Mortgage bankers walking mobile

Mortgage bankers walking mobile

Mortgage bankers walking tablet

Mortgage bankers walking tablet

Mortgage bankers walking

Mortgage bankers walking

Mortgage Types

Mortgages are not one-size-fits-all. Our Mortgage Bankers not only guide you to the best mortgage for your unique situation, they have earned their reputation for being knowledgeable and accessible and for making complex processes as easy as possible. Whether you are shopping for a new home or looking to refinance, our Mortgage Bankers will put you on the right path.

Fixed
Mortgage

Fixed

Fixed Mortgage

A fixed rate loan is the most popular mortgage product, guaranteeing a fixed rate for the entire term of the loan. Fixed rate terms vary from 15, 20 or 30 years.

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Jumbo
Mortgage

Jumbo

Jumbo Mortgage

NSB offers a variety of competitive Jumbo loan products to fit your needs.

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Adjustable Rate
Mortgage (ARM)

ARM

Adjustable Rate Mortgage (ARM)

An adjustable-rate mortgage, or an "ARM" as they are commonly called, is a loan type which offers a lower initial interest rate than most fixed rate loans. The trade off is the interest rate can change periodically, usually in relation to an index, and the monthly payment will go up or down accordingly. NSB offers ARMs fixed for 5, 7, or 10 years.

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Construction
Loan

Construction

Construction Loan

NSB offers a single closing construction loan, helping to save you time and money. The Construction Loan will automatically convert to a fixed rate mortgage after 9-months of interest only payments.

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Pathway
Mortgage1

Pathway

Pathway Mortgage1

With the NSB Pathway Mortgage you will enjoy the stability and flexibility of a fixed rate. You’ll benefit from the local decision making that comes from working with a truly local bank. Upon completion of the Homebuyer Education course, you’ll receive a $1,000 credit toward closing costs.

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Land
Loan

Land

Land Loan

NSB offers a loan product to assist in the financing of buildable lots for the construction of a primary residence or second home. Additionally, NSB finances land acquisition when the subject property is contiguous to the purchaser’s primary residence, and the purchase is intended to protect the privacy of the purchaser’s property, but not for future subdivision.

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Lending
Partners

Lending

Lending Partners

Our partnership with community and government organizations is important to our customers, allowing them to take advantage of programs that were created to assist in low-cost homeownership for lower to moderate income borrowers and Veterans.

Connect to Learn More

  • Vermont Housing Finance Agency (VHFA)*
  • Champlain Housting Trust (CHT)
  • Downstreet Housing & Community Development
  • Windham & Windsor Housing Trust
  • U.S. Department of Veteran's Affairs (VA)
  • USDA Rural Development (RD)
  • Federal Home Loan Bank (FHLB)
    • Equity Builder Program (EBP)
    • Housing Our Workforce (HOW)
    • Lift Up Homeownership (LUH)

*NSB cannot service VHFA loans. All VHFA loans are serviced through U.S. Bank.

Looking for a home equity loan
or line of credit?

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1Approval subject to NSB underwriting and credit eligibility requirements