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

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 5/1 ARM is fixed for the first five years and then the interest rate and payment may adjust yearly for the remainder of the loan.  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.

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VA Mortgages

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

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

Meet our Mortgage Originators

Patricia Boyce

Mortgage Originator

NMLS# 291065

Patricia grew up in Vermont and has more than 28 years of mortgage experience. As a former branch manager in St. Albans, she handled both mortgage and consumer loans and has a sound understanding of the lending process. Patty is focused on member service and making sure our members realize the best loan for their individual needs. Her goal is to make your home buying or refinance experience as easy as possible and help you get into the house of your dreams!

Direct: (802) 923-1324

Toll Free: (888) 252-0202 x2002

Email: pboyce@vermontfederal.org

Apply for a Mortgage with Patricia

Patricia Boyce headshot
Tina Plante headshot

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

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

Megan-Hampton
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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

Lindi Quesnel

Mortgage Originator

NMLS# 968279

Lindi was born and raised in Vermont, graduating from Vergennes Union High School. After attending and graduating from Gordon College in Massachusetts, she knows for sure there is no place she would rather be than Vermont. Lindi has worked at Vermont Federal Credit Union for nearly six years, serving members in various roles out of the Middlebury branch. She is excited to work with you to achieve your goals of home ownership, refinancing your current home, or even just answering questions to get you started!

Direct: (802) 385-3063

Toll Free: (888) 252-0202 x2002

Email: lquesnel@vermontfederal.org

Apply for a Mortgage with Lindi

Lindi Quesnel headshot
Mark Antell headshot

Mark Antell

Director - Residential Origination

NMLS# 561825

Mark grew up in Burlington and has been a resident of Chittenden County for most of his life. He has over 15 years of experience in the mortgage industry and bases his career on "integrity, service and customer satisfaction." Helping members achieve their home-buying needs is his first priority. Contact Mark if you are looking to purchase a new home or to refinance your current home.

Direct: (802) 923-1126

Toll Free: (888) 252-0202 x2002

Email: mantell@vermontfederal.org

Apply for a Mortgage with Mark

Still Have Questions?

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