Serving Windsor County, Vermont
    dana@darkhorserealty.com
    (802) 484-7388

Dark Horse RealtyDark Horse Realty

Reading, Vermont & Beyond

  • About
    • Dana Waters, Broker
    • Paula Waters, Agent
    • Richard Spanjian, Agent
  • Our Towns
    • Reading
    • Woodstock
    • Brownsville & West Windsor
    • Weathersfield
    • Springfield
    • Hartford/Quechee
    • Windsor
    • Cavendish
    • Hartland
  • Buyers
    • Area Info
    • Homes for Sale
    • Land for Sale
    • Buyer Testimonials
  • Sellers
    • Why List with Us
    • Seller Testimonials
  • Horse Properties
    • Area Horse Properties

Questions to Ask Your Lender

1. What are the most popular mortgages you offer? Why are they so popular?
2. Which type of mortgage plan do you think would be best for me? Why?
3. Are your rates, terms, fees, and closing costs negotiable?
4. Will I have to buy private mortgage insurance? If so, how much will it cost, and how long will it be required?
(NOTE: Private mortgage insurance is usually required if your down payment is less than 20 percent. However, most lenders will let you discontinue PMI when you’ve acquired a certain amount of equity by paying down the loan.)
5. Who will service the loan — your bank or another company?
6. What escrow requirements do you have?
7. How long will this loan be in a lock-in period (in other words, the time that the quoted interest rate will be honored)? Will I be able to obtain a lower rate if it drops during this period?
8. How long will the loan approval process take?
9. How long will it take to close the loan?
10. Are there any charges or penalties for prepaying the loan?
Used with permission from Real Estate Checklists & Systems, www.realestatechecklists.com

Posted in: Buy Vermont Home, Buyer's Resources, Vermont real estate Tagged: advice for buyers, buyer's agent, dark horse realty, financing your home, mortgage info

Meet Our Team

Paula Waters, Agent

Richard Spanjian, Agent

Dana Waters, Broker

Explore Our Towns

  • Reading, VT
  • West Windsor, VT
  • Woodstock, VT
  • Weathersfield, VT
  • Windsor, VT
  • Springfield, VT
  • Hartford, VT
  • Hartland, VT
  • Cavendish, VT

Tips & Advice

5 Things to Know About Title Insurance

Understanding Capital Gains Tax

5 Things to Know About Homeowner’s Insurance

Contact Us

Dark Horse Realty
3642 Rt 106,
Reading, VT 05062
(802) 484-7388
dana@darkhorserealty.com


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