Home Mortgage Loans in Vermont & New Hampshire
Buying or building a home is one of life’s biggest decisions, and 802CU is here to make it easier. With competitive rates, local lending expertise, and a variety of mortgage options, we’ll help you find the right fit whether you’re a first-time homebuyer or ready to build your dream home.
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Fixed-Rate Mortgage
Predictable payments with a rate that stays the same.
Enjoy peace of mind with consistent monthly payments and terms of 10, 15, 20, or 30 years. A fixed-rate mortgage is ideal for buyers planning to stay in their home long-term.
Adjustable-Rate Mortgage (ARM)
Start with a lower rate—ideal if you don’t plan to stay in your home long term.
An ARM offers a lower introductory rate for a set period (usually 1, 3, or 5 years), then adjusts based on market conditions.
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First-Time Home Buyers (FTHB)
Special financing and support for your first home purchase.
If you haven’t owned a home in the past three years, you may qualify for programs that offer reduced down payments, pre-approvals, and homebuying guidance.
Mobile Home Loans
Affordable financing for mobile or manufactured homes.
Whether you’re purchasing a new mobile home or refinancing, we offer flexible options tailored to non-traditional home purchases.
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Construction Loans
Build your dream home with financing that transitions into a mortgage.
From pre-qualification to permanent financing, our construction loans are designed to support every phase of your homebuilding journey.
Other Lending Options
More Ways to Borrow with 802CU
Borrow With Confidence
Explore current rates for all loan types, from everyday needs to long-term goals. Our local team is here to help you find the best fit.
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More Than a Member
As a member-owner, you’re doing more than banking. You’re building a better financial future with a credit union that puts you first.
Testimonials
Hear From Our Members!
Real stories from real people who’ve found their financial home.
As a self-employed business owner, 802 Credit Union has always offered me support and has really gone the extra mile to ensure my business banking needs are met. Their free business checking account and the ease of adding a d/b/a was a flawless experience.
Robert
Brattleboro, VT
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