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 Originators are here to help every step of the way with local servicing. For more information about the Home Buying Process visit our resource page.House image

First Time Home Buyer Program - 97% LTV Residential Loan Program: Borrow up to 97% of the home value when you purchase a single family home or condominium - that's only 3% down!

Ask how to get $11,000 in down payment and closing cost assistance with the equity builder program.
The Federal Home Loan Bank (FHLB) is offering a special grant program through Vermont Federal Credit Union. Qualified applicants will receive help in down payment and closing costs of a new home up to $11,000. Qualifications are based on income levels and property values in the area you are looking to buy. Grants are available first-come, first-served.
Contact our Mortgage Team for more information.

Current Mortgage Rates

Home Insurance

Mortgage Pre-Qualification

Mortgage Calculator

Fixed Rate Mortgages

With a fixed rate mortgage loan the interest rate remains fixed for the life of the loan. Fixed Rates provide you a predictable monthly principal and interest payment. There are a variety of terms available with fixed rates.

Adjustable Rate Mortgages (ARM)

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

Vermont Housing Finance Agency

Vermont Federal Credit Union is a Vermont Housing Finance Agency (VHFA) participating lender. VHFA offers attractive mortgage programs for purchase VHFA in Vermont. Income and price limits are in place for VHFA programs; a mortgage originator can review the current details with you.

VA Loans

Fixed rate mortgages available for eligible Veterans looking to purchase or refinance a primary residence.

  • 15 and 30 year programs available up to $453,100.
  • 100% financing available for qualified Veterans.

Construction Loans

A construction-to-permanent loan is a construction loan that converts 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 70% based on the lesser of the appraised value or full purchase price as documented by the cost of the land and contracts to build

Financial Fitness Center

Education on Mortgages:

  • Pros and cons of home ownership
  • Assessing your personal and financial readiness of home ownership
  • Common costs associated with home ownership
  • How Lenders evaluate mortgage readiness and make loan decisions

Mortgage Module

  • Mortgage costs and considerations
  • Different types of mortgages
  • Applying for a mortgage

  • Terms such as delinquency, grace period and foreclosure.
  • Common mortgage modification options.
  • Potential implications of late payments on your credit report.




  • Equal Housing Lender
  • Falcon ATM Network
  • Credit Union Service Centers
  • Vermont Federal Investment Services Insurance Products
  • Facebook