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      Blog :: 2018

      Shock the Monkey. Keep Your Vermont Drinking Water Bacteria Free. Chlorination 101.

       

       

       

       

       

       

       

       

       

       

       

       

       

       

      Clarity. Purity. Divine. Water. 

      So many run for the hills to the gorgeous Vermont Green Mountains in part to escape Babylon, the concrete jungle and all that congestion brings including crowds and pollution. Vermont is a utopia, far from the Madding Crowd where you can hear the coy dogs howl in summer, listen to the silence of snow falling, and swim in pristine rivers and some of the best swimming holes on the planet, sip the drops off the melting icicles in winter.

      We exalt in our drinking water. My last log cabin in paradise shared a spring with five or so other homes, all drawing from the same overflowing bubby underground water supply framed by a rudimentary concrete tile (large vertical pipe), running across the fields of azure through a plastic hose that the beavers would seek out and nibble through in a primal attempt to start a new beaver dam, another story entirely. That spring water was some of the most delicious I've ever tasted. 

      In Northfield there's a famous spring with a spigot by the side or Route 12A that many flock to with their containers, just off the Dog River, providing drinking water to connoisseurs from near and far. We are fortunate in so many ways in Vermont chief of them perhaps is our abundance of water, seeping up through the ground across the land forming wetlands, springs, bogs, mush back yards, itinerant springs and often in abundance. Yes, our mountains are very green and in we're in no danger of running dry anytime soon even if some wells aren't consistent producers or have gone bone dry in drought.

      Yet all is not golden in Lala land. Even the most delectible water can have impurties, chief of which are the bacteria e-coli and coliform, the two basic scoundrels property inspectors test for when purchasing a house up here.

      Shocking isn't it?

      And shocking is usually the tonic called for. Primitive really, dumping a gallon or more, or less, right into your well to chase off the villains interrupting that soothing perception of perfect paradise. Mom knew what she was doing in the laundry room with Clorox, bleach in essence, purifying those whites, kicking out the stains and disinfecting the family germs.

       

       

       

       

       

       

      Here's a link to the State of Vermont Instructions on how to disinfect your water that may be helpful, though it's advisable to hire a professional water purification company to do the honors including re-testing.

      Reshocking at higher concentrations and or allowing a longer sitting period before flushing can bring redemption but even reshocking can fail. In those unusual but far from rare cases, it's the big guns that get brought to the table. 

      Enter Ultraviolet Light filtration which one water purification company rep this week confidently guarantees clean retest results 99.9% of the time. This week I received an estimate, including installation, @ about $1,600. Compare that to shocking which might run in the $350 to $450 range, isn't guaranteed, and is likely to be a recurring tool in the fight for bacteria free water. UV systems do require maintenance and service and replacing the UV bulb, depending on manufacturer guidelines, may be part of that regimen. These sleek powerhouses zap the bacteria but don't filter out other impurities including pernicious radon in water (absolutely worth testing for as it's a major carcinogen) which is more commonly treated with carbon filtration depending on concentration levels.

      Helping to keep you safe and healthy is a major concern at Maple Sweet Real Estate as there is almost always more than meets the eye. Having an experienced professional at your side can mean the difference between health and illness and means much more than having just valuable comparative property value insight. You are the most important part of your home and safeguarding you and your is paramount. The key to your health. 

      For more information on health in your home, water purification company recommendations, or on any facet of buying or selling real estate, you're most welcome to call me on my cell at 802-793-1515 or reach me at claytonpaul@maplesweet.com 

      If you are an expert in the field of water, it would be fantastic to hear from you to help fine tune the information above.

      Maple Sweet Real Estate delves deeply into myriad issues affecting Vermont property owners, sellers, and purchasers.

      Connect to maplesweet.com, e-mail info@maplesweet.com or call toll-free 1-800-525-7965 for info on selling or purchasing Vermont commercial properties, homes, condos or land or to get more information on Vermont real estate. 

      See all Maple Sweet Real Estate listings and the newest Vermont listings.

      Referrals & recommendations are welcome & appreciated.

      Vermont Mandatory Consumer Disclosure: please note Vermont  real estate agencies represent Sellers directly or indirectly. Buyer representation can be gained for properties not already listed by Maple Sweet Real Estate. To better understand the merits of or arrange for buyer representation, please email or call for further details.

      Information Disclosure: information provided and relayed by Maple Sweet Real Estate is not represented to be accurate or free of errors. While substantial efforts are made to obtain and convey information from sources deemed dependable, Maple Sweet Real Estate does not guarantee or warranty such information is accurate or reliable. All information should be independently verified.

      Have you Served? Real Estate Financing for American Servicemen, Servicewomen and Veterans in Vermont

      Maple Sweet Real Estate proudly helps American servicemen and servicewomen buy and sell Vermont homes and property.

      Navigating the complex ins and outs of securing home mortgages is complicated. Here's a primer to help you understand valuable considerations in the quest to secure the best military service financing options.

      VA (Veterans Administration) loans are mortgages guaranteed by the US Dept of Veterans Affairs but provided by various private mortgage lenders and not, as often thought, by the US Government. VA loans are intended for vets, active military, reservists and select surviving spouses with no down payment and, as per Wikipedia, allow for "103.3 percent financing without private mortgage insurance (PMI) or a 20 percent second mortgage and up to $6,000 for energy efficient improvements."

      Do you know your credit score? While the FHA  miniumum is 500 or 580 if puttiing 3.5% down, many lenders require a 620-640 miniumum vs the 680 sought for conventional loans. Benefit from relaxed credit requirements. Traditional DTIs (Debt to Income Ratios) for conforming loans are 28%. For VA loans it's most often 41%, quite a bit more lenient and, in certain cases up to a whopping 80%.

      Skip paying PMI Unlike conventional and FHA loans, VA loans don’t require monthly mortgage insurance. On a $250,000 mortgage, FHA’s annual mortgage insurance can add $170 per month to your mortgage insurance.That's $2,040 a year in savings for veterans borrowing $250k.

      Receive a  COE (Certificate of Eligibility) to qualify. Apply by mail with this application or apply online via the VA eBenefits portal.

      While there are myriad advantages to VA Mortgages, they are not free. The VA funding fee ranges from 0 to 3.3% of the loan amount are paid to the VA. It may be financed and some may qualify for an exemption. VA funding fees range from .5% to 2% of the loan amount unless the loan applicant receives 10% or more in disability compensation. For first-time homebuyers, the funding fee is typically:

      2.15% of the loan amount for those who've had active duty service.

      2.4% for those in reserves/national guard and

      3.3% for subsequent uses by active or reserve, national guard

      Most other closing costs can not be rolled into the loan but can be paid, if agreed to, by the seller(s), as well as up to 4% of the gross loan amount in contract related concessions.

      Maximum loan guarantees without down payment vary by county but are the same in all Vermont counties, $453,100. Compare this to the United State Dept of Agriculture Rural Development loan limit for Washington County, the highest in Vermont, $239,000.

      For more detailed info check out the Vermont Office of Veterans Affairsthe VA website , this VA home loans fact sheet or connect with a Veterans United loan specialist in more detail at 855-233-2427.

      To help you find Vermont lenders providing VA loans, here's a list to start with and a summary video from Quicken Loans to help shed light on VA loan requirements and loans.

      The most enjoyable part is of course finding the right home for your VA Mortgage. We look forward to hearing from you. Contact us today to schedule a showing or with any VA Mortgage or other Vermont real estate questions. And most of all, thank you ever so much for your service.

      Connect to maplesweet.com, e-mail info@maplesweet.com or call toll-free 1-800-525-7965 for info on selling or purchasing Vermont commercial properties, homes, condos or land or to get more information on Vermont real estate. 

      See all Maple Sweet Real Estate listings and the newest Vermont listings.

      Maple Sweet Real Estate delves into myriad issues affecting Vermont property owners, sellers, and purchasers.

      Referrals & recommendations are welcome & appreciated.

      Vermont Mandatory Consumer Disclosure: please note Vermont  real estate agencies represent Sellers directly or indirectly. Buyer representation can be gained for properties not already listed by Maple Sweet Real Estate. To better understand the merits of or arrange for buyer representation, please email or call for further details.

      Information Disclosure: information provided and relayed by Maple Sweet Real Estate is not represented to be accurate or free of errors. While substantial efforts are made to obtain and convey information from sources deemed dependable, Maple Sweet Real Estate does not guarantee or warranty such information is accurate or reliable. All information should be independently verified.

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