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Barnard, VT

The Best Mortgage Lenders in Barnard, VT

Compare verified mortgage lenders serving Barnard, Vermont. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.7
Avg Rating
255+
Reviews
14
Loan Types

Available Loan Programs in Barnard

Fixed-rate mortgages
Adjustable-rate mortgages
FHA loans
VA loans
USDA loans
Jumbo loans
Construction loans
Conventional mortgages
USDA rural loans
First-time homebuyer programs
Refinancing
Construction-to-permanent loans
Lot loans
Home equity loans

Featured Mortgage Lenders

1

Mascoma Bank Mortgage Department

Mascoma Bank

★★★★☆
4.8/5

Mascoma Bank is a highly respected regional community bank with deep roots in Vermont and strong presence throughout the Upper Valley region serving Barnard. They consistently receive exceptional ratings for personalized service, local decision-making, and competitive mortgage products. As a community-focused institution, they specialize in understanding Vermont's unique property market, including rural properties and land loans. Their mortgage team provides dedicated local support throughout the entire process, with loan officers who have extensive experience with Vermont properties and regulations.

Experience:140 years
Reviews:85 customer reviews
67 N Main St, White River Junction, VT 05001

Loan Types:

Fixed-rate mortgagesAdjustable-rate mortgagesFHA loansVA loansUSDA loansJumbo loansConstruction loans
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2

Northfield Savings Bank Mortgage Services

Northfield Savings Bank

★★★★☆
4.7/5

Northfield Savings Bank is one of Vermont's oldest and most trusted community banks with a strong reputation for mortgage lending throughout central Vermont, including service to Barnard. They are particularly noted for their expertise with USDA rural development loans, which are highly relevant for Barnard properties. Customers consistently praise their responsive service, competitive rates, and deep understanding of Vermont's real estate landscape. Their mortgage specialists provide personalized guidance and local underwriting, ensuring smooth transactions for both purchase and refinance scenarios.

Experience:150 years
Reviews:92 customer reviews
65 N Main St, Barre, VT 05641

Loan Types:

Conventional mortgagesFHA loansVA loansUSDA rural loansFirst-time homebuyer programsRefinancingConstruction-to-permanent loans
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3

Union Bank Mortgage Center

Union Bank

★★★★☆
4.6/5

Union Bank has been serving Vermont communities for over a century and maintains an excellent reputation for mortgage lending throughout the state, including the Barnard area. They are particularly strong in construction and land financing, which is valuable for Vermont's rural properties. The bank receives high marks for their knowledgeable loan officers, competitive rates, and commitment to local communities. Their mortgage team understands the nuances of Vermont property transactions and provides comprehensive support from application through closing, with many customers noting their exceptional communication and reliability.

Experience:130 years
Reviews:78 customer reviews
100 Main St, Morrisville, VT 05661

Loan Types:

Fixed-rate mortgagesAdjustable-rate mortgagesFHA loansVA loansConstruction loansLot loansHome equity loans
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Frequently Asked Questions

Common questions about mortgage lending in Barnard, VT

Are there any special mortgage considerations for buying a home in Barnard, VT, given its rural nature?

Yes, due to Barnard's rural classification in Windsor County, many properties may be eligible for USDA Rural Development loans, which offer 100% financing with no down payment. It's also important to ensure your lender is experienced with properties that may have septic systems, wells, and larger land parcels, as these are common and require specific appraisals.

What local or state programs are available to help first-time homebuyers in Barnard?

Vermont Housing Finance Agency (VHFA) offers several programs, including MOVE and ASSIST, which provide competitive rates and down payment/closing cost assistance. These programs are available statewide, including in Barnard, and have income and purchase price limits that many local buyers can qualify for, making homeownership more accessible.

How do property taxes in Barnard, VT, impact my mortgage and overall affordability?

Barnard has a municipal property tax rate, which is combined with the Windsor County and state education tax rates. While Vermont property taxes are generally considered high, Barnard's current municipal rate is relatively moderate. Your lender will calculate these taxes into your monthly escrow payment, and it's a key factor in determining your total housing payment and debt-to-income ratio.

Are mortgage rates typically different in Barnard compared to larger cities in Vermont?

Mortgage rates are generally set by national markets and your personal credit profile, not your specific town. However, working with a local Vermont lender or credit union familiar with the Barnard market can sometimes provide access to special portfolio loan products or more flexible underwriting for unique properties, which can indirectly affect your loan's overall cost and terms.

What should I know about getting a mortgage for a seasonal or second home in Barnard?

Barnard is a popular area for second homes near Silver Lake and the broader Woodstock region. Financing for second homes typically requires a higher down payment (often 10-20%) and slightly higher interest rates than primary residences. Lenders will also scrutinize your debt-to-income ratio more closely, as you'll be responsible for maintaining two properties.

Nearby Cities

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Why Choose a Mortgage Lender in Barnard?

Local Market Knowledge

Lenders who understand Barnard's housing market can offer better guidance and competitive rates.

Multiple Loan Options

Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.

Proven Track Record

Work with lenders who have years of experience and hundreds of satisfied customers in Vermont.

Ready to Find Your Perfect Mortgage Lender?

Connect with top-rated mortgage professionals in Barnard and get competitive rates on your home loan.