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|  | | | My Family | |
  Her family no longer owns it. Still, every time Carol Audette passes by that old grocery store, the one her grandfather opened up over 75 years ago, and the one her father took over and worked in until he retired, she can't help but think of all the special memories she has as a little girl playing and working in that Italian market. She remembers how excited she would get going to work with her father, and how important she felt when he let her work the cash register or stock the shelves. My father had a real knack for making people feel special, Carol recalls. He always had a smile for everyone who came into the store. I remember wanting to be just like him. REMEMBER WHEN Although she has many wonderful stories about her father, there's one story that stands out in Carol's mind the most. It was during a time before huge, franchised supermarkets replaced traditional markets. When bag boys still delivered groceries to people's front doors. And where residents could shop at the neighborhood market and accumulate a monthly grocery bill. There was many times families who were less fortunate could not pay their tabs, Carol remembers. But my father never turned his back on these families. On the contrary, he would always give them extra groceries." My father showed me how much joy you can feel by helping and caring for people. He probably had the biggest influence in my life. A FAMILY TRAIT
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 Nowhere is her father's influence more apparent than in Carol's work as one of the area's most accomplished real estate professionals. Like her father, she realizes her job is not just about contracts and business deals, but also about people, their families and their lives. Her desire and commitment to making sure her clients receive only the highest level of service possible is the reason they experience peace of mind knowing they’re working with a true professional. But more importantly, her genuine concern and willingness to go the extra mile is the reason Carol Audette has become regarded throughout the area as “The Most Trusted Name In Real Estate. WHAT IS IT ALL ABOUT? With over two decades of experience and as a native of the area, Carol is often referred to as the local real estate expert. She has been honored for consecutive years as her office's top salesperson. Who better to represent your transaction than one of the most successful agents in the county? With a dedicated team and cutting-edge systems in place, Carol is able to provide the same personal service her father exhibited in his market. In addition, her creative marketing plans and strong negotiating skills have not only gained the respect of her clients and peers, it's also earned her significant rewards and recognition. With her commitment to treating each of her clients with integrity, quality, attention to detail and personal service, Carol has established a tradition of excellence in Chittenden County real estate. Whether you’re buying or selling your home, call the professional who's become the most trusted name in real estate.

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Foreclosures >3. How To Avoid Foreclosure
If you’re behind on your mortgage payments, have no fear. The U.S. Department of Housing and Urban Development has some really good tips what to do to avoid foreclosure.
- Don’t ignore it. The longer you put off your situation and get behind in your finances, the more likely it will be that you will lose your home to foreclosure. As soon as a problem arises...
- Contact your lender. Your lender will be the best resource to help you avoid foreclosure.
- Check your mail. Your lender will send you important information about avoiding foreclosure and also legal documents in the mail. You’re responsible for these documents and will be held accountable for them.
- Know your rights. Make sure you know the ins and outs of your loan documents so that you can be prepared for what your lender can and can’t do. Be sure to also know the foreclosure laws in your state.
- Understand your options. Visit the U.S. Department of Housing and Urban Development website to get informed.
- Contact a HUD-approved housing counselor. Call (800) 569-4287 to talk to someone who can help you understand your options.
- Your house should be a priority. Your house should be your first priority after the health and well being of you and your family. Eliminate any optional spending (cable TV, Internet, etc.) in order to make your house payments.
- Use your assets. If you have assets (expensive jewelry, a car, etc.) you can sell those and use the cash you gain to help reinstate your loan.
- Stay away from foreclosure prevention companies. These companies will charge you outrageous fees to contact your lender and negotiate your loan. Just save your money and put that toward your mortgage.
- Watch out for foreclosure recovery scams. Some firms may claim to stop the foreclosure process for you immediately and require you to sign your life away for them to do so. Consult your HUD-approved counselor before signing anything.
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| Q |
What is the average age of a first-time homebuyer in the United States today?
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| A |
The average age of a first-time U.S. home buyer is 32 years. |
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