Mortgage Lenders
We’ve compiled a list of local Vermont mortgage lenders. If you’re looking into purchasing a home, this is an important resource. Please contact us if you have any questions about the process of obtaining a mortgage loan for your upcoming investment. We’re here to help you accelerate your life today!
| Bank/Mortgage Co. | Offer Mortgages to Buyers with 20% Down | Offer Mortgages to Buyers with Credit Scores under 620 | Offer FHA/VA VHFa or Nhhfa Loans | Are mortgages held in-house (Not re-sold) | Branch/Office Locations |
|---|---|---|---|---|---|
| HomeBridge Financial Services Inc http://HomeBridge.com | Yes – 0% down for VA & VA Renovation & RD. 3.5% FHA & FHA Renovation. 3% Conventional. 5% Renovation | Yes | Yes | Majority are | Colchester Office / Mobile Across VT |
| Union Bank http://Ublocal.com | Yes – 0% VA & USDA. 3.5% FHA. 3-5% down for conventional | 640 is current cut-off | Yes | Majority are | Franklin / Lamoille / Caledonia / Chittenden counties |
| Benchmark Mortgage http://Benchmark.us | Yes – 0% down USDA RD & VA loans. 3.5% FHA | 620 is current min score | Yes – FHA & VA | No | Essex |
| Heritage Family Credit Union http://Hfcuvt.com | Yes – 5% down | Yes. No min score | No | Some | Rutland / Brandon / Bennington / S. Londonderry / Fair Haven / Ludlow |
| Mansfield Mortgage Professionals http://Mmptv.com | Yes – 3.5% down for FHA. 0% down for VA & USDA rural housing | Yes – as low as 580 on FHA & VA | Yes – FHA & VA including 203K FHA rehab loan | No | Essex Jct |
| Mortgage Financial Inc. http://MortgageFinancialVermont.com | Yes – 0% down for VA & USDA RD & VA loans. 3.5% FHA | 620 is current min FICO score | Yes | No | Colchester / Stowe |
| N.E. Federal Credit Union http://Nefcu.com | Yes – 0% down for VA & USDA rural dev. 3% for in-house adjustable loans | No | Yes – VHFA & VA | Majority are | St. Albans / Williston / Essex Jct. / S. Burlington |
| North Country Federal Credit Union http://NorthCountry.org | Yes – 3% down | Yes | Yes – FHA | Some | Chittenden / Washington / Grand Isle / Orleans / Calendonia counties |
| One Credit Union http://Onecu.org | Yes – 0% down on USDA RD & VA loans. 3.5% on FHA. 3-5% for conventional | 620 is current min cut-off | Yes – FHA & VA | Some are | Essex Jct. / S. Barre / Vergennes / Springfield / Chester |
| Peoples Trust Company http://Ptcvt.com | 0% down payment with USDA rural development | Yes | Yes – VHFA | Majority are | Essex / Enosburg / St. Albans / Georgia / Swanton |
| Vermont Federal Credit Union http://VermontFederal.org | Yes – 3% down VHFA. 5% otherwise | 620 is current cut-off | Yes – VHPA & VA | Some are | Burlington / S. Burlington / Milton / St. Albans / Middlebury / Vergennes |