Fixed Rate Mortgage
A traditional fixed-rate mortgage loan is made to finance or refinance real estate. It features a monthly payment that doesn't change for the life of the loan. You pay a set amount for a predetermined number of years at a specified rate. Mortgage Center

Adjustable Rate Mortgage (ARM)
A flexible down payment makes this mortgage option very affordable and very popular. The interest rates are adjusted periodically, but rate caps, which establish a maximum rate amount, are established to protect you and keep your dream home affordable. Mortgage Center

Construction Mortgage
National Bank of Middlebury offers easy and flexible construction loans. The loan features one closing, competitive rates, and flexible approval process. Our construction loan will provide you the ability to construct your dream house. Mortgage Center

Home Equity Line of Credit (HELOC)
This is a revolving line of credit secured by your residence. It provides access to funds to use for home improvement, education and debt consolidation. Mortgage Center

Land Loans
Purchase a parcel of land for investment, pleasure, or as a future home site. Our land loans are competitively priced and it’s easy to apply for one. Mortgage Center

Vermont Housing Finance Agency (VHFA)
A special program that helps low and moderate income Vermonters afford mortgages. Mortgage Center

Equity Builder Grant
A grant that allows first-time homebuyers to receive up to $15,000 to be used as a down payment or for closing costs associated with purchasing a house. Mortgage Center