Home Loans

Whether you're a first-time buyer, making improvements to the home you've had for years, or want to talk about your existing loan, we're here to help.

Ready to begin? Schedule an appointment with us or use our online application to start anytime, stop when you want, and come back later.

Picture of a home with white picket fence in a neighborhood at sunset. Free prequalifications on home loans! Equal Housing Lender logo. NMLS#415758 Insured by NCUA


Our experienced team will walk you through your financing options, and help you choose the one that's the best fit. Financing is available for up to 30 years, and we offer several special options (below) including FHA, VA, and USDA.

We finance:

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

Don't see what you're looking for? Ask us!

*Property located in Vermont only. Investment properties do not need to be in Vermont if they qualify for conventional financing.

Building or Renovating

Our construction loans get you through every step of the process – from buying the land to applying the final coat of paint. Your loan is based on your home's projected post-project value, potentially providing you with a bigger spending budget for your home renovation.


Outdated kitchen?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

3-2-1 RELOC

Use your real estate's equity to secure a line of credit with a term of 5, 10, or 15 years. You'll have a two-year draw period, and pay one fixed rate for the life of the loan. An excellent financial solution for your short-term projects!

Home Equity Line of Credit

Tap into your home's equity and be prepared for maintenance emergencies, or have funds readily available for almost any purpose. Get the flexibility to draw funds whenever you need them.

Home Improvement Loan

Borrow up to $25,000 at a fixed rate, and take up to seven years to pay it back. No equity required!


Refinancing your home or other property may lower your payment. Contact us and we can show you how refinancing would affect your budget's bottom line.

Consolidating Debt

Ask us about lumping your debit into one easy-to-manage monthly payment at a low rate. When you're ready, contact one of our loan officers and we'll get the process started.

Special Programs

To provide you with as many options as possible, we offer a variety of innovative home loans. No two homes are alike. One of our many home financing options is sure to be a good fit.

Low Down Payments

Yorkshire Terrier wearing green bandana with NorthCountry logo sits on gray couch amid daffodil buds. Behind the dog is a throw pillow with fancy font that says Home Sweet Home. Text overlay is right-justified and says, Let's fetch some money for your down payment! New paragraph, in itallics, See a mortgage loan officer for details. NMLS#415758 and Insured by NCUA in bottom right-hand corner. Equal Housing Lender logo in bottom left-hand corner.

Our experience and knowledge of conventional and government loan programs can open doors to homeownership, even without a large down payment.

The Federal Home Bank of Boston's Equity Builder Program provides down payment assistance to households with incomes that are at 80% or less of the area median income. Please contact us to see if you qualify.

Adjustable Rate Mortgages (ARMs)

An ARM may help you afford a more expensive home, or keep your payments low if you intend to own your home for a short time. After the initial fixed term expires, the rate is adjusted every year based upon the market rates at the time.

Champlain Housing Trust

The Shared Equity Program pays up to 30% of your home's value, reducing the amount of your mortgage. When you decide to sell, you sell the home back through the housing trust to another qualified buyer.

Federal Housing Administration (FHA)

FHA loans are for single family and multi-family homes in designated rural areas. A good credit history is required, as well as employability, job stability, and reliability.

FHA loans accept down payments as low as 3.5%. Private Mortgage Insurance (PMI) is required for a minimum of 11 years, based on your home's loan-to-value ratio.

Home Affordable Refinance Program (HARP)

If your loan is owned by Fannie Mae or Freddie Mac, you've remained current on your mortgage, and have at least 20% equity in your home, you may qualify for HARP. Through HARP, homeowners with little or no equity can refinance into more affordable mortgages without new or additional mortgage insurance.

United States Department of Agriculture (USDA)

Borrowers in USDA designated rural areas who have low to moderate incomes may qualify for loans through the USDA. The program requires little or no down payment or out-of-pocket costs. USDA loans are for 30 years at a low fixed rate.

Veterans Administration (VA)

Potential homebuyers who meet basic service requirements have access to loans with no down payment requirement, low rates, and no requirement for mortgage insurance. VA home loans are available for buying or refinancing a primary residence, including qualifying condominiums, townhomes, modular homes, and new construction. Spouses of service members who were disabled or died while in the line of duty may also be eligible.

Reward Education and Choose Homeownership (REACH)

Reward Education And Choose Homeownership REACH logo in navy blue. Logo is a house wearing a graduation cap with a happy smile.If student loan debt is standing between you and homeownership, REACH may be the solution. 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, or schedule an appointment with a loan officer.

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

* APR = Annual Percentage Rate

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