VNB/FSNH: Mortgages






Contact a Mortgage Officer	We'll help you finance the house of your dreams. If you’re looking to buy, build or refinance your home, we can help. We offer a wide variety of innovative mortgage products and special borrowing programs. Our mortgage loan officers work with you every step of the way, so you’re assured of a mortgage that’s right for you—not just for the bank. Our goal is to make the home financing process easy and affordable. And we think that’s a difference you can see. Fixed or adjustable? Jumbo or construction? We have a number of attractive mortgage options—one of which is sure to be right for you. Fixed Rate Mortgages If you like the certainty of a fixed monthly payment or plan to stay in your new home for a long period of time, a fixed rate mortgage might be what you’re looking for. A fixed rate mortgage makes budgeting easy. And there’s never any worry about how prevailing interest rates will affect your monthly payment because your rate is locked in for the term of your mortgage. Adjustble Rate Mortgage If you want the flexibility of a lower initial monthly payment or plan to move within a few years, then an adjustable rate mortgage may be in your best interest. With an adjustable rate mortgage, the rate you receive fluctuates as prevailing interest rates rise and fall. All of our adjustable rate mortgages feature annual and lifetime interest rate caps to protect you from dramatic rate increases. We also offer convertible adjustable rate mortgages, which start with an adjustable rate, then allow you to lock into a fixed rate. Construction Loans Planning to build the house of your dreams? We can help your plans become a reality with a construction loan. Like our other mortgage products, construction loans come with fixed and adjustable rate options. Jumbo Mortgages If you plan on financing over $227,150, you’ll want to consider our jumbo mortgage products, which offer competitive interest rates and special financing options. Consult one of our mortgage loan officers for more details. Special Programs We offer special programs through the state and federal housing authorities and the Veterans Administration which provide low interest rate mortgages with minimal down payments to those who qualify.Check with one of our mortgage loan officers for additional information. We're with you every step of the way. When you apply for a mortgage with us, you get a mortgage loan officer who stays with you every step of the way—from application to closing. Our loan officers are seasoned professionals with many years of mortgage experience under their belts. They know what makes the process go smoothly—and what doesn’t—thereby keeping the paperwork and stress level to a minimum. And our service doesn’t end there. You can call our Mortgage Customer Service Center at 1-800-322-0055 (TTY users: 877-318-0255) with any questions you may have regarding the mortgage process or paperwork you receive. Local lending decisions by local people. When you apply for a mortgage, the last thing you need is to be qualified by someone unfamiliar with the local real estate market. With us, you’ll get a fast decision made by local mortgage lenders who have a solid working knowledge of the local real estate market. Our people live in the areas they serve. Shop smart with our Pre-approval Program. Apply for pre-approval before you start house-hunting. With a pre-approval certificate in hand, you’ll be able to shop intelligently because you’ll know “how much house” you’ll be able to afford. Plus, when it comes time to make an offer, sellers are more likely to sell to someone who has already been approved. For more information on our various mortgage programs, or to receive an application, contact a mortgage officer, stop by one of our offices, e-mail us, or call 1-800-322-0055. (TTY users: 877-318-0255)