Vemont's #1 Mortgage Experts

Mortgage Application Checklist

When you work with Vermont Mortgage Company, we advise you on the mortgage program that best fits your needs based on your unique situation. Based on the program selected, you will need to provide the following:

All Transactions:

W-2 or tax returns (if self employed) for the last two years
Most recent pay-stub
Most recent bank statements – all pages
Investment / asset account statements

Additional Documentation That May Also Be Required:

Purchase Agreement (if purchase)
Award letter (if retired)
1st Mortgage Statement (if applicable)
2nd Mortgage Statement (if applicable)
Homeowner’s Insurance Declaration page
Rental Agreement (if rental properties are owned)
Mortgage statements (on other properties if any)
Drivers License
Bankruptcy Papers (if applicable)
Child Support / Alimony (if applicable)
Business License or Letter from CPA (if self employed)

Apply for your Vermont mortgage today via our Online Application!

Have questions about a mortgage?

My wife and I were far from being typical home buyers. It had been many, many years since we had gone through the mortgage application process. Purchasing a second home, in a different state, as senior citizens, required a great deal of patience and, yes, “hand-holding”. Ronnie Ryan was available for all our needs and we’re grateful for his service. We would recommend him highly.

John Amato

We were very fortunate that our real estate agent recommended Nick Parent as our loan officer. In a very kind way, Nick guided us through a process we have done only twice before, the last time over 25 years ago. He gave excellent directions on how to fill out the forms, responded quickly to any question or concern, sometimes within minutes, and got us the documents we needed for our offer and for our closing promptly and efficiently. We know that we can contact him in the future if the need arises.

Theodore Marcy

Working with Ronnie Ryan from Vermont Mortgage Company was great from beginning to end - he is very knowledgeable and always responsive over e-mail and phone. We first met Ronnie about one year ago and he has since helped us on numerous occasions when we looked at various houses to purchase and ultimately went back to him after we built our home and needed to refinance our construction loan. If we ever need to refinance or purchase a new home Ronnie will surely be our first call. We cannot thank Ronnie enough for all of his help and we would recommend him to everyone! Thanks again Ronnie! RJ and Anna Sargent

Anna Sargent

Vermont Mortgage Company provided the support and the expertise to help our family secure my childhood home for our future. Nick and his staff were always available to us, constantly working towards our goal of owning the home. This was one of the most important times in our lives and VT Mortgage Company took great responsibility in ensuring the process was seamless. We can't wait to work with them again. Thank you so much.

Michael Van Horn

Nick Parent, owner of Vermont Mortgage Company, is the absolute best. At a time when getting a mortgage can be a truly complicated process, with all kinds of new regulations and hurdles, Nick makes it a breeze. He got me a fantastic rate. He made himself readily available to answer all my questions clearly, patiently, and in language I could easily understand. He facilitated filing my application, so I had minimal work to do with that. Nick followed up promptly on all mortgage matters, he advocated on my behalf with the lender, so that I never had a second's worry about anything falling through the cracks, or not happening in a timely manner. In fact, I was able to close a week early, due to Nick's diligence. Not only did Nick always behave as a true professional, always treating me with courtesy and respect, but he's a genuine, friendly guy, a pleasure to work with. Anyone looking for a stress-free experience seeking a mortgage, be sure to go to Nick Parent, Vermont Mortgage Company.

Saragail Benjamin

Ronnie was very professional, knowledgeable and an all around pleasure to work with. He was right on top of things when we needed something and/or when something was needed to keep the process going. It was a fast and efficient application and closing process. I have no hesitation in recommending Ronnie!

Lowell's Moving and Storage

Nick and his team at Vermont Mortgage Company were an absolute pleasure to work with. Nick spent an appropriate amount of time getting to know us, and our needs, but also kept us on track and moving swiftly to ensure the quick close that we requested. Nick and his team respond to emails and calls and are approachable and professional. We definitely recommend working with Nick and the team at Vermont Mortgage Company.

Beth Rice

Our experience with Samantha was great. When buying our first house, we had tons of questions about the process. Samantha was very accommodating in answering the questions and helped make the process a breeze. Samantha made herself available at any time of day and was very responsive. Whether it be early morning or late at night, I could always depend on Samantha answering the phone or responding to an email. Overall, Samantha and the Vermont Mortgage Company were a pleasure to work with and made the home buying process enjoyable.

Sean Reilly

Buying a house is a massive process. Buying a house with a VA loan can be even more complicated. Working with Nick and his team at the Vermont Mortgage Company made the home buying process easy, understandable, and comfortable. When I was interviewing other loan officers, I felt a lot of responsibility to pick the right resource for our family. Coming from being stationed abroad to the great state of Vermont was a heavy process. My first phone conversation with Nick took place a few months before we even PCS'd home and I knew instantly that the Vermont Mortgage Company was the best choice for us. Nick was approachable, knowledgeable, and not pushy. Right away, I knew I wanted to work with him. Not only did he walk through a lot of hypothetical situations with us but he made sure we understood all the different steps we were walking through. A VA loan requires some extra paperwork and Nick was able to educate us on that and execute everything with total certainty. Working with Nick is one of the best decisions we made and we are so thankful to now be settled into our home!

Kendall B Arguello

Nick was fantastic to work with. My husband and I weren’t the easiest of customers, but it didn’t bother Nick. He was always friendly, prompt to respond, and on top of the paperwork. Additionally, he ensured that we got the best rate possible. I wholeheartedly recommend VT mortgage company.

Heidi Rawls