Feel right at home with a NSB mortgage.

For most people, a home is the biggest -- and in some cases, the most stressful -- purchase they will ever make. Our dedicated and professional Mortgage Originators have the experience to help find the right mortgage for you, whether you are buying your first home, refinancing, building a house, or buying a vacation home. We will work around your busy schedule and travel to your home, office or even the gym to work with you. Or you can complete our fast and easy online mortgage application.

To qualify for financing, your property must be located in Vermont.

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We offer the following types of mortgages:

Primary Residence

Eligible properties include: single family and multiple family dwellings with 1 to 4 units including 1 owner-occupied unit. Loan amounts meeting national investor standards are available up to $417,000 for single family, and $801,950 for multi-unit properties. Loans evaluated using NSB approval criteria may qualify for higher amounts. Depending on your unique situation, your loan request may be evaluated using national market investor standards or NSB approval criteria. Rates vary depending on which program you qualify for.

Primary Residence, "Jumbo" Mortgage

Single family primary homes with loan amounts greater than $417,000. These loans must meet national market investor standards.

Affordable Housing and First Time Home Buyer

NSB offers programs for Affordable Housing and First-time Homebuyers. Maximum loan amounts and terms vary by program. Our professional Mortgage Originators can help you find the best program to fit your needs.

Second Homes

Single family second homes with loan amounts under $417,000. These loans must meet national market investor standards.

Second Homes "Jumbo" Mortgages

Single family second homes with loan amounts greater than $417,000. These loans must meet national market investor standards.

Investment & Rental Homes

Eligible properties include: single family dwellings, multiple family dwellings with up to 4 NON owner-occupied units. Loans evaluated using the national market investor standards are available in amounts up to $417,000 for single family, and $801,950 for multi-unit properties. Higher loan amounts may be available when the loan is evaluated using NSB approval criteria.

Land and Construction Loans

Are you ready to build your dream home? Or perhaps you found that perfect piece of land but are not ready to build, NSB offers a land loan program to purchase that beautiful spot. For individuals ready to build, we also offer a convenient single-closing construction loan.

Mobile Homes

We can help you make a mobile home purchase. If you are buying a mobile home permanently installed on owned or leased land, this mortgage may be right for you. If you are planning to purchase a mobile home on rented property, please refer to the Mobile Home Loans option in the Personal Loans section.