Success Stories

Read about how successful these members have been!

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HopeBuilders Breakfast

Attend one of our informational HopeBuilders breakfasts to learn more about the Champlain Housing Trust and the affordable housing work we do in northwestern Vermont.

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Home Repair Loans

Home Repair Loan Program Brochure Home Repair Loan Program Brochure (1417 KB)

Basic Requirements for Owner-Occupied Homes:

  • You must own your home (single family home, condo, or mobile home) and live in it as your primary residence.
  • Your home must be located in Chittenden*, Franklin, or Grand Isle County
  • Loans are secured by a mortgage on your home, so you must have enough equity to secure a loan.
  • Your credit history and debt payments will also be considered.
  • Your gross household income (before taxes and deductions) must be less than 80% of AMI (see chart below).

Home Repair Loan Eligibility Application Home Repair Loan Eligibility Application (527 KB)

Basic Requirements for Landlord Loans:

  • Property must be located in Chittenden, Franklin, or Grand Isle Counties (*Burlington properties not eligible). Rental units must be one of the following:
    • Owner Occupied dwelling up to four units
    • Single Family Rental
    • Duplex Rental
    • Accessory Apartment
  • Majority of tenant incomes must be at or below 80% of AMI (see chart below)
  • Landlord income, debts, and credit history will be considered.
  • Loan will be secured by a mortgage on the property.
  • HUD Fair Market Rents will apply.

Home Repair Loan - Landlord Application Home Repair Loan - Landlord Application (654 KB)

Home Repair Loan - Tenant Eligibility Information Home Repair Loan - Tenant Eligibility Information (84 KB)


Household Size Maximum Income
1 person $50,350
2 person $57,550
3 person $64,750
4 person $71,900
5 person $77,700
6 person $83,450
7 person $89,200
8 person $94,950
If your income is close, please apply. Call for larger household size income eligibility.
*Burlington residents are not eligible.


Contact Us for More Information: 802-861-7388 or Loans@getahome.org

Offices

88 King Street
Burlington, VT 05401
NMLS ID# 179570

13 Lake Street
St. Albans, VT 05478
NMLS ID# 184793


This program is made possible through funding from the Vermont Community Development Program, Vermont Housing Conservation Board, United States Department of Agriculture Rural Development, TD Charitable Foundation, and NeighborWorks® America.