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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- and moderate-income Vermonters obtain affordable mortgages. VHFA loan programs are available exclusively through Participating Lenders, and offer unique benefits. Why ask your lender about a VHFA mortgage?

  • Low interest rates
  • 30-year, fixed-rate mortgage
  • Down payment and closing cost assistance of up to $5,000
  • Mortgage Credit Certificates that give you an annual tax benefit not available anywhere else in Vermont
  • Save up to $825 on the Property Transfer Tax that is due to the State of Vermont for every home purchase
  • The rate you see is the rate you get! You will never pay a higher interest rate or closing costs due to credit history, the amount of money you are putting down or the type of property you are buying
  • Products that finance up to 100% of the purchase of your home (most of Chittenden County not eligible for 100% financing)
  • Lower monthly mortgage insurance payments

VHFA offers multiple mortgage programs with different compliance requirements. For example, some options are limited to first-time homebuyers, while others are not. To find out which VHFA programs and products best suit your situation, talk with a Participating Lender.  

  >> Learn about VHFA loan programs