Get more bargaining leverage!
When bidding on a home, a pre-approval gives you a distinct advantage. The seller will give your offer greater consideration because you already have your financing approved and you’ll be able to close sooner. A pre-approval also gives you the peace of mind of knowing what you can truly afford, so you won’t waste time looking at homes outside your price range, and you’ll know exactly what your monthly payments will be.

Next, you’ll need to fax, email, mail or drop off the documentation needed to process the loan. Your loan will be approved subject to the appraisal, title inspection, and an executed purchase and sale contract. Then, you’ll receive a Trusted Pre-Approval certificate and a good faith estimate detailing settlement charges and monthly payments. These documents will be mailed or emailed to you, and you can begin shopping for your new home.

At Vermont Mortgage Company, we can match you with a Realtor in your area, at no cost to you. Our network of experienced, reliable agents will put your needs first while working seamlessly with us (without compromising your confidentiality) to ensure hassle-free home buying.

For the referral of an experienced realtor, please contact us today.

We offer an exclusive mortgage program that allows you to buy a home with only a 3% down payment. In many cases, that down payment can be gifted from a family member. Add in up to 6% seller concessions and you could come to the closing table with no money out of pocket. Contact us to ask us how.

First, forward a copy of your purchase contract to us. Then, lock in your interest rate on the mortgage product of your choice. If Vermont Mortgage Company has not already pre-approved you, please complete our Online Application to get started.

Second, we will send the loan documents to you for your review and signatures, or we can schedule an appointment for you to come to our office. We will order an appraisal of your new property and arrange for you to close your loan in an attorney or title company’s office — convenient to you and the seller.

We’ll help you find the right mortgage for your needs and budget. 

The calculator at the top right of this page can give you a rough idea of what to expect for a monthly payment.  Fill in the fields and hit Calculate to get an estimated monthly payment.

We specialize in helping you make an informed decision about refinancing.

Fill out the form below and we’ll help you determine the best loan program for your needs.