VGreen Mortgages

VGreen has great options for those looking to live a more green and economical lifestyle. The Energy Improvement Mortgage is a great way to make your new home less expensive to heat or light, and our Off Grid Mortgage is geared towards those who are ready to “unplug” from the traditional power infrastructure and live off the grid.

See Applications


Energy Improvement Mortgage

The Energy Improvement Mortgage was designed to help finance larger projects that increase the energy efficiency of your primary residence with the help of an energy audit. With the option to extend your energy efficient mortgage beyond traditional mortgage terms, you can keep your monthly payments the same, or close to the same as they are today, and still finance the energy improvements that help lower your monthly utility bills.


BENEFITS

EXTENDED TERMS

Extended terms keep payments low, to offset the cost of your improvements.

ENERGY AUDIT REQUIRED

An energy audit is required, to prevent you from paying for unnecessary upgrades.

FIXED RATES AVAILABLE

Keep your payments predictable with fixed rate financing options.

TO 80% LOAN-TO-VALUE

The maximum loan amount is 80% of the appraisal value of the home.

SELL PRIOR TO PAYOFF

This is a great option for people who plan to sell their home before paying it off.

LARGE PROJECTS

Great for large projects that require more time to pay back.

RATES

Fixed Mortgage Rate Tools
Current Rates Click here for all current fixed rates and terms.
Rate Watch Sign up for rate update e-mail notifications.



Off Grid Mortgages

Good news for those that have decided to “unplug” and live off the grid. VSECU has removed the hassles commonly associated with financing an off grid home. The Off Grid Mortgage was designed to help finance a primary residence that is not powered by a traditional power source. Available as both a purchase and refinance mortgage option, the same standard procedures apply as getting a traditional mortgage product.


BENEFITS

FLEXIBLE RATES & TERMS

This mortgage is designed to fit your lifestyle, not the other way around.

FINANCE UP TO 70%

This option lets you finance up to 70% of the appraisal value of your home.

GRID ESTIMATE

A professional is required to estimate costs of running traditional power.

GREAT FOR RENEWABLES

Perfect if you want to reduce your use of fossil fuels and “go green.”

ALTERNATIVE RESOURCES

This mortgage is a great way to fund your alternative energy resource project.

REMOTE SETTINGS

Designed with remote areas in mind, we make it easy to live where you want.

RATES

Fixed Mortgage Rate Tools
Current Rates Click here for all current fixed rates and terms.
Rate Watch Sign up for rate update e-mail notifications.




Apply: The alternative energy source you’ve selected must be approved by VSECU. When applying for the Off Grid Mortgage, an estimate of the costs to connect to the grid will be required. You will not be required to have that work completed as part of the loan processes. This unique lifestyle deserves a unique loan. Contact a Mortgage Originator today if you have any questions about financing your off grid home.

Please Note: The extended terms offered are for the sole purpose of keeping your payments as close to the same as you are paying today. You may not use the extended terms beyond the energy audit financing needed, for the purpose of lowering your monthly mortgage payment.