Brian French

Spring Selling Season Is Already Here!

Spring pictureIf you haven't heard, the real estate market has started out with a bang in 2017. According to The National Association of Realtors, existing home sales nationally was at a ten-year high in January and up 3.3 percent. This is the fastest pace since 2007. All areas saw an increase except the in the Midwest. For us locally, we are experiencing an incredible start to the new year. Prices are starting to pick up and inventory is lower than last year at this time and our average days on market has declined. This makes for a great opportunity if you are thinking about selling in the Champlain Valley area. Now is the time to give me a call. Don't wait until your competition list their homes. Be first and you are more likely to achieve better results.  Get an estimate on what your home is worth by calling or emailing me. No obligation and cost nothing. I can help you save time and show you how we can save money. 

Selling Your Home in the Winter?

House for saleWinter is that time of the year that some people either are incredibly excited about the snow and all the related activities that come with it or despise it for all the obvious reasons. It’s not much different for some people when they think about selling their home.  For today, let’s take our focus off the obvious, cold that might accompany such an endeavor. The reality is that selling your home in the winter can be a lot easier than you think. The fact of the matter is that there really is such a small time frame when moving can be difficult. If you put your home on the market in January before most people do, you can typically have less competition which sometimes can allow you to receive more money for your home. Those people looking for homes are serious buyers and they need to buy. Additionally, if you do have success in January, your closing date most likely would be in March.  A time of the year when the worst of winter is over, moving is not as difficult as if you sold your home in November and have to close in our coldest month of the year in January.  

Want to know what your home is worth? Don’t put off selling any longer, get a jump on the competition and give Brian a call for your no-obligation, free evaluation. 802.862.6433 x 34 or email him.  

Why People Hate Their Mortgage and Why You Shouldn't

mortgage word cloud
Many people hate their mortgage because they know over the life of a 30-year loan they will spend more in interest than the house cost them in the first place. To save money it becomes very tempting to make a bigger down payment or make extra principal payments. Unfortunately, saving money is not the same as making money. Or, put another way, paying off debt is not the same as accumulating assets.

By tackling the mortgage payoff first, and the savings goal second, many fail to consider the important role a mortgage plays in our savings effort. Every dollar we give the bank is a dollar we did not invest. While paying off the mortgage saves us interest, it denies us the opportunity to earn interest on that money. Consider this investment: Every dollar you invest is inaccessible. Every dollar you invest has the potential to increase your federal and state income tax bills. Every dollar you invest is guaranteed to earn a very low rate of return for the next 30 years. Every dollar you invest makes the investment less safe. Not too many of us would jump at the chance to make this investment, yet millions do every year by pre-paying their tax-deductible 30-year mortgage loan! Remember, the only way to get your equity out of your home is to borrow it back on the bank’s terms, at some unknown rate in the future or, worse yet, sell the house. By pre-paying your tax deductible mortgage you increase your tax bill each year as you have less interest to deduct. The after-tax rate on a 30 year fixed mortgage is often much lower than many conservative investments. The more equity you build up in your home the more risk you take. If you had a disability or job loss and had to stop making payments on a 100k loan on a 400k home, the bank could still foreclose and you would be out 300k. If you stopped making payments on a 350k loan you would be out only 50k. The same holds true if the home is underinsured or there is a natural disaster, like a flood, that the house is not insured for at all. Most of us think that the more equity we have in our house the safer we are. The truth is that the more savings we have, not equity, the safer we are.

Before paying down your tax-deductible mortgage, make sure you have the following financial milestones accomplished:

  1. Cash Cushion – Build and maintain a cash cushion for 3 to 6 months of liquid living expenses.
  2. Protection – Establish appropriate levels of disability and life insurance.
  3. ‘Non-Preferred’ Debt Free – Pay off all non-tax-deductible debt (credit cards, installment loans, etc).
  4. Retirement and College – Plans fully funded.

It is important to realize our financial goals in the correct order. Paying off your mortgage is a great goal. However, it should not be your first, or only, financial goal.

Contact Mark Chaffee at Mortgage Financial Services if you have more questions on your current mortgage or looking to obtain a new loan. 

Source: Mark Chaffee of Mortgage Financial Services

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    Selling A Home Can Be Stressful

    Here at Brian French Real Estate, we have over 30 years of experience that has helped us develop systems that we use to get your home sold. Often times it's not what you do, but how you do it that's important. We take great pride in customizing our approach to each and every one of our clients so we can provide the absolute best in real estate experiences. If you are thinking of selling or know someone that is, give us a call or email us. Listen to what Brian has to say in the short video about the spring Vermont real estate market.

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      Time Flies By

      watch with wingsWhen we are young, we never think about time. Time is always on our side.

      It’s us against the world and there is no stopping to worry about the time and how quickly it passes. We have all the questions and we also think we have all the answers. It’s a world full of the here and now and things that are going to take place in the future are for other people to worry about.
      As we get older we realize that time is a precious commodity. We get jobs, we get married, and we have kids. We become busy. We have no time. Where does the time go we think, yet we are still not worried about time. Exactly when it happens for most, I’m not sure but eventually it happens to all of us. We think about it, we plan for it, we obsess about it, we complain about it and we cherish it. 

      You see - time, is the one thing that we all have in common, it’s here and then it’s gone. Have you ever tried to live in the moment?

      It’s hard because it’s so fleeting. Time is the common denominator for all people but what we do with that time defines who we are, what we become, and what we accomplish.
       
      As I grow older and since my kids are out of the house, I must admit I do think about time a lot. I mean maybe to the point of obsession, which is not how I want to live in the moment for sure, but I do think about what I should be doing at any given moment to make the most out of my day. You see, I must work, but I also want to make sure that I don’t waste my time, because I can never get it back. If you put it in that context, I believe your time becomes much more valuable.
       
      I don’t like to waste time because it is a limited resource. I don’t like to waste my time or anyone else’s time for that matter. I just don’t think it’s fair to myself or the other person. But what I do like to do is enjoy my time here. You know you can actually enjoy your time if you purposefully think about being positive and making the best of all situations. Did you know that you can enjoy your time even when you are working? I try to everyday. It involves interacting with your co-workers and clients in a caring fun loving way. I enjoy the people I work with and my clients and I hope that I can make their time more enjoyable when they are working with me.
       
      With that said, because I feel that time is so precious I will always give the gift of time to others. I won’t waste your time or mine. I will be honest about the situation and be truthful and straight to the point in giving my advice. I will respect you and your time and in the end, we will both have more of it to share with our significant others.
       
      My gift to you is to help you save time whether you are in the market to purchase or sell. Buyers looking to buy VT real estate - sign up to receive real time email updates on listings. If you are looking to sell your VT home let's talk about how my marketing stategies can get your home sold. Call or email me today. 
       
      Subsribe to my newsletter to hear about the local real estate economy as well as useful buyer and seller tips that will also save you....time! 

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        Fire Safety Inspections and How They Affect You

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        Fire Safety InspectionIn today's ever changing real estate market, there are many things that we need to pay attention to when selling our homes. One important item is fire safety. When selling your home, you need to make sure that you are in compliance with all the rules and regulations that govern fire safety. For example, for your personal residence you need to make sure that you have the proper number and type of smoke detectors and carbon monoxide detectors. Are they photoelectric and or ionization? Do you have the proper combination equipment to pass the fire safety test. If you are not sure of how all this is handled, we can help. After all, you don not want your closing to be held up because you were uninformed about the fire safety requirements.

        For more information or to reach us with questions call or email us.

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          Brian French Real Estate Receives Best Real Estate Office Award

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          2014_cbj_bobb_logoBrian French Real Estate voted #1 by Best of the Best Business Readers Choice Award

          The Champlain Business Journal, A monthly business publication specializing in business news around the Champlain Valley region of Vermont for more than a decade and a half, recently announced the results of their annual Best of the Best Business Contest. Voters from all over the region voted by ballot in several business categories. Brian French Real Estate is the proud recipient this years 2014 Best Real Estate Office! We are very grateful to each and every one of our clients and customers for their vote and show of support - thank you from the bottom of our hearts. For those of you who havent experienced our services, we welcome the chance to offer you the same outstanding real estate Readers Choice service you deserve. Brian French Real Estate is located in South Burlington and has been serving Chittenden County and Greater Burlington for over 30 years. Helping buyers and sellers in Chittenden County and the Greater Champlain Valley. Brian French Real Estate is a full service brokerage firm with state-of-the-art technology specializing in residential, luxury, and new home construction. Our goal is to make your move a smooth and easy transition. From finding a new home, selling your existing home, financing or relocating, we will provide you with the highest quality service. Stop in at our office at 1993 Wiliston Road in South Burlington, or click to meet us online.

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            Jericho, Vermont ranks number 1 in Best Vermont Towns For Young families!

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            Jericho VTWhere would you want to live in Vermont?

            Recently a website ranks the top towns to raise a family in Vermont with Jericho coming in first place! The list was compiled by looking at school data, home values, economic growth, income, and cost of living. Vermont continues to come out on top once again and we couldn't be more proud of our beautiful state and its residents that make it what it is.

            Start your search for homes in Jericho, VT or one of these top-10 towns.

            Whether you are thinking of moving to the area or maybe you want to simply move across town, see properties for sale in Jericho as well as the other top ten towns in Vermont. Contact us for your private viewing!

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              Horse Property For Sale in Underhill VT

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              Horse lovers Paradise in Underhill, VT

              Check out this listing on Youtube.
              Front View of HouseThis exquisite four-bedroom contemporary country oasis on 13.80 acres has so much to offer. Perfect for horses or small farm operation with heated barn to accommodate horses, small farm animals or for hobbies. For the outdoor lovers, there is an abundance of wildlife to be appreciated right in your back yard from moose, turkey, deer, and the many species of birds. Looking for outdoor adventure? Explore the 13.80 acres and go for a beautiful hike to take in the array of VT autumn colors during fall foliage, or x-country ski/snow shoe during the winter months, or go exploring after the snow melts and witness the beauty and new beginnings of nature that come in spring.

              Barn at 341 Irish Settlement Road in UnderhillVT Country setting with lots of privacy

              Generously large home with open floor plan, perfect for entertaining guests, or for the growing family. Be pampered by the radiant floor heat during those cooler Vermont days or get cozy by the warmth of the woodstove in the living room. Begin your day by breathing in the beauty of the private country setting while sitting at the breakfast area overlooking the in-ground pool and sensational landscaped yard. First- floor master bedroom with large steam shower and oversized tub. Upstairs has 3 bedrooms and huge bonus room over garage with separate entrance that makes a great play room, office, or guest quarters. Convenient walk-out basement with finished pool room and separate exercise room.

              341 Irish Settlement RdGreat Location in Underhill Center

              The location is ideal as its only 35 minutes to Burlington, close to Smugglers Notch ski area, stores, great restaurants, and excellent schools. The Town of Underhill is a community that believes in Vermont family values. Visit the Old Red Mill and Museum, go on a dog sledding tour, or walk through some of its historic covered bridge, great bike paths, community sledding in the winter, and gatherings by the town pond in the summer. This home truly has it all. Contact Brian French to schedule a viewing or click to view more pictures and details of the beauty and pleasures this home has to offer.

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                Brian French Real Estate Honors Top Performers

                Brian French Real Estate's Top Performers in July

                South Burlington, VT Brian French, Kelly Farr, Lydia Wisloski, sales associates with Brian French Real Estate, were named the offices Top Producers for the month of July. The home buyers and sellers of South Burlington VT area truly have a real estate resource they can trust in Brian, Kelly, and Lydia. They really understand that for many people, buying or selling a home is the most significant purchase of a lifetime, and their real estate knowledge and professionalism helps make each transaction as smooth as possible. They are leaders and innovators empowering local homebuyers and sellers with valuable information, helping them to make informed Vermont Real Estate decisions.

                Brian French Kelly Farr Lydia Wisloski
                Brian French, Owner/President Kelly Farr Lydia Wisloski

                Read testimonials or browse their listing for Brian French, Kelly Farr and Lydia Wisloski.

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                  Brian French Real Estate Welcomes Mark Cobb, Sr. to its Team!

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                  Mark C. Cobb, Sr joins Brian French Real Estate as a full-time agent

                  Mark Cobb. Sr., Realtor

                  Mark has been a successful contractor in Northern New England for over thirty years and is licensed in Florida. He is looking forward to helping buyers and sellers with their real estate needs and helping them reach their goals and make it a stress-free experience. Read more about Mark...

                  Contact Mark today to begin your real estate journeywhen buying or sellinga home in Vermont.

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                    Vermont is Second in the Nation for Overall Child Well-Being.

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                    Quality of lifeVermont Celebrates Quality of Life

                    Once again, Vermont shines through! As this article "Vermont Celebrates Quality of Life" indicates, Vermont is second in the nation for overall child well-being. The 2013 KIDS COUNT Data Book, an annual publication of the Annie E. Casey Foundation, tracks the well-being of Americas children Vermont has so much to offer its youth from it's strong family values, to the beautiful outdoor recreational activities, and award-winning school systems. If you've been considering relocating to Vermont, we encourage you to come see for yourself why we are so proud of our state, community and families. Start your relocation home search with Brian French Real Estate and we'll help you along the way!

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                      Century 21 Advantage in South Burlington VT Changes its Name!

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                      We are excited to share with you our big news. We have a new name!

                      Brian French Logo It is with great excitement that I am able to inform you of our name change for our company. CENTURY 21 Advantage is now Brian French Real Estate. Brian French has been in the business for over 30 years and has owned the company for the past 16 years. In todays world of ever changing technology and strategies we felt that this was the best way to remain agile and ahead of the curve for reaching out to our clients and customers. We will still have all the same capabilities to provide you the most up to date real estate information that you will need whether you are buying or selling. Additionally we know that real estate is done locally and quite frankly we are proud of what we do and how we do it. We pride ourselves on being your choice locally to provide you with the absolute best in real estate services and we will continue to do so in the future. We are happy about keeping more resources local while still being able to utilize the necessary technology to make your home buying process easy from start to finish. I hope you will share in our excitement about our name change and embrace our new look and approach to the real estate market. We think we are on to something that is going to be well received and we hope that you will join us in enjoying our new look and experience. Same people. Same location. Same outstanding service. Let us know what you think!

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                        Vermont Horse Property for sale in Bridport

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                          CENTURY 21 Advantage in South Burlington VT Announces Top Performers for November

                          South Burlington, VT Brian French, Jim Ross/Linda Murphy, and Anthony Gamache, sales associates with CENTURY 21 Advantage, were named the offices Top Producers for the month of November. The home buyers and sellers of South Burlington VT area truly have a real estate resource they can trust in Brian, Jim/Linda, and Anthony. They really understand that for many people, buying or selling a home is the most significant purchase of a lifetime, and their real estate knowledge and professionalism helps make each transaction as smooth as possible. They are leaders and innovators empowering local homebuyers and sellers with valuable information, helping them to make informed Vermont Real Estate decisions.

                          Brian French, President/Owner Jim Ross & Linda Murphy Anthony Gamache
                          Brian French Jim Ross & Linda Murphy Anthony Gamache

                          Read testimonials or browse their listing forBrian, Jim and Linda, and Anthony.

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                            Take a peek at 477 Dowsville Road, Duxbury VT

                            https://www.youtube.com/watch?v=EeIgFAJbmDg&list=UUwuep2ZGTkz4XoS1GEKO9ww&index=3&feature=plcp You will know you are home as you wonder onto your new homestead. The 4+ acres of natural terrain and over 900 of Dowsville Brook frontage will be in the background while the peaceful setting provides the perfect welcome home. This Vermont Post and Beam looks modest from the front with a Cape Cod Style appearance. From the side and back, it is evident that the home offers so much more. Open living and dining areas, exposed beams, hardwood cherry flooring, a gas fireplace and 2 French doors accessing the large deck are highlights on the main level. An office/ playroom/ or third bedroom, .5 bath complete the first level. The second floor features a large jetted tub, good natural light and tile work in your second floor bathroom,two nice sized bedrooms including a master balcony to provide a glimpse of the day to come.The basement is a walkout with additional expansion room possibilities. Click here formore specific details of this gorgeous Vermont home orrequest a private showing with Larry Rutherford.

                             

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                              Le coin des francophones!

                              Le coin franais avec le Franais de Brian

                              [youtube width="350" height="250"]http://youtu.be/DFO22djBFG0[/youtube] Prparez vos prochaines vacances la montagne et contactez nous pour trouver votre rsidence secondaire dans l'une de nos nombreuses stations de ski du Vermont. Profitez de taux d'intrts historiquement bas et skiez tout l'hiver ! Les ftes de fin d'anne approchent ! Venez faire les boutiques Burlington et bnficiez de tarifs avantageux sur tous vos achats. N'oubliez pas de prendre une pause dans l'un de nos cafs et restaurants o vous trouverez une ambiamce chaleureuse et conviviale ! Si vous tes en ville pendant une courte priode, projetant une visite, ou regardant pour faire au Vermont votre maison, appel ou email permanent Brian qu'il aimerait parler avec toi !

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                                Enjoy the Lake at 252 Windmill Road in Shelburne, VT

                                [youtube]https://www.youtube.com/watch?v=EOX3PT4yuQE&list=UUwuep2ZGTkz4XoS1GEKO9ww&index=4&feature=plcp[/youtube]

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