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First-Time Home Buyer Programs

Your new home is within reach.

We’re here to make homebuying easier

Your first experience buying a home can and should be exciting. We’re here to help you navigate the steps to home buying and make confident decisions backed by information from our mortgage experts.

Find a mortgage that’s right for you.

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Vermont Housing Finance Agency

We partner with local housing agencies like VHFA to offer down payment assistance, lower rates and closing costs, and significant grants to eligible homebuyers. As a local partner and one of VHFA’S top lenders, we can help you get the most out of these programs so that less comes out of your pocket.

Affordable Chittenden County Apartment

Community Lending Mortgage

We work with community-based lending partners to offer down payment assistance and shared equity programs that will help make your home more affordable.

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100% Financing

How does no down payment sound? See if you qualify and explore our 100% financing option with our Mortgage Loan Officers. This loan is open for anyone to apply.

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Home Ownership Made Easier (H.O.M.E.)

If you’re a first-time homebuyer, we have our own program to make the process a little less stressful. On top of competitive rates and flexible terms, we’ll give you 3% down payment assistance and discounted or lender-paid private mortgage insurance.

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Fixed-Rate Mortgage

Make the same monthly payment on your primary home with a fixed rate for the entire length of your loan, no matter what happens in the market.

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Adjustable-Rate Mortgage

An adjustable-rate mortgage (ARM) has a fixed interest rate to start, then adjusts periodically based on future rates. Our Mortgage Loan Officers can talk through the options for your primary residence and share their perspective on interest rates down the road.

Mobile Home

Manufactured Home Mortgage

Whether it’s on your own property or in a park, single- or double-wide, new or existing, we have a range of fixed-rate mortgage options for your mobile home.

Framing

Construction Loan

Build the home you’ve been dreaming of with a fixed-rate loan from six to 12 months. Once construction is finished, choose a program for your permanent home financing.

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VA Mortgage

If you or your spouse are a current or former member of the armed forces looking to buy your primary home, we offer a no down payment/equity loan program that typically has lower rates.

FAQs

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866.805.6267