Mortgages

Your key to homeownership is a NorthCountry mortgage.

Home Loan features:

  • Variety, tailored to your needs
  • Competitive rates
  • Free prequalification

Flexible financing options make you feel right at home.

Whether you're a first-time buyer or longtime homeowner, you'll find plenty of choices for purchasing a home and refinancing your current mortgage. We're a preferred lender for several U.S. government programs, too, focusing on rural housing, mortgages for military personnel and their families, and people who may not qualify for traditional mortgages. 

Our lending team knows our communities and can help you find the right fit in a home loan among these many categories:

  • Fixed-Rate Mortgages 
  • Adjustable-Rate Mortgages (ARMs)
  • Community Land Trust Equity Program
  • Equity Builder Program
  • FHA
  • USDA
  • VA

You're not restricted to using a NorthCountry mortgage just for your primary residence, either. You can finance your real estate purchase or refinance your mortgage on these qualified properties, too:

  • Second/vacation homes
  • Investment properties*
  • Manufactured/mobile homes on owned land
  • Shared equity properties**

* Must qualify for conventional financing if located outside of Vermont

** Vermont only

You've got questions, we've got answers

View All FAQs

A conventional mortgage requires a credit score of at least 620. Other options may have different requirements. Contact us to find your best match.

In general, it should be no higher than 43%.

In general, down payments range from 3% to 5%, depending on the type of property and loan. The exception is manufactured homes, which have a down payment requirement of 20%.