I have a VHFA loan

Information for people who already have a VHFA mortgage loan

VHFA Privacy Notice
Our Privacy Notice describes VHFA’s practices for handling your personal information and the steps we take to protect it. For your convenience, you can view and print a copy of our Privacy Notice here.

My loan was transferred from Graystone Solutions to Dovenmuehle Mortgage.

To better serve our customers, VHFA has contracted with a service provider (Dovemnuehle Mortgage) to manage your account. As of November 1, 2013, your loan information was transferred from Graystone Solutions to Dovenmuehle Mortgage Inc.

With this service provider, you can pay your Vermont Housing Finance Agency mortgage online, if serviced by Dovenmuehle Mortgage, and access your account details 24 hours a day, seven days a week using the link below.

If you have any difficulty accessing your account online or have other questions, contact the customer service department toll-free at 1-855-582-0226. The first time you log onto the site, you must create a login. Click the “Register User ID/Password” link. The system will provide you with a step by step process for proper set up.

Pay your mortgage bill or access information about your account online.

To mail payments, send to:
Vermont Housing Finance Agency
PO Box 660592
Dallas, TX 75266-0592

For customer service inquiries, correspondence and tax bills:
Vermont Housing Finance Agency
1 Corporate Drive, Suite 360
Lake Zurich, IL 60047-8945

To reach VHFA’s Burlington office:
Vermont Housing Finance Agency
1-800-339-5866 toll-free
Customer Hours: 8:00am - 4:00pm


Who do I contact if I have questions or cannot make my mortgage payment?

Contact the lending institution where you make your payment. If you send your payments to VHFA’s office in Burlington, call 1-800-339-5866.


Can I refinance with VHFA?

No, VHFA only offers mortgages for home purchases. To refinance your current mortgage, contact your lender.


I'm paying off my mortgage with VHFA, through sale or refinance. Am I subject to recapture tax?

As explained when you obtained your financing with VHFA, some borrowers may be subject to the Federal Recapture Tax. However, VHFA may reimburse you for any validated Recapture Tax liability actually paid if you closed your mortgage loan with VHFA between February 1, 2006 and December 13, 2013. Borrowers with mortgage loans closed prior to and after these dates are not eligible for reimbursement. Borrowers that received a Mortgage Credit Certificate with or without VHFA financing are also NOT eligible for reimbursement from VHFA for any Recapture Tax due and payable to the IRS.

To request reimbursement, complete our Recapture Tax Reimbursement Form (61 KB; PDF) and submit to VHFA within the time requirement. To determine if you are liable for Recapture Tax, please read the information below:

Please review the documents you received at the closing of your VHFA mortgage to locate the Notice of Mortgagor of Maximum Recapture Tax on Sale of Home. This form explains the conditions you must meet to be subject to the Federal Recapture Tax. If you're unable to locate the notice, contact your lender or contact VHFA's Homeownership Department. If you have misplaced your original Notice, please contact VHFA’s Homeownership department for a copy.

If you sell or otherwise dispose of your property within the first nine years, it's your responsibility to complete and file IRS Form #8828 with your tax return even if you determine no tax is owed. If you refinanced within the first nine years that has no effect on whether or not you owe recapture. You are still subject to recapture if you dispose of the property within the first nine years.

VHFA does not determine if a recapture tax is owed, calculate amounts or provide tax advice or information. For additional information, contact the IRS or your tax preparer.