Buy a Home

A home and a mortgage to fit your lifestyle.

Start your journey to home ownership

Buying a home may seem like a daunting process, but we’ll be by your side each step of the way. Whether you need educational resources or one-on-one support, we are here to help you find and purchase your next home.

The Homebuying Process

  • Number 1

    Determine how much you can afford

    Use our handy home mortgage calculator to get a rough estimate of the price range you should be looking in.

  • Number 2

    See our rates

    Check out our current rates and see which option is right for you. Need help? Talk to one of our mortgage originators!

  • Number 3

    Apply for a mortgage

    It’s best to get preapproved when you’re shopping for your home so you know how much you can afford. Once you’re ready to buy, you can finalize the mortgage application or begin one.

Find a mortgage that’s right for you

  • House with Fence - Multi Column

    Primary Residence

    | Owner/Borrower |

    A primary residence is the legal residence of the owner/borrower and is intended to be used as a primary residence by the borrower within 60 days of closing.

  • VA Home Loans - Multi Column

    VA Loans

    | Eligible Veterans |

    A no down payment/equity loan for eligible Veterans purchasing or refinancing a Primary Residence.

  • Vermont House in Fall - Guided Selling

    Jumbo Mortgages

    | Fixed & Adjustable Rates |

    Fixed rates for 10- or 30-year terms and Adjustable Rates for 30-year terms for a loan amount above $726,200. Minimum down payment of 5-10% depending on loan size. Servicing of loan will stay with NEFCU after closing.

  • Land Loans Guided Selling

    Land Loans

    | Adjustable Rates |

    Adjustable rate with 20-year amortization and 10-year balloon.

    Minimum 20-35% down payment depending on use of land.

  • Building a New House - Guided Selling


    | Fixed Rates |

    Fixed rate with 6- to 12-month term. Permanent financing available when construction is complete.

    Minimum 10% down payment.

  • Apartments in Montpelier - Multi Column

    Investment or Non-Owner Occupied

    | Fixed & Adjustable Rates |

    Fixed and adjustable rate options with 10- to 30-year terms for one- to four-unit rental properties. Minimum 20-30% down payment.

  • Homes and Camps at Lake Elmore - Guided Selling

    Second/Seasonal Properties

    | Single-Family Residential |

    Seasonal properties are single-family residential properties occupied by the owner and are not the legal residence of the owner/borrower.

  • manufactured home multi column

    Mobile Home Mortgage

    | Fixed Rates |

    Competitive, fixed rates for 15- or 20-year terms for new or used mobile homes, whether in a park or on your own property. Minimum $10,000 loan amount.

  • House with Solar Panels on Roof - Guided Selling

    Green Mortgage

    | Off-Grid Mortgage |

    Long-term cost savings of renewable and alternative energy sources over the life of your mortgage loan.

Mortgage Home Buying House Keys - Full Width Promo

See Our Rates and Terms

No matter what kind of home you’re buying, we have a variety of financing options to meet your financial needs. Explore our different rates and terms to see how we can help you finance your dream home.

View all rates


Apply for a Mortgage

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