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Welcome to Rachel Smith's St. Albans, Swanton and Fairfax Real Estate Website

Welcome! Here You Can Find Great Information on Franklin, Grand Isle, & Chittenden County Vermont Real Estate 

Looking for homes? Search everything the web has to offer, right here! Don't miss my Feature Homes. 

Need local real estate information? I've summarized much of what is important about the St. Albans, Swanton and Fairfax real estate market in this site. 

Need expert advice? No web site, large or small, can take the place of a real estate agent. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job. 

Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR real estate agent. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. 

Buying and selling a home is one of the biggest events in your life. I have the experience and track record you are looking for. 

- Rachel Smith 

 



Real Estate Tips
Financing Your Home >Qualifying Guidelines

It may be difficult to qualify for a home mortgage loan. As a buyer, you may find the perfect home, but finding the perfect financing might become elusive. After you complete the application process, your lender may turn you down, which is an upsetting development for any prospective homebuyer. What can be done to remedy such a setback?

The answer depends on why you were turned down. If your income is too low to satisfy one mortgage company, there might be another company with more liberal qualifying guidelines. If you have had credit problems, some lenders may be more willing than others to help you clear them up in a manner that satisfies their underwriters. If your loan runs into problems, sit down with the loan officer and your real estate agent to investigate the possibility of using a different lender. The first company may be able to "assign" the package to a competitor, enabling you to use your same credit report and appraisal. You will need the cooperation of your sellers, too.

While loan rejections are disappointing, they can be resolved.

See All Tips In The "Financing Your Home" Category >
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Real Estate Trivia
Q 
What might happen to the Empire State Building in extreme weather?

A 
The Empire State Building can sway several feet to either side when buffeted by a severe windstorm or rainstorm.
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Rachel Smith, REALTOR®, real estate agent and broker for St. Albans, Swanton and Fairfax, Vermont home listings, property and land for sale - NUMBER1EXPERT

Rachel Smith
S.R. Smith Real Estate

353 Fairfax Road
St. Albans, VT 05478
Toll-Free: 877-524-6717
Mobile: 802-782-4961
Fax: 802-524-6718
Rachel@SRSmithRealEstate.com

Contact Rachel Smith for all your Real Estate needs!

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