We are proud to partner with the Federal Home Loan Bank of Boston (FHLB) to provide grants that assist with down payment and closing costs for first-time homebuyers. Check out the links below for more details. Income, purchase price, and other restrictions apply. Please ask your local NBM lender to see if you may be eligible!

Equity Builder Grant

The Equity Builder Program (EBP) provides down-payment, closing-cost, and rehabilitation assistance for an owner-occupied unit for households earning no more than 80% of the area median income. Through the EBP, grants are made to eligible first-time homebuyers when they close on mortgages with participating member financial institutions.

Housing Our Workforce Grant

Housing Our Workforce (HOW) provides down-payment and closing cost assistance to homebuyers earning more than 80% and up to 120% of the area median income. Through HOW, grants are made to eligible borrowers when they close on mortgages with participating member financial institutions. 


The Lift Up Homeownership program awards funding to members on a first-come, first-served basis to provide people of color with incomes up to 120% of the area median income with up to $50,000 in down-payment and closing-cost assistance toward the purchase of their first home.

If you have any questions about these programs or other mortgage options that may be available, contact one of our lenders today!

Meet our mortgage team

NBM community lenders go above and beyond

Our lenders live and work in Vermont. They are not only experts on real estate values, but also the communities they serve. They know about local education, health, employment, social services, and safe environments. They know they are not merely selling a home, they are selling a community and a lifestyle, and they are dedicated to providing you with the right loans and tools to live the life you want.

Meet Our Mortgage Team


A loan for your budget

Vermont Housing Finance Agency (VHFA) is a state-chartered agency that finances and promotes affordable housing opportunities for low- and moderate-income Vermonters through homeownership.


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Hometown Advantage Mortgage

Our most popular conventional mortgage

Conventional mortgage for primary home purchases that are sold on the secondary market but service by NBM for the life of the loan

Hometown Mortgage

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No Nonsense Mortgage

No Nonsense Mortgage keeps your loan local

A No Nonsense Mortgage is held in our in-house loan portfolio and serviced by us. Options include primary and second homes, investment properties, jumbo mortgages and construction loans.

No Nonsense Mortgage