Jay Vallieres, NMLS 194574

05/26/2026

5.0 star review received on Experience.com for Jay Vallieres by Heather C - Jay was amazing! He helped my clients navigate preparing for a new investment property. His guidance helped them make the right choices and they were so happy with how smooth the process was from start to finish.

Click to see all 115 reviews of Jay Vallieres, Market Leader

05/26/2026

5.0 star review received on Experience.com for Jay Vallieres by Laurie T - Good understanding of the process each step and prompt, excellent communications.

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05/22/2026

5.0 star review received on Experience.com for Jay Vallieres by Lauren T - I went into the process knowing very little and felt supported throughout the experience . Communication was great and I felt confident in the team of people helping me that we would be able to get to closing smoothly!

05/22/2026

5.0 star review received on Experience.com for Jay Vallieres by Ivy N - Thank you Jay! You and your team went the extra mile.

04/14/2026

🏡 Did You Know?
Most major mortgage programs have the same hard rule for manufactured homes.
If a manufactured (mobile) home was built before June 15, 1976, it does not qualify for financing through:

✅ VA
✅ FHA
✅ USDA
✅ Fannie Mae
✅ Freddie Mac

Why? Homes built before that date were constructed before federal HUD building standards existed. Even if the home is in great shape, no renovations, retrofits, or engineer certifications can change its age or HUD status.
🔍 Important clarification:
Engineer certifications do help with foundation requirements on newer HUD‑code homes — but they cannot make a pre‑1976 home eligible for agency financing.

✅ So what options do exist?
Pre‑1976 homes are often financed through:

💰 Cash
🤝 Seller financing
🏦 Local bank or portfolio loans
🚚 Chattel (personal property) loans

Each comes with different terms and considerations, so it’s important to know upfront.
💡 Pro tip: Verifying the build date and HUD certification early can save buyers, sellers, and agents a lot of time and frustration.

03/26/2026

🚨 Major Condo Financing Update 🚨
Big news from Fannie Mae & Freddie Mac that opens the door for more condo approvals and fewer roadblocks for buyers and sellers.
✅ More flexible insurance requirements
✅ Easier approval for smaller condo projects
✅ Fewer issues with investor concentration
✅ More previously “non‑warrantable” condos back in play
If you or your clients have struggled with condo financing in the past, it may be worth another look.
Happy to be a resource and talk through how these changes could impact a specific condo or project. Just reach out. 👋

02/18/2026

🎖️ VA Buyers: Need help with your down payment? 🎖️
One of the biggest hurdles to homeownership is coming up with cash upfront—but eligible veterans may have more options than they realize.
VA Boost is a down payment assistance program designed to help qualified VA buyers reduce the cash needed to buy a home and keep more money in their pocket. 🏡
✅ Down payment assistance for eligible VA buyers
✅ Helps preserve savings
✅ Makes homeownership more accessible
If you’re a veteran or active‑duty service member wondering how to make the numbers work, this program could be a great fit.
📩 Message me to see if VA Boost works for your situation.
👉 Learn more:

01/13/2026

5.0 star review received on Experience.com for Jay Vallieres by Megan M - Jay was readily available by text and phone after hours and on weekends. He even made time around his daughter's basketball schedule to chat. He definitely went above and beyond!

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12/21/2025

5.0 star review received on Experience.com for Jay Vallieres by Shelly N - Jay was very patient with all of my questions as a first time home buyer. He explained everything in a way that I could understand. He was always friendly and respectful. He helped to make this overwhelming process less stressful.

Click to see all 108 reviews of Jay Vallieres, Market Leader

12/16/2025

Alongside emergency agencies from across the state, The Burlington Fire Department will once again be participating in Operation Firecuffs this holiday season. Operation Firecuffs is a toy drive benefiting children who are hospitalized at The University of Vermont Children’s Hospital. The gifts received will benefit children not only during the holidays, but throughout the year as well. On December 19th, a parade of emergency vehicles trailed by Santa Claus in Rescue 1 will be delivering the donated gifts to the hospital. If able, please consider donating a new, unopened, unwrapped gift or gift card to any of the 5 fire stations in the city.