First-Time Homebuyer

We’re Your Neighborhood Lenders

  • Experienced Vermont-Based Loan Officers
  • High Levels of Member Satisfaction
  • Low Interest Rates
  • Local Underwriting and Servicing
  • Free Homebuying Seminars
  • Free Pre-Approval

Why Choose Us for Your First Home Loan?


If you're just starting out on the path to your new home, please make the first item on your to-do list a call to a NEFCU mortgage loan officer. We’d love to talk about your plans and help make them happen!

Call 866.80.LOANS to speak with us today, or contact one of the mortgage loan officers directly.


n. Home Ownership Made Easier

For our first-time homebuyers, we are offering our H.O.M.E. program. Details include:

  • Borrowers must be first-time homebuyers
  • Fixed rate 30-year term or adjustable rates available
  • Private mortgage insurance costs may be covered by NEFCU (based on income)
  • Up to 3% down payment assistance in the form of a 0% interest, no payment second mortgage
  • Available to finance single family homes, condominiums, double wide manufactured homes, 2-unit homes
  • Income and asset limits apply

Speak with a Loan Officer for more details by calling 866.80.LOANS, or click here to apply.