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Loan Programs
We offer a variety of loans to meet you and your family’s individual needs. We specialize in home purchases, limited cash out or cash out refinances, construction, renovation and home equity lending. See the links to learn more about our specific products or call a member of Community Lending team today.
Hometown Advantage Mortgage
Hometown Advantage loans are designed to be sold to third parties. The benefit of this type of loan is that it is serviced by the NBM staff you know and trust throughout the life of the loan.
Learn more »Vermont Housing Finance Agency
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.
Learn more »No Nonsense Mortgage
No Nonsense Mortgages are 100% local. Once you purchase your home, the loan is held in the NBM in-house loan portfolio and serviced by your trusted NBM team.
Learn more »Construction Mortgage
National Bank of Middlebury specializes in construction lending with various loan options for small and large home builds. We work with you and your builder from planning your project through building your dream home. We care about our communities and our collective future and are committed to increasing housing stock through home building and renovation. We are committed to renewable energy initiatives, and to a future built on sound energy principals.
Learn more »Home Equity Loan
A home equity loan is a term loan secured by a mortgage on your residence. The interest rate is fixed for the term of the loan with monthly principal and interest payments. It provides access to funds to use for home improvement, education, large purchases and debt consolidation.
Learn more »Home Equity Line of Credit
A Home Equity Line of Credit (HELOC) is a revolving line of credit secured by a mortgage on your residence. It provides access to funds to use for home improvement, education large purchases and debt consolidation.
Learn more »Purchase & Renovate Mortgage
If you are purchasing a home that requires rehabilitation, this program is a small-scale purchase and renovation in one. Or, if you own a home and have a smaller renovation in mind, this program just might fit the bill.
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