Shared Equity HOMEOWNERs

Selling Your CHT Home

Selling Your CHT home is a little different than selling a traditional home. CHT staff will help you with every step. Learn more.

Refinancing Your CHT Home

Most homeowners can refinance their CHT home to take advantage of lower interest rates, but there are a few things you should know. We are here to help. Learn more.

Ground Lease and Membership Fees

CHT offers online invoices and payments for monthly fees. Learn more.

Capital Improvements

Thinking about doing some renovations? Check in with us to see if it might qualify for a Capital Improvement Credit when you sell. Learn more.

Maintenance Tips

There are certain things that you should do regularly to maintain your home. Here is a list of some common ones. Learn more.


The end of summer is a great time to prepare your home for the coming winter. Here are some local organizations that offer weatherization services to save you energy and keep your home warm and cozy! Learn more.

Selecting a Contractor

Working with contractors can be overwhelming for some homeowners. Here are some tips. Learn more.

Tax Information

Each year homeowners need to fill out certain forms with the State of Vermont to get discounts on their property taxes. Learn more.


Lease and membership fees* allow CHT to be able to provide a wide variety of services to our shared equity homeowners including post-purchase counseling (budgeting, refinancing, delinquency intervention and more), post-purchase education workshops, homeowner advocacy, advertising and support during the sale of your home, tax assistance, special events and stewardship.

*Please note some condominium HOA’s dues include the membership fee or a portion of the fee (South Meadow, Coolidge, City’s Edge and Westwood).

Yes, we are able to send you your bill via email. You can sign up for emailed invoices by clicking here. Sign Up for Emailed Invoices

Shared equity homeowners can contact Janet Harvey-Coutrayer for assistance with their bill or related issues. Janet can be reached at 802-861-7339 or via email.  

As a homeowner, it is your responsibility to maintain your home, use your home as your primary residence, and pay all the required costs of owning the home (mortgage, taxes, insurance, homeowners association fees, etc).   You must also follow the requirements listed in your legal documents.  If you have any questions on these responsibilities please reach out to Janet Harvey-Coutrayer.

Janet Harvey-Coutrayer   
Office Line: 802-861-7339 
Capital Improvements are work done to the home that increase the market value and are above and beyond normal replacement of items.
At the resale of a Shared Equity Home with Champlain Housing Trust, the homeowner retains 100% of any market value that is added by capital improvements and 25% of any additional appreciation.
Learn more

At CHT once you are a customer you are always a customer. If you ever need some advice or assistance with anything regarding your home or finances, please call and set up a counseling appointment. Janet Harvey-Coutrayer is our Shared Equity Stewardship Specialist and has many years of experience assisting CHT homeowners.

Janet Harvey-Coutrayer   
Office Line: 802-861-7339