plays-on-church-street/#comments</comments>
		<pubDate>Tue, 01 Jun 2010 19:02:21 +0000</pubDate>
		<dc:creator>Pike</dc:creator>
				<category><![CDATA[Burlington Happenings]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.startinghome.com/?p=498</guid>
		<description><![CDATA[The long awaited statue of Big Joe Burrell has been set in front of Halverson&#8217;s Upstreet Cafe on Church Street just in time for the 2010 Burlington Discover Jazz Festival. Big Joe was a much loved Burlington jazz/blue saxophonist/singer who passed away in 2005. Big Joe Burrell played in both B.B King&#8217;s and Count Basie&#8217;s [...]]]></description>
			<content:encoded><![CDATA[<p>The long awaited statue of Big Joe Burrell has been set in front of Halverson&#8217;s Upstreet Cafe on Church Street just in time for the 2010 Burlington Discover Jazz Festival. Big Joe was a much loved Burlington jazz/blue saxophonist/singer who passed away in 2005. Big Joe Burrell played in both B.B King&#8217;s and Count Basie&#8217;s band and moved to Burlington Vermont in the mid-70s.</p>
<p>The statue is covered up for its official unvieling, but here are a few sneak peeks&#8211; my first news scoop.<a href="http://www.startinghome.com/files/2010/06/Pics-001.jpg"><img class="alignnone size-medium wp-image-500" title="Pics 001" src="http://www.startinghome.com/files/2010/06/Pics-001-225x300.jpg" alt="" width="225" height="300" /></a><a href="http://www.startinghome.com/files/2010/06/Pics-006.jpg"><img class="alignnone size-large wp-image-499" title="The Big Joe Burrell Statue" src="http://www.startinghome.com/files/2010/06/Pics-006-768x1024.jpg" alt="Big Joe once again a fixture on Church Street" width="768" height="1024" /></a></p>
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		<title>Burlington Might Finally See the Southern Connector</title>
		<link>http://www.startinghome.com/2010/05/21/burlington-might-finally-see-the-southern-connector/</link>
		<comments>http://www.startinghome.com/2010/05/21/burlington-might-finally-see-the-southern-connector/#comments</comments>
		<pubDate>Fri, 21 May 2010 13:02:13 +0000</pubDate>
		<dc:creator>Pike</dc:creator>
				<category><![CDATA[Burlington Happenings]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.startinghome.com/?p=492</guid>
		<description><![CDATA[The Southern Connector has been a controversial topic for over 40 years. Some say that building it will lead to additional sprawl in Chittenden while only increasing driving time from one end to the other by about 8 minutes. Others say that it will relieve what they think is traffic congestion in Chittenden County.  At [...]]]></description>
			<content:encoded><![CDATA[<p>The Southern Connector has been a controversial topic for over 40 years. Some say that building it will lead to additional sprawl in Chittenden while only increasing driving time from one end to the other by about 8 minutes. Others say that it will relieve what they think is traffic congestion in Chittenden County.  At a time when we need to move away from automobile use and embrace public transportation, constructing the Southern Connector seems like a giant step backwards.  However, the section in Burlington will include a bike lane. There may be less expensive ways of building bike lanes. I will need to learn more about the project.</p>
<p>The following is from Joe Reinert, Assistant to the Burlington Mayor. The opinion below are from Mayor Kiss and do not represent my opinions:</p>
<p>The City will hold four public informational meetings related to the  Champlain Parkway project.  Each meeting will provide an overview of the  entire project, while also focusing on a specific topic:</p>
<p>-  Mobility Issues: Project Performance for Automobiles, Bicycles, and  Pedestrians.  TUESDAY, MAY 25, 6:30 PM, Champlain Elementary School, 800  Pine Street.</p>
<p>-  Neighborhood and Community Issues. WEDNESDAY, MAY 26, 6:30 PM,  Contois Auditorium, City Hall.</p>
<p>-  Economic Development. WEDNESDAY, JUNE 9, 6:30 PM, Water Treatment  Plant Conference Room, 234 Penny Lane (at the south end of Lake Street).</p>
<p>-  Environmental Issues. THURSDAY, JUNE 10, 6:30 PM, Burlington Electric  Department, 585 Pine Street.</p>
<p>The Champlain Parkway will construct and rehabilitate approximately 2.4  miles of roadway, pedestrian, and bicycle facilities commencing at the  interchange of I-189 with US 7 in the City of South Burlington and  extending westerly and northerly to the intersection of Pine Street with  Main Street within the City of Burlington’s City Center District (CCD).   Between Home Avenue and Lakeside Avenue, new roadway will be  constructed on already acquired right-of-way.  From Lakeside Avenue to  Pine Street and terminating at Main Street the Parkway will use existing  roadways, and construction will consist of rehabilitation and  improvements to the existing streets. The roadway will consist of one  lane in each direction with turn lanes and traffic signals at certain  intersections. Pedestrian facilities include sidewalks, shared-use  paths, cross-walks and actuated pedestrian phasing at signalized  intersections. Bicycle facilities include the shared-use paths and  on-road components.</p>
<p>Mayor Kiss encourages residents to come to the meetings to learn more.  &#8220;The Champlain Parkway is a project that benefits Burlington in several  ways.  It will provide relief to South End neighborhoods from truck  traffic they currently experience and improves intersections throughout  the entire route of the project, while enhancing bicycle and pedestrian  access. It will create and enhance economic development opportunities in  the Pine Street corridor.  It complements and supports potential access  to and development within the south end of the Waterfront. I look  forward to continuing to move forward on the project and making the  Champlain Parkway a reality after more than 40 years of planning and  analysis.  I hope residents come to these meetings to learn more about  the project and ask any questions they may have.&#8221;</p>
<p>After holding the informational meetings the City will apply for an Act  250 permit for the project. At its May 17 meeting, the City Council  passed a resolution endorsing the public informational process and  authorized the City to move forward with the Act 250 permit (<a rel="nofollow" href="http://www.ci.burlington.vt.us/docs/1988.pdf" target="_blank">http://www.ci.burlington.vt.us/docs/1988.pdf</a> ). For more information about the project, go to <a rel="nofollow" href="http://www.ci.burlington.vt.us/" target="_blank">http://www.ci.burlington.vt.us</a>, call the Burlington Department of Public Works at 863-9094, or read more about at  <a rel="nofollow" href="http://www.aot.state.vt.us/ProgDev/Sections/LTF/SouthernConnectorSEIS/SouthernConnectorFSEIS.htm">Vermont Department of Transportation</a>.</p>
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		<title>Essex Town and Essex Junction Planning Commission</title>
		<link>http://www.startinghome.com/2010/05/21/essex-town-and-essex-junction-planning-commission/</link>
		<comments>http://www.startinghome.com/2010/05/21/essex-town-and-essex-junction-planning-commission/#comments</comments>
		<pubDate>Fri, 21 May 2010 12:33:48 +0000</pubDate>
		<dc:creator>Pike</dc:creator>
				<category><![CDATA[Chittenden County Government Affairs]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.startinghome.com/?p=490</guid>
		<description><![CDATA[A group of concerned residents in Essex Town and Essex Junction is  encouraging residents to come to the Planning Commission meeting at  Founders Elementary School on May 27.
Some major changes have been proposed to Chapter 11 and Chapter 3 of the  Essex Town Plan which have the potential to jeopardize the protection [...]]]></description>
			<content:encoded><![CDATA[<p>A group of concerned residents in Essex Town and Essex Junction is  encouraging residents to come to the Planning Commission meeting at  Founders Elementary School on May 27.</p>
<p>Some major changes have been proposed to Chapter 11 and Chapter 3 of the  Essex Town Plan which have the potential to jeopardize the protection  of Saxon Hill Forest and to increase industrial areas at the expense of  natural and recreational space. The change in chapter 11 is in  opposition to the original goals of the Town Plan to preserve Saxon Hill  for recreation and preservation. The proposed changes in chapter 3 (The  Economic Development portion of the plan) are based partly on a survey  with only 100 responses that didn&#8217;t track IP addresses. It is baffling  why the Planning Commission and the Selectboard are incorporating the  newly released Economic Development Study into the Town Plan so  prematurely before the Economic Development Committee has reviewed it or  the Board as approved it as a valid study.</p>
<p>Also incorporated into the Plan is a well thought out and scientific  study and action plan to preserve our scenic vistas and open space,  which has been a goal of our citizens and our Town Plan for many years.</p>
<p>Please come and shape your Town&#8217;s future and please have a voice about  the potential destruction of Saxon Hill recreational area.</p>
<p>If you would like to add your name to an e-mailed letter that is being  sent to our town representatives please send your full name and address  to <a href="mailto:vtjohns@comcast.net">vtjohns@comcast.net</a>. We hope  to send the letter before May 27th. The letter you will be adding your  name to is as follows:</p>
<p>&#8220;Dear Friend of Saxon Hill Forest:<br />
As you may know the preservation of Saxon Hill Forest as a community  resource for conservation and recreation is threatened. Saxon Hill  Forest is one of only two (together with Indian Brook Reservoir) large  natural areas open to Essex Town and Village residents for recreation.</p>
<p>For more than 30 years, under the guidance of the Town Plan and the  unique protections of the Resource Preservation District-Industrial  (RPD-I) zoning regulations, the majority of the Saxon Hill Forest has  been preserved for conservation and passive recreation by the public.  With the newly revised Town Plan, the Planning Commission is considering  changes that would severely jeopardize these protections.</p>
<p>In order to maintain the established protections of Saxon Hill Forest  for the residents of Essex, we feel the PC should retain the wording  below exactly as it was approved in the Town Plan in 2006:<br />
11.12.2: Ensure that residential uses are not to be allowed in the RPD-I  District.<br />
11.13.1: Retain the present zoning provisions specifying the amount of  land to be reserved for recreation/conservation uses.</p>
<p>Please join us at the Planning Commission meeting at 6:30 pm on  Thursday, May 27, 2010 at Founders Elementary School (33 Founders Road,  off Sand Hill Road in Essex) and urge the PC to reverse the changes that  have been introduced.</p>
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		<title>FHA Loan Advertising</title>
		<link>http://www.startinghome.com/2010/05/20/fha-loan-advertising/</link>
		<comments>http://www.startinghome.com/2010/05/20/fha-loan-advertising/#comments</comments>
		<pubDate>Thu, 20 May 2010 16:53:18 +0000</pubDate>
		<dc:creator>Pike</dc:creator>
				<category><![CDATA[Financing the Vermont Home Purchase]]></category>

		<guid isPermaLink="false">http://www.startinghome.com/?p=486</guid>
		<description><![CDATA[First-time homebuyer looking  for financing? Consider an FHA Loan.
While they do not lend the  money, the Federal Housing Administration insures the loan that you,  the borrower, are issued through a private lender. Most people who have  less than perfect credit are hesitant to pursue a home loan option  because  [...]]]></description>
			<content:encoded><![CDATA[<p><span style="font-family: Times New Roman; font-size: small;">First-time homebuyer looking  for financing? Consider an FHA Loan.</span></p>
<p><span style="font-family: Times New Roman; font-size: small;">While they do not lend the  money, the Federal Housing Administration insures the loan that you,  the borrower, are issued through a private lender. Most people who have  less than perfect credit are hesitant to pursue a home loan option  because  they figure lenders will automatically turn them away. However, this  is one of the many reasons an FHA Loan may be the right choice for you  — the FHA guarantees your loan in case of default. Because of this  guaranty, you may be able to afford a higher priced home. </span></p>
<p><span style="font-family: Times New Roman; font-size: small;"><strong>How can the FHA afford to  guarantee a loan?</strong></span></p>
<p><span style="font-family: Times New Roman; font-size: small;">In order to make sure your  loan is guaranteed, the FHA requires that borrowers pay an upfront  Mortgage  Insurance Premium of 1.5 percent as well as a small fee each month.  This ensures that if for any reason you were to default on the loan  payments, the mortgage will be paid off. </span></p>
<p><span style="font-family: Times New Roman; font-size: small;"><strong>Why is an FHA Loan  so appealing for first-time homebuyers?</strong></span></p>
<p><span style="font-family: Times New Roman; font-size: small;">Too many people continue to  rent instead of purchasing a home because of one common factor —  not enough set aside for a down payment. With an FHA Loan, you could  put down as little as 3.5 percent, whereas a typical conventional loan  could require you put down anywhere from 5 to 20 percent. Here are a  few more reasons an &lt;a href&#8221;<a rel="nofollow" href="http://www.fhamortgagecenter.com/vermont.html" target="_blank">http://www.fhamortgagecenter.com/vermont.html</a>&#8220;&gt;FHA   Loan&lt;/a&gt; may be a good option for you:</span></p>
<ul type="DISC">
<li><span style="font-family: Times New Roman; font-size: small;">Allows a higher    debt-to-income ratio than other loan programs</span></li>
</ul>
<ul type="DISC">
<li><span style="font-family: Times New Roman; font-size: small;">Credit problems    in the past? It is still easier to qualify than with a conventional    loan</span></li>
</ul>
<ul type="DISC">
<li><span style="font-family: Times New Roman; font-size: small;">You may receive    up to 6 percent toward closing costs</span></li>
</ul>
<ul type="DISC">
<li><span style="font-family: Times New Roman; font-size: small;">It is easier to    use gifts for closing costs and down payments compared to other loans</span></li>
</ul>
<ul type="DISC">
<li><span style="font-family: Times New Roman; font-size: small;">No maximum income    limit through the FHA program</span></li>
</ul>
<ul type="DISC">
<li><span style="font-family: Times New Roman; font-size: small;">FHA will help you    avoid foreclosure — there are many options to consider if you    find yourself in a financially difficult situation</span></li>
</ul>
<p><span style="font-family: Times New Roman; font-size: small;">The FHA Loan is a great option  for first-time homebuyers and those with less than perfect credit.  Consult  your loan officer to learn about the rest of the benefits available  through the FHA Home Loan Program. </span></p>
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		<title>Historic Burlington Vermont Diner For Sale</title>
		<link>http://www.startinghome.com/2010/05/12/historic-burlington-vermont-diner-for-sale/</link>
		<comments>http://www.startinghome.com/2010/05/12/historic-burlington-vermont-diner-for-sale/#comments</comments>
		<pubDate>Wed, 12 May 2010 16:56:31 +0000</pubDate>
		<dc:creator>Pike</dc:creator>
				<category><![CDATA[Burlington Happenings]]></category>

		<guid isPermaLink="false">http://www.startinghome.com/?p=481</guid>
		<description><![CDATA[This diner, delivered to Shelburne Road in 1954, was known as Wesson&#8217;s Diner and Cosmos Diner.
It is in excellent condition, complete with original booths, tables, stools and pie case. The interior is yellow and grey with original Formica counter and yellow and grey ceramic floor tile. Booth and stool upholstery were redone in the ’70s.
A [...]]]></description>
			<content:encoded><![CDATA[<div id="attachment_482" class="wp-caption alignright" style="width: 488px"><a href="http://www.startinghome.com/files/2010/05/int08.jpg"><img class="size-full wp-image-482 " title="Burlington Vermont Diner" src="http://www.startinghome.com/files/2010/05/int08.jpg" alt="Burlington Vemont Diner for sale" width="478" height="358" /></a><p class="wp-caption-text">Interior of the Diner</p></div>
<p>This diner, delivered to Shelburne Road in 1954, was known as Wesson&#8217;s Diner and Cosmos Diner.<br />
It is in excellent condition, complete with original booths, tables, stools and pie case. The interior is yellow and grey with original Formica counter and yellow and grey ceramic floor tile. Booth and stool upholstery were redone in the ’70s.<br />
A new rubber membrane roof was installed in October 2003 and windows were reglazed. The green enamel vertical fluted panels are included, but not currently on the diner. The diner has been well cared for since removal<br />
from its original site in 2001.</p>
<p>Because of the role that diners have played in American cultural history as well  as this diner&#8217;s role in Burlington&#8217;s history, buyers will need to use the building as a  community gathering spot, open to the public. Appropriate uses  include a restaurant, coffee shop, a pub or some other related use. As with any historic structure, the architectural integrity should be preserved, and restoration be consistent with  the design, materials and style of the period in which the diner was  built.</p>
<p>The diner is being offered for $45,000. The diner is currently stored on private property and can be shown to interested  buyers demonstrating they can and will use the diner as a public gathering place. For more information, please call me at 802.233.2600</p>
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		<title>Renting a home in Vermont</title>
		<link>http://www.startinghome.com/2010/05/12/renting-a-home-in-vermont/</link>
		<comments>http://www.startinghome.com/2010/05/12/renting-a-home-in-vermont/#comments</comments>
		<pubDate>Wed, 12 May 2010 14:41:17 +0000</pubDate>
		<dc:creator>Pike</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.startinghome.com/?p=478</guid>
		<description><![CDATA[Vermont has statutes specific to residential rental agreements. Burlington has additional regulations regarding rental housing within the city. It behooves both renters and property owners to read and understand the laws prior to entering into a lease agreement.  In 2008, the Vermont Apartment Owners Association successfully lobbied for changes to the Vermont rental agreement statute, [...]]]></description>
			<content:encoded><![CDATA[<p>Vermont has <a rel="nofollow" href="http://www.leg.state.vt.us/statutes/sections.cfm?Title=09&amp;Chapter=137">statutes </a>specific to residential rental agreements. Burlington has additional regulations regarding rental housing within the city. It behooves both renters and property owners to read and understand the laws prior to entering into a lease agreement.  In 2008, the Vermont Apartment Owners Association successfully lobbied for changes to the Vermont rental agreement statute, which strengthen tenant rights while also streamlining the eviction process.</p>
<p>Other pertinent statutes include Title 12 sec. 169 <a rel="nofollow" href="http://www.michie.com/vermont/lpext.dll?f=templates&amp;fn=main-h.htm&amp;cp=vtcode">Ejectment</a>, and the consumer fraud statutes (9 V.S.A. Chapter 63 sec 2451-62)&#8211;Vermont courts have ruled that violations of the habitability law constitute consumer fraud and tenants can sue for treble damages; fire safety codes that regulate among other things smoke and carbon monoxide detectors.</p>
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		<title>Accredited Buyer Representatives (ABR), the best and brightest Realtors?</title>
		<link>http://www.startinghome.com/2010/04/30/accredited-buyer-representatives-abrs-the-best-and-brightest-realtors/</link>
		<comments>http://www.startinghome.com/2010/04/30/accredited-buyer-representatives-abrs-the-best-and-brightest-realtors/#comments</comments>
		<pubDate>Fri, 30 Apr 2010 22:04:27 +0000</pubDate>
		<dc:creator>Pike</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.startinghome.com/?p=467</guid>
		<description><![CDATA[I, with maybe 50 or so other Realtors in Vermont and New Hampshire, recently took the National Association of Realtors ABR &#8211;Accredited Buyer Representative&#8211; designation course. It is a two day, 16 hour course and I had heard from a few agents I respect that it was a course worth taking. It was not.
It may [...]]]></description>
			<content:encoded><![CDATA[<p>I, with maybe 50 or so other Realtors in Vermont and New Hampshire, recently took the National Association of Realtors ABR &#8211;Accredited Buyer Representative&#8211; designation course. It is a two day, 16 hour course and I had heard from a few agents I respect that it was a course worth taking. It was not.</p>
<p>It may have been a worthwhile course when I first began my career as a Realtor, but the important and interesting information was set aside to better cover basic information all real estate agents, Realtors or not, should, and usually do, already know: what documents to ask for from a condo association, or the necessity of an agency disclosure as  just two examples. A week later, a national speaker gave a lunch presentation for the Northwest Vermont Board of Realtors and stated he too had seen an instructor provide the questions and answers. It seems like the practice is more wide spread than this one instructor.</p>
<p>The low-point of the course came on day two, when the instructor read question after question directly from the exam and then provided the answers. Well, that moment or during one of the sales pitches just after the instructor asked us to pull out the course evaluation and choose the option that stated the instructor did not make any sales pitches to the class.</p>
<p>The National Association of Realtors touts this designation as one both necessary and exceptional. And for what it is worth, I can now add the initials ABR after my name.  Any 8-year old could have passed the course, what with the instructor providing both questions and answers.</p>
<p>I&#8217;ve found that some of the continuing education courses offered by the local lenders and real estate attorneys very helpful and informative and I think I&#8217;ll stick with those courses instead of additional designations.</p>
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