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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 802-846-8800.
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Find Out About the Latest Homes for Sale First!
I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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The Carol Audette Team is one of
The Top Selling Real Estate Experts™
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As a visitor to Vermont, you know the beauty and wonderful amenities that Vermont has to offer. By selecting Vermont, you have truly distinguished yourself as someone who knows quality and expects more out of life and out of vacations. You expect to receive the best possible care and attention while you are visiting Vermont! As specialists in real estate throughout Chittenden County, The Carol Audette Team offers their clients the same care and attention. That is our promise! Our mission at Coldwell Banker Hickok and Boardman is simple - it is YOU! Carol Audette has been helping individuals such as yourself for the past 26 years to find the perfect home that best meets your needs at the best price and with the fewest hassles. We accomplish this through consistent communication, Buyer/Listing Specialists, a Closing Coordinator, Courier and an Office Manager who are all here to handle all of your needs, and through constantly being aware of where the current market is throughout the county. You know what a beautiful place Vermont is to visit, and if you are like most people, you are already planning a return trip. If you have thought about purchasing a home, now is the perfect time and the Carol Audette Team are truly the specialists who can help you find that perfect property. Call today for more information - we offer several alternatives for obtaining FREE information on properties and towns/cities in Vermont. Call The Carol Audette Team at 802-846-8800 or,
Send us an email message at caudette@together.net We hope you enjoy your stay in Vermont and we look forward to talking with you regarding all your real estate needs and in "helping YOU make all the right moves."  |
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Financing Your Home >Mortgage Fears
It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!
Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.
Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.
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| Q |
Where in the United States will you find the largest concentration of million-dollar homes?
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| A |
There are almost 314,000 million-dollar homes in the United States, and 41% of these are located in California.
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- NUMBER1EXPERT™ 
