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

    Apply for a mortgage

    It’s best to get prequalified 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.

  • Number 3

    Track your status

    Easily upload and access documents, and keep track of your loan status, in one place in our easy-to-use Loan Status portal.

Let us recommend a mortgage that’s right for you

Select all that apply or scroll down to view all mortgage options.

Need help with your downpayment?

Housing Our Workforce (HOW), a program offered by the Federal Home Loan Bank of Boston, provides eligible members with a two-to-one matching grant, up to $20,000, to help cover the down payment on their home.

Qualifying homebuyers are:

  • VSECU members in good standing
  • Buying a home in Vermont or New Hampshire
  • Earning between 80% and 120% of the area median income
  • Committed to keeping the loan for five years
  • Able to pay a minimum of $500 toward the downpayment
  • Willing to attend a homebuyer education program

HOW grants are available for down payments only and can only be used to match payments made from your personal funds. You do not need to be a first-time homebuyer.

Ask about this program when you apply for a mortgage.

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