
We make financing simple and convenient
With our personal service, flexible options, and shared commitment to the community, our number one goal is to empower you to get into the home you want, with an affordable monthly payment.
Benefits
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Local servicing
Because we service mortgages locally, you’ll never have to wait endlessly on the phone for an agent who doesn’t know your name. At VSECU, you’ll enjoy personalized support from someone who knows you and understands your needs.
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Flexible terms
Choose between fixed rate and adjustable rate mortgages and select a term that works for your budget. Our knowledgeable mortgage originators will work with you to make sure you have the best mortgage option for your needs.
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Online application
You can apply online or even on your mobile device using our convenient, streamlined application process. Plus, you can easily upload and access documents, and keep track of your loan status, in one place in our easy-to-use Loan Status portal.
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Multiple options
Conventional mortgages are available for homes in Vermont & New Hampshire, including primary, seasonal, secondary, mobile home, construction, multi-unit & more.
Compare options
Mortgages come in two basic varieties—fixed and adjustable rate. They both work well in certain situations. Determining which is right for you will depend on your financial needs.
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Best for members who:
Best for members who:
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Down payment
Down payment
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Terms*
Terms*
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PMI available?
PMI available?
Fixed Rate Mortgage
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Best for members who:
Want their monthly payments and interest rate to remain the same throughout the life of the loan. If you're planning on staying in your home for longer than a few years, this might be a good option for you.
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Down payment
You can put as little as 3-5% down.
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Terms*
Choose between 10, 15, 20, or 30 years.
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PMI available?
Private mortgage insurance is available for anything over 80% LTV.
Adjustable Rate Mortgage
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Best for members who:
Are looking for lower initial monthly payments. If you need to free up money to pay for other immediate expenses for your property and/or plan on being in your home for only a few years, this might be a good option for you.
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Down payment
You can put as little as 3-5% down.
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Terms*
Fixed rate periods of 3, 5, or 7 years, after which your interest rate can change annually.
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PMI available?
Private mortgage insurance is available on the 5- and 7-year ARMs.
Estimate your monthly payment
Enter the amount you wish to borrow to purchase or refinance your home, then calculate your estimated monthly payment.
Calculated payments shown are for estimation purposes only. Actual loan payment amount and interest rate will be disclosed at loan closing and may differ slightly.
The homebuying process
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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.
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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.
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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.
Our Mortgage Origination Team is eager to help
We look forward to answering your questions and helping you find flexible and affordable home financing options.

Homebuying resources
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Eleven Steps to Buying a Home
If you’re buying a home, it’s time to get organized! A home is one of the most expensive purchases you …
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House Hunting Basics: How to Find a Home that is Easy to Finance
Getting pre-qualified for a mortgage is a great first step in buying a home, but it doesn’t ensure you will …
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Psychology: What You Need to Know When Buying a House
I am a passionate person, so I often have to rein in my emotions when making important decisions like buying …
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Apply for a Conventional Mortgage
Disclosures
- – Payment examples do not include amounts for taxes and insurance premiums and actual payment obligation may be greater than illustrated. APR = annual percentage rate.
- – APR = annual percentage rate. Fixed rate mortgage payment example: A fixed rate loan of $180,000 for 30 years at a 3.750% interest and an APR of 3.800% is a $834.00 monthly payment. Adjustable rate mortgage payment example: The adjustable rate mortgage is a variable rate loan; interest rates and payments may increase after the original fixed-rate period. Your interest rates and payments may increase after the original fixed-rate period. A loan for $180,000 at a 2.500% initial interest rate and APR of 3.454%, subject to increase, will have the following monthly payment: 12 payments of $711.22 at an interest rate of 2.50%, 347 payments of $711.22 at an interest rate of 3.50% and 1 payment of $805.67 at an interest rate of 3.50% based on the current index plus a margin.