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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MHDP Loan Program

Loan Eligibility Requirements

  • Loans can be used in any Vermont county. Home must already serve as, or will be, the borrower's primary residence
  • Applicants must complete Homebuyer Education and Counseling at your Local NeighborWorks HomeOwnership Center (5+ locations in VT) 
  • The loan is secured by a mortgage deed, so there must be enough equity in the property to secure the loan amount
  • The home cannot be located in a FEMA Special Flood Hazard Area 
  • Credit history and debt obligations will be considered. Liquid assets exceeding $60,000 will be subject to further analysis.
  • The gross household income (before taxes and deductions) must be less than the following:
Area Household Size
  1 person 2 persons 3 persons 4 persons 5 persons 6 persons 7 persons 8 persons
Burlington/South Burlington MSA 77,040 88,080 99,120 110,040 118,920 127,680 136,560 145,320
Addison County 67,800 77,520 87,240 96,840 104,640 112,440 120,120 127,920
Bennington County 62,760 71,640 80,640 89,520 96,720 103,920 111,120 118,200
Caledonia County 62,760 71,640 80,640 89,520 96,720 103,920 111,120 118,200
Essex County 62,760 71,640 80,640 89,520 96,720 103,920 111,120 118,200
Lamoille County 62,760 71,640 80,640 89,520 96,720 103,920 111,120 118,200
Orange County 62,760 71,640 80,640 89,520 96,720 103,920 111,120 118,200
Orleans County 62,760 71,640 80,640 89,520 96,720 103,920 111,120 118,200
Rutland County 62,760 71,640 80,640 89,520 96,720 103,920 111,120 118,200
Washington County 67,560 77,160 86,760 96,360 104,160 111,840 119,520 127,200
Windham County 62,760 71,640 80,640 89,520 96,720 103,920 111,120 118,200
Windsor County 66,720 76,200
85,680 95,160 102,840 110,400 118,080 125,640

Loan amount of $27,500:  Energy Star Rated Manufactured Home

  • Replace an old manufactured home with a new Energy Star Rated model. Location can be in a mobile home park or on owned land.
  • Purchase a new Energy Star Rated Manufactured home in a mobile home park or on owned land.
  • Must qualify for a First Mortgage or other Financing for the balance of the purchase and site improvement costs.
  • Borrower must be able to contribute at least $2,500 of transaction costs from cash savings.
  • A home installation inspection will be required.

Apply


Loan amount of $35,000: Vermod High Performance Home

  • Purchase an approved zero energy modular (ZEM) home in a mobile home park setting OR a 1:1 replacement of an old Manufactured Home on owned land (no exceptions).
  • Must qualify for a First Mortgage or other Financing for the balance of the purchase and site improvement costs.
  • Borrower must be able to contribute at least $2,500 of transaction costs from cash savings.

Apply


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


Program is made possible by the State of Vermont and the Vermont Housing Finance Agency