Home Loans

Whether you’re buying, building, improving your home, or looking to reduce your payment or term, we can help you make it happen. Our home loans can be customized to your needs, and we’re here to walk you through the process with minimal hassle.

Start the application now, stop when you need a break, and pick it up again when you’re ready to keep going. It should take about 15-20 minutes to complete. Let’s get started!


We finance homes in Vermont for up to 30 years, including:

  • Primary residences*
  • 2nd/Vacation homes*
  • Investment property
  • Manufactured/Mobile homes on owned land
  • Condos*
  • Shared equity properties

*Also available for out-of-state property

Building or Renovating

Our construction lines of credit can get you through every step of the process, from buying the land to the final coat of paint. These products offer the opportunity to tap into your home’s anticipated equity after project completion. Two options are available. The first is for projects lasting 90 days or less, and the second is for projects lasting up to one year. When your home is finished, your construction line of credit is closed and the mortgage process begins.


Outdated kitchen? Dreary bathroom? Ask about our flexible financing options:

  • Home Equity Line of Credit (variable rate)
  • Second Mortgage (fixed rate)
  • Unsecured Home Improvement Loan (fixed rate)


Want to reduce the rate or term on your loan? Need some extra cash to pay for a big expense? Refinancing your home, or other property, can help you accomplish these goals!

Consolidating Debt

Use your home’s equity to consolidate your debt into one monthly payment at a low rate. Please Contact Us to review your options.

Special Programs

To provide you with as many options as possible, we offer a variety of innovative home loans

Low Down Payment Requirements

There are both conventional and government loan programs available that require as little as a 3% down payment when buying a home. This can open up home ownership opportunities for individuals and families who lack access to large sources of down payment funds.

Adjustable Rate Mortgage (ARM) – 3/1, 5/1 and 7/1

An adjustable rate mortgage is a home loan where the rate is fixed for a period of time (3,5, or 7 years) and is then adjusted every year based upon current market conditions at the time. Adjustable rate mortgages may be lower than a fixed rate mortgage at any given time. Borrowers must review the pro’s and con’s before entering into an adjustable rate mortgage.

Champlain Housing Trust

We offer 30 year fixed rate loans for buyers purchasing homes through CHT’s Shared Equity Program.


A mortgage loan insured by the Federal Housing Administration. The requirements to obtain an FHA loan may be less stringent than a conventional loan including down payments as low as 3.5% and more flexible credit standards.


Home Affordable Refinance Program is available to borrowers with loans that are owned by Fannie Mae or Freddie Mac who have remained current on their mortgages but have little or no equity.


This program offers assistance to low and moderate income rural residents. It was designed to help qualify rural residents with better access to affordable housing finance options with little or no down payment or out-of-pocket costs. 


This program was designed to help Veterans reach the American dream of homeownership.  One of the key benefits of this program is that it offers a no down-payment loan for eligible veterans interested in purchasing or refinancing a primary residence. 

REACH (Reward Education and Choose Homeownership)

Reward Education And Choose HomeownershipNew! Make the transition from college graduate to first-time homeowner sooner with a little help from your friends at NorthCountry. REACH increases your buying power by refinancing your student loan debt at a low fixed rate, in conjunction with a loan for your first home. To get things started, complete our online mortgage application and contact a loan officer to get the details and schedule an appointment.

Looking for more information on REACH? Please visit our FAQ page.

* APR = Annual Percentage Rate

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