Capital Home Mortgage Vermont

Vermont Home Loans

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Vermont Mortgage Lender

Home Loans in Vermont

Welcome to Capital Home Mortgage Vermont, where we strive to provide Vermont Home Loans to Vermont homebuyers and homeowners at competitive rates and fees while providing outstanding customer service.  First, we’d like to thank you for the opportunity to earn your business.  We understand that purchasing a home is the most important decision of most people’s life, which is why Capital Home Mortgage Vermont offers dedicated points of contact throughout the mortgage process.  This assures a stress-free and pleasant experience, with an on-time close.  After all, buying a home should be exciting rather than stressful.

Capital Home Mortgage Vermont is a Vermont Mortgage Lender, manages the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick, reasonable approvals and timely closings.  We have complete control over everything from the application to the funding process.

Capital Home Mortgage Vermont is a full-service Vermont Mortgage Lender that offers a wide range of mortgage products as well as competitive Vermont Mortgage Rates.  Whether you are a first-time purchaser seeking a Vermont FHA Home Loan, looking for a rural property and needing a Vermont USDA Home Loan,  an active or retired veteran in need of a Vermont VA Home Loan, or a seasoned buyer in need of a Vermont Conventional Home Loan, we are here to assist.

Call today (802) 252-6244 to talk to one of our Vermont Loan Officers.

Vermont, is is located in the New England region of the United States. Vermont has the major cities of Burlington, South Burlington, Rutland, Essex Junction and Montpelier which serves at the capital.  Vermont is one of the least populous states in the U.S., known for its small-town atmosphere and close-knit communities.

Among Vermont’s gorgeous scenery are the Green Mountains, which run the length of the state from north to south.  Forests, lakes, and rivers are the state’s claim to fame. One portion of the western boundary is the enormous freshwater lake known as Lake Champlain.

The agricultural, tourist, industrial, and service industries are vital to Vermont’s varied economy.  The state’s dairy farms, maple syrup, and outdoor activities are its most famous exports.  Middlebury College and the University of Vermont are two of Vermont’s many educational institutions.

The state of Vermont relies heavily on tourism, because to its picturesque landscapes, abundance of outdoor activities, and quaint towns.  Visitors come from all over the nation to see the changing leaves in the fall.  The beautiful colors of the season are a big lure.

Sustainability and environmental protection are two of Vermont’s top priorities. Concerning renewable energy and ecological preservation, it has taken the lead.

Many craft breweries and microbreweries in Vermont produce a wide range of beers, contributing to the state’s well-known craft beer culture.  Locally grown cuisine and farmer’s markets are also well-known in the state.

The real estate market in Vermont has a history of moving at a more leisurely pace than in other states. 
Properties in rural and suburban regions typically consist of a variety of dwelling types, including single-family homes, farms, and vacation homes.
Location is a factor that might affect home costs. Urban or desirable areas may have greater prices than rural areas. Although it varies by county and city, 
Vermont’s median home price is generally lower than the national average.  Many locals and visitors from out of state look for properties with views of the state’s beautiful scenery.  
Many people choose to spend their vacations in Vermont, particularly in the regions surrounding lakes, ski areas, and hiking paths.  Vacation home costs and availability are sensitive to regional demand.

Thank you again for your interest in Capital Home Mortgage Vermont and we look forward to providing your new mortgage.

Vermont Home Loans

Vermont Conventional Home Loans

A Vermont Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties.  Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

Vermont FHA Home Loans

Vermont FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.   However, FHA home loans can be used by anyone.

FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for a Vermont FHA home loan is consistent employment history and documented income.

Vermont VA Home Loans

Vermont VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Vermont.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

Vermont USDA Home Loans

Vermont USDA Home Mortgage is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers . USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

Vermont Jumbo Home Loans

A Vermont Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

Vermont Non QM Home Loans

Vermont Non-Qualified-Mortgage-Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

Vermont One Time Close construction Home Loans

One Time Close Construction Mortgage Company
A Vermont One-Time Close Construction Mortgage is distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  An OTC loan also can. be combined with other standard mortgage products resulting in much smaller down payments.
One Time Close Construction Mortgage Company
Why Vermont HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

Vermont Mortgage Programs

Vermont Purchase loans

Looking to Purchase a Vermont Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

Vermont Renovation Home Loans

Looking to Rehab a Vermont Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Vermont FHA Home loans

Great 1st Time Vermont Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.
  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Vermont va Home Loans

100% Financing for Vermont Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

Vermont Conventional Home loans

Flexibility for Vermont Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
  • Primary, 2nd Home, Investment Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Vermont Jumbo Home Loans

Vermont Non-Confirming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Vermont USDA Home loans

100% Vermont Rural Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

Vermont Native american Home Loans

Not Available in Vermont

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.
  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

Vermont Manufactured Home loans

Great Vermont Alternative Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Vermont Reverse Mortgage Loans

Your Home Vermont at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

Vermont Non QM Home loans

Making Vermont Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Vermont One Time Close Home Loans

Build Your Vermont Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.
  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

Vermont Refinance Mortgage loans

Vermont Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Vermont Cashout Mortgage Loans

Vermont Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

Vermont Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Vermont Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Susan Adams

Sr Loan Officer
NMLS #105389

Jordan Mowrey

SR Loan Officer
NMLS 210325

Vermont Mortgage Company Reviews

Vermont Cities

Burlington Home Loans

Essex Home Loans

South Burlington Home Loans

State Specific Mortgage Information

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