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Affordable Housing Loan Programs

VHFA — Vermont Housing Finance Agency Mortgages

A VHFA mortgage is designed for members with low to moderate income. The mortgage program is available for purchases of 1-2 family unit homes, condos, and mobile or modular homes as your primary residence in Vermont.

VHFA is a not-for-profit agency created in 1974 by the Vermont legislature to help low and moderate income Vermonters obtain low cost, affordable mortgages. The VSECU is one of many participating lenders with VHFA.

Interest rates are typically lower than conventional financing options and are the same regardless which lender you choose to obtain your VHFA mortgage.

This program could be right for you if:

• your income does not exceed a certain limit based on the county in which you reside
• the purchase price is within VHFA purchase price limits by county

If you have questions about the VHFA program contact us directly or look for our mortgage originators on the VHFA website.