Whether you are buying, building, or refinancing, Vermont Federal is your trusted partner in accomplishing your home ownership goals. Our experienced Mortgage Originators are here to help you every step of the way.

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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.  See how much mortgage you might qualify for.

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Adjustable Rate Mortgages

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 5/6m ARM is fixed for the first five years and then the interest rate and payment may adjust yearly for the remainder of the loan.  See how much mortgage you might qualify for.

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VHFA Mortgages

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

First-Time Home Buyers

At Vermont Federal, we know how big of an accomplishment it is becoming a first-time home buyer. Because of that, we want to do everything we can to help you get there sooner. Many first-time home buyers struggle to come up with the necessary down payment.  With our first-time home buyer program, you can borrow up to 97% of the home value or purchase price (whichever is lower) when you purchase a single family home or condominium.  This means you only need a 3% down payment.

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Seed Money Mortgage Assistance Program for First-Time Home Buyers

Still need some assistance with the down payment?  We’re here to help you realize your dream of home ownership, with our new mortgage assistance program that 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


Megan Hampton

Mortgage Originator

NMLS# 877013

Megan is a lifelong resident of Vermont and previously worked as a branch manager. Megan is committed to helping you through the process, and can provide answers to your questions with the quick turn-around and attention to details that only a local, experienced professional can offer. Contact Megan if you are looking to pre-qualify, finance the purchase of a new home, or to refinance your current home.

Direct: (802) 923-1214

Toll Free: (888) 252-0202 x2002

Email: mhampton@vermontfederal.org

Apply for a Mortgage with Megan

Jen Ciechnowicz

Jen Ciechanowicz

Mortgage Originator

NMLS# 825855

Jen returned to Vermont in 2006, she could not be happier with the community and all the outdoor activities Vermont has to offer regardless of the season!  Jen began her banking, specifically Credit Union career with Vermont Federal Credit Union in 1997 and has held many roles including teller, loan processor, mortgage originator and branch manager before transitioning to the Mortgage Team. Whether you’re buying your first home, looking for your dream home, or refinancing an existing mortgage, Jen is eager to assist you with your home financing needs!

Direct: (802) 923-1221

Toll Free: (888) 252-0202 x2002

Email: jciechanowicz@vermontfederal.org

Apply for a Mortgage with Jen

Kerry Powell

Mortgage Originator

NMLS# 1478880

Kerry is a Vermont native who has lived in Chittenden County her entire life. She attended college in New Hampshire but knew there was no place like home and returned to Vermont after graduating. Kerry joined Vermont Federal Credit Union in 2016 as a Consumer Loan Officer and loves helping members to achieve their financial goals. Kerry looks forward to making the dreams of homeownership a reality! If you aren't sure where to start, Kerry will be happy to assist in getting you on the right path for your first home purchase, investment property or refinancing of your current home.

Direct: (802) 923-1394

Toll Free: (888) 252-0202 x2002

Email: kpowell@vermontfederal.org

Apply for a Mortgage with Kerry

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Marie Smith

Marie Smith

Mortgage Originator

NMLS# 696946

Marie is a lifelong resident of VT who currently resides in Lamoille County. She has 23 years of banking experience and is committed to providing exceptional service to our members and business partners. Marie has a true passion in helping members achieve their goal of owning their own home or refinancing an existing home. She will work hard to ensure a genuine experience with an open line of communication every step of the way.

Direct: (802) 923-1138

Toll Free: (888) 252-0202 x2002

Email: msmith@vermontfederal.org

Apply for a Mortgage with Marie

Tina Plante

Mortgage Originator

NMLS# 103632

Tina has lived in Vermont for over 30 years, and has more than 25 years of mortgage experience. Tina prides herself on taking the time to learn about your needs and goals, explaining the mortgage process and the various options available to help you reach your end goal of being a home-owner. Whether you’re interested in purchasing a new home or are refinancing an existing home, contact Tina for help throughout the process.

Direct: (802) 923-1329

Toll Free: (888) 252-0202 x2002

Email: tplante@vermontfederal.org

Apply for a Mortgage with Tina

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Still Have Questions?

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