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

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First-Time Home Buyers

Attend one of our annual home buying seminars to learn more about the various options for first-time home buyers.

  • 97% LTV (Loan to Value) 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!
  • NEW! SEED Money
    Realize your dream of home ownership. This new mortgage assistance program can provide up to $7,500* towards your closing and down payment costs.
    • Available for first-time home buyers, or those who have not owned a home solely
    • Conventional mortgages only
    • Single family homes, approved condominiums, or double-wide manufactured homes
    • 3% of the purchase price up to a maximum of $7,500
    • Household income limit of $125,000
    • 100% Maximum combined Loan to Value

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.



*Available for first-time home buyers who do not qualify for other assistance programs. Second mortgage loan at 0.00% interest, with no monthly payment due. If first mortgage is refinanced, paid off, or the property is sold, or the property is converted to a rental property the second mortgage will be due in full. After 15 years the second mortgage is forgiven. Other restrictions apply.


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