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.
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.
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.
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!
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.
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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Shauntell believes that ‘home is where the heart is’ and for her whole life, that has been Addison County. She started her career with VFCU in 2015 in the Middlebury office as a Teller and then later as a Member Service Representative. More recently, Shauntell worked as a Consumer Loan Officer and gained her financial counseling certification, which she believes allows her to help you with that much more detail and care. Shauntell strives to provide the best possible experience to our membership and appreciates making strong connections with fellow Vermonters. Whether you are buying, refinancing, or exploring second mortgage options, Shauntell is excited to help others follow their dreams.
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.
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.
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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 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.
As a member of Vermont Federal, you are eligible for a discount on home insurance with Travelers and get access to these great benefits:
To get a quote call 1-844-995-3641 or click "Get A Quote" to quote online and see full details including legal disclosures.
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