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Vermont Mortgage Providers

Finding the right mortgage is an important step in the home buying process, and choosing a local lender can make a meaningful difference. Vermont-based mortgage professionals understand local market conditions, property types, appraisal considerations, and the unique financing needs that can come with everything from village homes and lakefront properties to rural acreage and new construction.

Why Choose a Local Vermont Mortgage Lender?

Whether you're purchasing your first home, relocating to Vermont, building a new home, or refinancing, working with a local lender can provide personalized guidance and responsive service throughout the process. The mortgage providers featured below serve home buyers throughout Northwest and Central Vermont and offer a variety of loan programs, including conventional, FHA, VA, USDA, jumbo, and construction financing. Contact a lender directly to discuss your goals and explore the financing options available to you.

EastRise Credit Union

EastRise Credit Union

As Vermont's top residential mortgage lender, EastRise Credit Union combines competitive financing options with experienced local mortgage professionals who understand the Vermont market. Whether you're a first-time buyer, building a new home, purchasing a vacation property, or refinancing, their team provides personalized guidance and a thorough pre-approval process to help you move forward with confidence.

Phone: (866) 805-6267

NMLS # 446767

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Spruce Mortgage

Spruce Mortgage

Based in Burlington, Spruce Mortgage is a locally owned mortgage broker dedicated to helping Vermonters and those relocating to Vermont secure the right financing for their needs. Their experienced team provides personalized guidance for primary residences, second homes, investment properties, and refinancing, with a focus on competitive rates, responsive service, and straightforward advice.

Phone: (802) 863-8816

CNMLS # 49592

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Union Bank logo vtnh

Union Bank

Headquartered in Vermont since 1891, Union Bank combines deep local roots with one of the state's leading residential mortgage programs. As Vermont's #1 community bank lender by volume, their experienced local loan officers offer personalized service, local decision-making, and a wide range of financing options, from first-time homebuyer and construction loans to seasonal properties, land purchases, and unique homes.

Phone: (802) 318-7395

NMLS # 402933

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Helpful Tools & Insights for Buyers

Looking for guidance as you prepare to buy a home? These resources can help you take the next step! Click on a resource to learn more about a topic or contact us for additional support.

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Greater Burlington

346 Shelburne Rd.,
Burlington, VT

Montpelier Area

2641 US-2,
East Montpelier, VT

Addison County

268 Main Street,
Vergennes, VT

Franklin County

120 N. Main Street,
St Albans City, VT

Mad River Valley

4366 Main Street, Suite 4,
Waitsfield, VT

Copyright 2026 PrimeMLS, Inc. All rights reserved. This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this site comes in part from the IDX Program of PrimeMLS. The information being provided is for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated 08/04/2026.

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