Welcome to Homeownership

Looking for an Affordable Mortgage?

VHFA provides affordable mortgage loan programs for eligible VT homebuyers. All VHFA programs are offered exclusively through local VHFA participating lenders. 

Contact a VHFA Participating Lender.

The first step is to contact a VHFA participating lender. For contact information, please visit our participating lender webpage and select a local VHFA participating bank, credit union or mortgage company.

Attend the VHFA Informational Webinar!   

Join us for a FREE live webinar learn about the homebuying process, how VHFA can help, and where to get started. A mortgage originator from a local VHFA Participating Lender will be on the webinar to help explain the process in detail and answer your questions. Register below to join:

Want to learn about other Homebuyer Assistance Programs?

Join us for a FREE live webinar to learn about special homebuyer assistance programs in Vermont such as Homebuyer Education and Counseling, Shared-Equity, EquityBuilder, Habitat for Humanity and others. HUD Certified Housing Counselors will be on the webinar to present information and answer your questions. Register below to join:

Curious About How VHFA Works? 


The Vermont COVID Emergency Mortgage Assistance Program is no longer accepting applications. For emergency rental assistance, please contact Vermont State Housing Authority.