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North Clarendon, VT

The Best Mortgage Lenders in North Clarendon, VT

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

3
Top Lenders
4.7
Avg Rating
564+
Reviews
13
Loan Types

Available Loan Programs in North Clarendon

Fixed-rate mortgages
Adjustable-rate mortgages
FHA loans
VA loans
USDA loans
Jumbo loans
Construction loans
Conventional mortgages
Construction-to-permanent loans
Home equity loans
Conventional loans
Refinance loans
Investment property loans

Featured Mortgage Lenders

1

Vermont Federal Credit Union

Vermont Federal Credit Union

★★★★☆
4.8/5

Vermont Federal Credit Union is one of Vermont's most trusted mortgage lenders with deep roots in the community. They consistently receive exceptional ratings for their personalized service, competitive rates, and local underwriting expertise. As a member-owned financial cooperative, they prioritize member satisfaction over profits, offering comprehensive mortgage solutions with local decision-making. Their mortgage specialists have extensive knowledge of Vermont's unique housing market and provide guidance through every step of the home buying process.

Experience:15 years
Reviews:125 customer reviews
1 Hercules Drive, Colchester, VT 05446

Loan Types:

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

Union Bank

Union Bank

★★★★☆
4.7/5

Union Bank has been serving Vermont communities for over 130 years and maintains a strong local presence in the Rutland area, conveniently serving North Clarendon residents. They are particularly noted for their construction lending expertise and personalized mortgage services. As a community bank, they offer the advantage of local underwriting and decision-making, combined with competitive rates and flexible terms. Their mortgage team has deep knowledge of Central Vermont's real estate market and provides exceptional customer service throughout the lending process.

Experience:12 years
Reviews:89 customer reviews
100 Merchants Row, Rutland, VT 05701

Loan Types:

Conventional mortgagesFHA loansVA loansUSDA loansConstruction-to-permanent loansHome equity loans
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3

Newrez LLC

Newrez LLC

★★★★☆
4.6/5

Newrez is a nationally recognized mortgage lender with strong presence in Vermont markets, offering competitive rates and a wide variety of loan products. They receive high marks for their efficient digital mortgage process and knowledgeable loan officers who specialize in Vermont properties. While operating nationally, they maintain local expertise through regional specialists familiar with Vermont's unique lending requirements and market conditions. Their streamlined application process and competitive pricing make them a popular choice for Vermont homebuyers seeking reliable mortgage services with national resources.

Experience:18 years
Reviews:350 customer reviews
55 Beattie Place, Suite 310, Greenville, SC 29601 (National lender serving Vermont)

Loan Types:

Conventional loansJumbo loansFHA loansVA loansUSDA loansRefinance loansInvestment property loans
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Frequently Asked Questions

Common questions about mortgage lending in North Clarendon, VT

What are the current mortgage rates like in North Clarendon, VT, and are they different from the national average?

Mortgage rates in North Clarendon are generally aligned with national averages, but local lenders may offer competitive terms. Vermont's stable housing market can sometimes lead to slightly favorable rates for well-qualified buyers, especially through local credit unions like Heritage Family Credit Union or VSECU, which have a strong community presence.

Are there any Vermont-specific first-time homebuyer programs available for North Clarendon residents?

Yes, the Vermont Housing Finance Agency (VHFA) offers several programs, including MOVE and ASSIST, which provide competitive interest rates and down payment assistance. These programs are specifically designed for Vermont residents and can be a significant help for first-time buyers in North Clarendon navigating the local market.

How does the appraisal process work in North Clarendon, given its mix of rural properties and village homes?

Appraisals in North Clarendon require appraisers familiar with Rutland County's diverse property types, from historic village homes to larger rural parcels with land. Unique features like older home systems, septic vs. sewer, and property acreage can significantly impact valuation, so using a lender with local appraisal expertise is crucial.

What should I know about property taxes and insurance when calculating my monthly mortgage payment in North Clarendon?

North Clarendon's property tax rate is set by the town and Rutland County, and it's important to get an accurate estimate as it's part of your escrow payment. Additionally, due to Vermont's climate, lenders will require proof of adequate homeowners insurance, which may include coverage for specific risks like winter-related damage.

Are there local loan programs or grants for energy-efficient improvements when buying a home in North Clarendon?

Yes, Vermont offers incentives like Efficiency Vermont's financing and the VHFA's ENERGY STAR® Mortgage program, which can provide better rates or additional borrowing power for homes with energy-efficient features. This is particularly valuable in North Clarendon, where heating costs can be a major household expense.

Nearby Cities

Explore mortgage lenders in cities near North Clarendon, VT

Why Choose a Mortgage Lender in North Clarendon?

Local Market Knowledge

Lenders who understand North Clarendon'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 North Clarendon and get competitive rates on your home loan.