I want to buy a home

Vermont Housing Finance Agency (VHFA) provides safe and affordable financing options for Vermonters to realize their dream of owning a home. VHFA offers straightforward mortgage loan programs for low to moderate income Vermonters that are affordable, fixed rate, and have transparent fees.

Two important and helpful facts about VHFA to keep in mind:

  • VHFA Programs are available state-wide through our network of Participating Lenders. VHFA does not lend money directly to homebuyers the advantages of a VHFA loan are only available through the network of Participating Lenders.

  • VHFAs Participating Lenders accept and review applications, and determine eligibility for VHFAs programs. VHFA mortgage loan and Mortgage Credit Certificate (MCC) programs are only available from our network of Participating Lenders, while other lenders not listed on our website may offer MCCs.

GO TO: Learn how to apply for a VHFA loan