With Chittenden, you get knowledgeable staff to help you through each step of the mortgage process, competitive interest rates on every type of loan plus you can get started now with our online application process, the American Dream Online.
We offer a variety of options if you are purchasing a home: fixed-rate or variable rate mortgages, jumbo mortgages and construction loans. Our website has detailed information about our refinance program, affordable housing options and pre-qualification plans.
Chittenden can finance almost any kind of property:
- one-family home
- two-family to four-family home
- single-unit second home or vacation property
- condominium
- mobile home (double wide on land owned by the borrower)
- one-unit to four-unit investment property
- convertible construction loan
Mortgage interest rates can change daily so check our mortgage rate board on a regular basis. Use our payment calculator to determine your monthly mortgage payment or our mortgage qualifier to determine how much house you can afford.
Flexibility and Choice
When you are shopping for a mortgage, consider more than just the interest rate. An experienced,
capable lender like Chittenden can offer financing that fits both your short-term needs and your
future plans. The newest innovation in fixed rate mortgages is the 40-year fixed term which, by
amortizing the principal over a longer period, may reduce monthly payments. Interest-Only Mortgages
allow you to pay just the interest on the loan during the initial years of the mortgage but still
allows you to make principal payments without penalty. Purchasing land to build your dream home
later? Chittenden can finance the land now and a construction loan later when the building begins.
Mortgages can be as unique as the individual seeking the loan. Select a lender who can fit a mortgage
to your needs.
Local Underwriting Means Local Understanding
Local understanding of Vermont properties and communities is an important asset that Chittenden
brings to homebuyers. We have offices throughout the state and many have a Mortgage Officer on staff.
We have developed a local rapport with the real estate agents, the builders, appraisers, and town
government in all those communities. Chittenden Bank is fully versed in the Vermont real estate
market. We can shape the financing to match the property because we finance most of our own loans.
We can also offer special benefits that only a bank can deliver like free personal checking and free safe deposit box for one year. Chittenden is a local Vermont lender, and we have built our banking services to meet the needs of our customers for the long-term.
Check some of the current Mortgage Rates online or Request a Mortgage Rate based on your property. For more information, stop by your nearest Chittenden Office, or call 1-800-445-4479.
