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I want to buy a home

Why look to VHFA for your mortgage?  VHFA is a not-for-profit organization that helps low-to-moderate income Vermonters obtain affordable mortgages.  VHFA offers multiple mortgage programs with different requirements.  For example, some options are limited to first-time homebuyers, while others are not. 

Some benefits VHFA offers are:

  • Low interest rates
  • Low down payment options
  • 30 year, fixed rate mortgages
  • Lower monthly mortgage insurance rates
  • Down payment and closing cost assistance (see Mortgage Loan Programs/ASSIST)
  • Savings of up to $825 on the Property Transfer Tax due to the State of Vermont on home purchases
  • Increased tax benefit

To find out which VHFA program best suits your situation contact a Participating Lender. VHFA mortgage loans are only available from a Participating Lender who can pre-qualify you and accept your loan application.  VHFA Participating Lenders are banks, credit unions and mortgage companies located throughout Vermont.

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