Vermont is small, and its markets are very local. Buyers compare Chittenden County, the capital area, and southern Vermont towns. If you are planning a purchase in 2027, this guide covers Burlington, South Burlington, Rutland, Montpelier, and Brattleboro, the loan types we can help you compare, and the state housing agency that may be worth a look. Shay Yates and the True North Yates Group team are a small, Springfield, Missouri based team licensed to lend in Vermont, and we answer the phone. You can also read our Vermont page for a quick overview.
Where buyers are looking in Vermont
Here is a quick tour of places we hear about often. This is not a ranking and not advice about where anyone should live. It is simply a starting point for your own search.
Burlington
The state's largest city, on Lake Champlain, with a university presence and a tight market.
South Burlington
Next door to Burlington, with a mix of established neighborhoods and newer condos.
Rutland
A central Vermont city with price points that tend to be more approachable than the Burlington area.
Montpelier
The smallest state capital in the country, with a walkable downtown and historic homes.
Brattleboro
A southern Vermont town in the southeast corner of the state, with a lively downtown and a smaller market.
Loan programs to know in Vermont
Most Vermont buyers end up choosing among a handful of loan types. We compare them side by side for your situation, with no pressure.
- Conventional loans. A flexible choice for buyers with solid credit, and often a good fit for larger purchases or second homes.
- FHA loans. Government insured loans designed with flexible credit and smaller down payments in mind, a common route for first-time buyers.
- VA loans. A benefit for eligible Veterans, service members, and some surviving spouses. Vermont has a National Guard and Veteran community, and VA loans are a common topic.
- USDA loans. Much of Vermont is rural, and many towns may be USDA eligible. Check an address on the USDA map and ask us.
- First-time buyer programs. Help from VHFA, covered below.
First-time buyer help from VHFA
Vermont Housing Finance Agency (VHFA) is the state agency behind homebuyer programs in Vermont. VHFA offers first-time buyer mortgage programs such as MOVE, along with ASSIST for down payment help, through participating lenders. Ask us whether you may qualify.
Program details, limits, and which lenders take part are set by the agency and can change, so please check the agency's own site, VHFA, for the latest. We do not want to promise anything the agency has not. What we can do is look at your situation and tell you honestly what to ask about.
A local thing worth asking about
Many Vermont homes have private wells and septic systems, so ask about water testing and septic inspections early in the process.
How we work with Vermont buyers
The path is the same wherever you are buying. First comes a no pressure conversation about your goals and your budget. Next we look at loan options and, if it makes sense, get you pre-approved so your offer stands out. Once you are under contract, we keep you posted at every step, from the appraisal to the closing table, and we explain each document in plain English. If a question comes up at 9 at night, send a text.
Next steps
Not sure where to start? Start with a simple conversation. We will listen first, then map out a plan that fits your timeline. You can see where we lend on our states we serve page, read the Vermont page, send us a note on the contact page, or start your application. Shay and the team are just a text away.
Frequently asked questions
Is Shay licensed to help with a home loan in Vermont?
Yes. Shay Yates (NMLS 2172921) is licensed through Southwest Funding to originate loans in Vermont. Licensing details are on our Vermont page, and you can verify any loan officer at nmlsconsumeraccess.org.
Does Vermont have a first-time buyer program?
Yes. VHFA offers programs such as MOVE and ASSIST through participating lenders. Ask us whether you may qualify.
Why do wells and septic matter?
Many Vermont homes have them, and inspections and testing can affect your timeline. Ask us about it early.
Do I need to live in Missouri to work with you?
No. Our team works with buyers in Vermont and other states by phone, text, and secure online tools, so you can apply and move through the process from home. Reach us any time on the contact page.
This post is general information, not financial advice or a commitment to lend. Programs and eligibility vary and are subject to credit and property approval. Talk with a loan officer about your situation.