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Leading Bank for Mortgage Loans in Vermont

Mortgage Loans

More Vermonters choose Union Bank for their mortgage loans than any other bank. We have been helping customers in Vermont and New Hampshire buy their own homes since 1891. We were also recognized by the US Department of Agriculture (USDA) as its Rural Development (RD) Home Loan Lender of the Year for Vermont for four consecutive years, 2013-2016.

Learn more about the home mortgage loan options we offer below, or view current mortgage rates. We strive to bring you the best mortgage rates in VT and NH. Our friendly lending team is available at your nearest branch or loan center location to answer your questions and help you figure out what type of mortgage would best meet your needs.

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Fixed-Rate Mortgages

Fixed-Rate mortgages provide a predictable, set interest rate and payment that stays constant over the life of the loan. Our fixed-rate mortgages can be used to purchase or refinance your primary or vacation home, or for one-to-four-family investment properties.

A fixed-rate loan makes it easy to fit your mortgage payment into your monthly budget since the amount never changes. You can also lock in historically low interest rates before they rise again.

Check current rates and apply online for a fixed-rate mortgage, or download an application below and come to your nearest branch to apply.

Adjustable-Rate Mortgages (ARMs)

ARMs generally have an initial, fixed-rate period. At the end of that time, your interest rate increases or decreases, depending on the specific terms of your mortgage. ARMs can be used to purchase or refinance your primary or vacation home, or for one-to-four-family investment properties.

ARM loans may be desirable for homebuyers who only plan to stay in their “starter house” for a few years. They can also be refinanced into a fixed-rate or new ARM.

Check current rates and apply online for an ARM mortgage, or download an application and come to your nearest branch to apply.

First-Time Home Buyer & Affordable Housing Programs

FHA loans and affordable housing programs are mortgages with low and no down-payment options to help first-time home buyers and low-to-moderate-income borrowers purchase a home. Call us or stop by your nearest branch in northern Vermont or northern New Hampshire to find out if you’re eligible for a first-time home buyer or affordable housing program.


Union Bank’s partnerships with FHA, VA, USDA Rural Development (RD), Vermont Housing Finance Agency (VHFA) and New Hampshire Housing Finance Agency (NHHFA) allow us to finance and promote affordable, safe and decent housing opportunities for qualifying borrowers with limited down payment resources and/or low-and-moderate-incomes.

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