mortgage center | APPLY NOW

You are our focus. We invite you to experience the difference of a great community bank. In an era of mergers and corporate takeovers, National Bank of Middlebury has remained a local institution. Getting a mortgage should be convenient. You can apply any time day or night. We make it easy!

Community Lenders

Our Community Lenders will happily answer any question you might have. We will provide fast, quality service. You can call or email one of our Community Lenders for expert advice. Our lenders are ready to help with all your home financing needs!

Fixed Rate Mortgage

A traditional fixed-rate mortgage loan is made to finance or refinance real estate. It features a monthly payment that doesn't change for the life of the loan. You pay a set amount for a predetermined number of years at a specified rate.

Adjustable Rate Mortgage (ARM)

A flexible down payment makes this mortgage option very affordable and very popular. The interest rates are adjusted periodically, but rate caps, which establish a maximum rate amount, are established to protect you and keep your dream home affordable.

Construction Mortgage

National Bank of Middlebury offers easy and flexible construction loans. The loan features one closing, competitive rates, and flexible approval process. Our construction loan will provide you the ability to construct your dream house.

Home Equity Line of Credit (HELOC)

This is a revolving line of credit secured by your residence. It provides access to funds to use for home improvement, education and debt consolidation.

Land Loans

Purchase a parcel of land for investment, pleasure, or as a future home site. Our land loans are competitively priced and it’s easy to apply for one. For more information or to apply, please contact one of our Community Lenders.

Vermont Housing Finance Agency (VHFA)

A special program that helps low and moderate income Vermonters afford mortgages. For more information or to apply, please contact one of our Community Lenders.