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?

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

Ronnie was very accommodating during the mortgage loan process. He explained everything to me clearly, was always available for questions, and was incredibly professional. The downtown Burlington location was also convenient. I definitely recommend Vermont Mortgage for your lending needs!

lauren morlino

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

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

To sum up our experience getting a loan with Ronnie; we called him for the first time on a Sunday morning and requested a Letter of Approval by that evening, during a Patriots football game no less! And he got it done for us!! Ronnie was always available and very responsive throughout the process. He walked us through the details to help us find the most competitive loan program that best fit our priorities. He also coordinated with our attorney and helped expedite our closing date to better accommodate our schedule, which was very helpful. Ronnie is knowledgeable about current loan programs, very easy to work with, and exceeded our expectations for timely communications and great customer service. We highly recommend working with Ronnie Ryan from Vermont Mortgage Company! Thanks again, Ben & Abby Brown

Benjamin Brown

Buying and selling the house, obtaining a mortgage, moving, are some of the most stressful things one can experience in their life but working with Rebecca Williams alleviated a good amount of those stresses. She's super responsive, understanding, accommodating, and most importantly, extremely nice and a joy to work with. I would highly recommend her as a mortgage broker to anyone in Vermont.

Bojan Mandaric

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

Responsiveness. Availability. A sense of urgency. Kindness. Empathy. Clear expectation setting. Some of the many reasons why working with Ronnie as we purchased our home was such a pleasure, and something we would recommend to any friend of family member.

Jarrett Frankel

We highly recommend Ronnie Ryan at Vermont Mortgage Company if you are thinking about purchasing a home. The best part for us in working with him was the trust we felt from his great communication and organization. We have been in our new home going on a month now and hold such gratitude for the best service offered to us from Ronnie.

Jennie

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