With a full range of mortgage loan products, Vermont Federal Credit Union can help you find the loan that best fits your personal needs. Whether you are purchasing or refinancing, our Mortgage Officers are here to help every step of the way. For more information about the Home Buying Process visit our resource.

Limited Time Offer - 97% LTV Residential Loan Program: Purchase or refinance a single family home or condominium with this 5/1 adjustable rate mortgage program with a high loan to value. Borrower must contribute 3%.

Fixed Rate Mortgages

With a fixed rate mortgage loan the interest rate remains fixed for the life of the loan. The rate may be higher than adjustable rates but you have a predictable fixed monthly principal and interest payment. There are a variety of fixed rate programs with rates that can vary depending on the fees paid at the time you close the mortgage loan.

Adjustable Rate Mortgages (ARMS)

Adjustable rate mortgage programs have a starting rate that may offer a lower rate than the fixed rate programs. The interest rate and payment will adjust depending on the terms of the mortgage. For example, a 5/1 adjustable is fixed for the first five years and then the interest rate and payment may adjust yearly for the remainder of the loan.


First-Time HomeBuyer Program

Vermont Federal is a Vermont Housing Finance Agency (VHFA) participating lender. VHFA offers attractive mortgage programs for first-time homebuyersVHFA in Vermont. Income and price limits are in place for VHFA programs; a mortgage officer can review the current details with you.

Construction Loans

A construction-to-permanent loan is the conversion loan of a construction loan to a traditional mortgage loan after the construction is complete.

  • Available only on primary residences
  • Construction term from six - eight months
  • Involves only one closing with modification documents signed at the time the construction is complete
  • Maximum loan - to- value is 75% based on the lesser of the appraised value or full purchase price as documented by the cost of the land and contracts to build
For a $100,000 Mortgage loan for a term of 30 years with a 3.88% APR and 3 points, the monthly payment will be $471.17. Please note that mortgage rates are subject to change regularly. The figure listed is an example. Please contact our Loan Line at
(888) 252-0202, Option 2, for more information about our current rates.
APR stands for "Annual Percentage Rate." Must be a member of the Credit Union to obtain a Mortgage loan. All loans are subject to credit approval. 
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