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.

Why choose a VHFA mortgage with NBM?

Up to $15,000 down payment and closing assistance

Our lenders can help you navigate the grant programs available for homeownership.

A strong partnership

NBM is a proud partner with VHFA in supporting homeownership for Vermonters.

Experienced lenders

Our lenders will walk you through every step of the process and answer any questions you might have!

Learn more about how VHFA works

As a VHFH participating lender we can help you with

  • The mortgage application process
  • About how much you can afford to borrow
  • Estimated down payment, closing costs and monthly payment
  • Eligibility for VHFA programs including down payment and closing cost assistance.

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

Ready to get started?

Apply below, visit at one of our branch locations, or call 1-877-508-8455 for more information.

Apply now

To complete your NBM loan application, we will need the following information.

  • Social Security number and date of birth for all individuals on the account
  • Phone number and email address
  • Physical address and mailing address (if different)
  • Debit card or account for funding the initial deposit for your new account
  • License or passport information for all individuals on the account

Mortgages to fit your needs

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

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

Purchase & Renovate Mortgage

Buy and renovate all at once!

If you are purchasing a home that requires rehabilitation, this program allows you to do a small-scale purchase and renovation loan in one.

TLC Mortgage

Convenient ways to pay your NBM loan

Online Banking
Within our Online Banking, you can transfer money from your deposit account to pay your loan online. Or, you can set up recurring payments. Current Online Banking users: Log in here to pay your loan. Not yet enrolled? Enroll now.

Recurring automated funds transfer
With this service, you can set up a monthly payment of your loan that will be automatically withdrawn from your deposit account on a date you choose. Visit any NBM location, call 877-508-8455 for assistance or submit this secure form: Recurring Loan Payment Transfer to set up recurring payments.

Recurring automated funds transfer from another institution
With this service, you can set up a monthly payment of your loan that will be automatically withdrawn from your deposit account at another institution on a date you choose. Visit any NBM location, call 877-508-8455 for assistance or submit this secure form: Recurring Loan Payment Non-NBM Account Transfer to set up recurring fund transfers.

One-time payment for non-deposit account customer
Make a one-time payment withdrawn from your deposit account at another financial institution by submitting this secure form: One Time Payment Non-NBM Account Transfer.

In person
You can make a payment by cash or check at any of our branch locations with a teller or at an ATM.

By mail
You can mail us a check to pay your loan. Just write your loan account number on the memo line and then mail it to:

National Bank of Middlebury
ATTN: Loan Department
PO Box 189
Middlebury, VT 05753-0189