Home Loans
Apply Online for a Vermont or New Hampshire Home Loan from VSECU
Buying a home is probably one of the biggest investments you will make in your lifetime. It can be both an exciting and stressful event. We understand the importance of this event and want to be right by your side every step of the way to make sure that you are able to fulfill your dreams without putting you and your family at risk trying to make ends meet. Details of our Vermont or New Hampshire home loans include:
- Local and a Vermont loan!
- Locations to service you throughout Vermont.
- Our mortgage specialists will hold your hand through the process.
- We’ll always be here to answer your questions.
- Property must be located in Vermont or New Hampshire.
- Easy online home loan applications.
We offer great rates on home loans and mortgages for all Vermonters. Simplify your home financing with a mortgage from VSECU.
| Item | Fee |
| Origination Fee | Each point is equal to 1% of the loan amount |
|---|---|
| Discount Points | Each point is equal to 1% of the loan amount |
| Appraisal | $450 single family or $650 2-4 family |
| Property Inspection | $125 final inspections for completion of property or other repairs |
| Credit Report | $15 for single person or married couple |
| Lenders Inspection | $750 if construction loan, $375 for modular 5/1 ARM |
| Tax Service Fee | $85 VHFA only – covers tax & insurance escrow service |
| Underwriting | $320 |
| Flood Certification | $11 |
| Settlement Agent | $300 |
| Title Search | $650 for purchase, $400 for refinance |
| Title Insurance | $170 for $50,000 or less, $170 + [(Loan Amount/1000-50) x 2.25 |
| Recording Fee | $230 |
| Vermont Department of Taxes (For Purchase transactions only) |
|
For Primary Residence |
|
| 0.005 x sales price up to $100,000 | Any amount over $100,000 × .0125 |
VHFA Loans |
|
| No tax on the first $100,000 | Over $100,00 × .0125 |
Secondary Residence (vacation home, investment property etc.) |
|
0.0125 x Entire Sales Price |
|
