A MORTGAGE FOR EVERYONE, NO MATTER WHERE YOU ARE ON YOUR JOURNEY

    Whether you are buying, or refinancing a home, Vermont Federal is here to help you achieve your homeownership aspirations. Our seasoned Vermont Mortgage Originators are here to guide you through each phase of your journey.

     

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    Your New Home Starts Here!

    Thinking about becoming a homeowner? Start your journey by getting pre-qualified today! With pre-qualification, we'll provide a confirmation letter locking in your interest rate for 30 days, giving you the confidence to search for your dream home. Begin your adventure now! Apply online or get in touch with one of our Vermont Mortgage Originators and discover why thousands of Vermonters choose Vermont Federal for their homeownership goals.

    At Vermont Federal, we're with you every step of the way, ensuring a smooth, easy, and stress-free journey to the front door of your new home. 

     

     Start Your Pre-Qualification

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    Your Local Mortgage Lender

    Looking to buy your first home, build your dream house, or invest in a lucrative opportunity? Our expert Mortgage Origination Team is here to provide unparalleled support as they walk you through the home-buying process. 

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    Calculate Your Mortgage Payment

    Are you curious about your mortgage payments? Our user-friendly mortgage calculator will help estimate your monthly payments effortlessly.  Take the guesswork out of homeownership and start planning with confidence today!

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    VHFA Mortgage Programs

    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.

    Learn About The Homebuying Process

    Purchasing a home can feel like a daunting task, especially if it’s your first time. It's easy to get overwhelmed trying to navigate the process, figure out who's involved, and understand what you need to achieve your dream of becoming a homeowner. Use our ULTIMATE GUIDE TO THE HOME BUYING PROCESS to gain a better understanding of the steps to come!

    Read Our Homebuying Guide

     

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    Meet Our Mortgage Team

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    Tina Plante

    MORTGAGE ORIGINATOR - NMLS# 103632

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    Megan Mclane
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    Megan McLane

    MORTGAGE ORIGINATOR - NMLS# 877013

    View Bio
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    Marie Smith

    MORTGAGE ORIGINATOR - NMLS# 696946

    View Bio
    Jen Ciechanowicz - Mortgage Originator
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    Jen Ciechanowicz

    MORTGAGE ORIGINATOR - NMLS# 825855

    View Bio
    Kit Crowne - Mortgage Originator
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    Kit Crowne

    MORTGAGE ORIGINATOR - NMLS# 49595

    View Bio
    Shauntell Barnum - Mortgage Originator
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    Shauntell Barnum

    MORTGAGE ORIGINATOR - NMLS# 1625552

    View Bio

    FIND OUT HOW MUCH YOU CAN AFFORD

    Explore the possibilities of your home-buying journey with our mortgage calculators. Whether you're a first-time buyer, looking to refinance, or exploring investment opportunities, our calculators are designed to offer customized solutions for your specific mortgage needs. Dive into a seamless and intuitive experience that guides you to pinpoint your ideal affordability range, so you can confidently navigate the real estate market with confidence and precision.

     

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    Payment Amortization Calculator

    Calculate your monthly mortgage payment and discover how the principal is paid over the course of the loan.
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    Renting vs Ownership Calculator

    Calculate the financial difference between renting an apartment and purchasing a home.
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    Annual Percentage Rate Calculator

    Determine your Annual Percentage Rate (APR) for both fixed-rate and adjustable-rate mortgage loans effortlessly.
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    Debt Consolidation Calculator

    Determine if you can consolidate your debt by combining it with your home mortgage.
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    Prepayment Savings Calculator

    Find out how soon you can pay off your mortgage by making a prepayment.
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    Early Payoff Calculator

    Determine the additional monthly payment amount needed to pay off your mortgage loan sooner.
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    Refinance Break-Even Point Calculator

    Discover the timeframe to reach the "break-even" point with your refinanced mortgage.
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    Tax Savings
    Calculator

    Calculate your potential tax deductions from acquiring a new mortgage.

    First-Time Home Buyers

    Becoming a first-time home buyer is not just a milestone, it's a major accomplishment that deserves recognition. At Vermont Federal, we deeply understand the significance of this achievement, and we are committed to helping you turn your dream of owning a home into a reality! 

    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 that you only need to provide a minimal 3% down payment. 

    Don't let the fear of saving for a down payment hold you back from making one of the most important investments of your life. 

    Contact Us To Learn More
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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

    *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.

    Homeowners Insurance

    As a member of Vermont Federal, you are eligible for a discount on home insurance with Travelers and get access to these great benefits:

    • Additional discounts could be available like multi-policy or loss free
    • Free, no-obligation quotes from licensed insurance representatives by phone or online
    • Easy payment options, including electronic funds transfer (EFT)
    • 24/7 claim reporting and customer service
    • More Choices – If Travelers isn't the right fit at this time, you can compare quotes from up to 50 national and regional carriers through InsuraMatch, a wholly owned agency of Travelers.

    To get a quote call 1-844-995-3641 or click "Get A Quote" to quote online and see full details including legal disclosures.

    Get a Quote
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    Still Have Questions?

    We’ll help point you in the right direction.