Make a house your home.

Passumpsic Bank offers a variety of mortgage programs because while many of us dream of owning a home, not everyone’s dream looks quite the same.

Using our wholly owned subsidiary, Northeast Home Loan, LLC, we can offer a variety of mortgage loan products, competitive pricing, and the service Passumpsic Bank is known for, to originate and service your home-financing needs.

Current Rates

Effective Date: Monday, November 18, 2019

30 Year Fixed3.750%03.822%$463
20 Year Fixed3.625%03.724%$586
15 Year Fixed3.250%03.377%$703

** Payment based per $100,000 amount

Columns labeled “APR” refer to the “Annual Percentage Rate”. For definitions of these and other home mortgage terms visit Mortgage Terms & Definitions.

ANNUAL PERCENTAGE RATE (APR) IS BASED ON $100,000 LOAN AMOUNT WITH 20% DOWNPAYMENT. LOANS WITH LTV’S GREATER THAN 80% REQUIRE PRIVATE MORTGAGE INSURANCE. APR-To make it easier for consumers to compare mortgage loan interest rates, the federal government developed a standard format called an “Annual Percentage Rate” or APR to provide an effective interest rate for comparison shopping purposes. Some of the costs that you pay at closing are factored into the APR for ease of comparison. Your actual monthly payments are based on the interest rate, not the APR. Special Information for all adjustable rate mortgages- The interest rates are subject to change and may increase or decrease due to market-driven changes to the index. For information regarding our arm products, margins, caps and indexes, please call 877-757-7815. RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT PRIOR NOTICE

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An experienced member of our mortgage team is ready to help you, every step of the way. Choose the branch that is most convenient for you and we will start your adventure!


Meet Your Lending Team

Our Universal Banker Ill's are your mortgage specialists, providing one stop shopping for your mortage, consumer lending and deposit product needs. They will be there every step of the way from your very first visit to when tou sign paperwork and any time you just have questions. They do it all and are ready to work with you to accomplish your financial goals. 

Amanda Brooks

Amanda Brooks

Universal Banker III

Lyndonville, VT

NMLS #: 1838148

(802) 473-7020

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Nichole Provencher

Nichole Provencher

Universal Banker III

Newport, Vermont
NMLS #: 1767889
(802) 334-1064

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Andrew DeMasi

Andrew DeMasi

Universal Banker III

St. Johnsbury, VT
NMLS #: 1855332
(802) 751-4216

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Karen Covill

Karen Covill

Universal Banker III

Lancaster, NH

NMLS #: 653462

(603) 788-4715

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Kimberly Doolan

Kimberly Doolan

Universal Banker III

Littleton, NH

NMLS #: 1633490

(603) 444-1738

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Mortgage Products & Services

Everything you need to take that next step.

When it comes to mortgages, knowledge is power.

Get a sense of monthly payments and what you need to get started.

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What you need to start the mortgage process

At Passumpsic Bank our goal is to make this process as smooth and fast as possible, so you can see your dream become a reality!

In an effort to process and underwrite your file as quickly as possible, we will need the following information to accompany your completed application packet:

  • Pay stubs: Most recent pay stubs totaling 1 month of income.
  • W-2 Wage Earnings: Previous two years of W-2s and/or 1099s. VHFA loan programs (first time homebuyers) will need 3 years of documents.
  • Federal Tax Returns: Previous 2 years of signed tax returns including all schedules. VHFA loan programs require 3 years of signed tax returns.
  • Deposit Accounts: This includes checking and savings accounts. Most recent 2 months of statements including all pages and it needs to be on letterhead.
  • Social Security/Pension: Copy of your most recent Award letter if applicable.
  • Child Support Obligation: Copy of the child support order and divorce decree if applicable.
  • Child Support Income: Copy of the child support order, divorce decree, and verification of receipt if you wish to include that in your monthly income. Only if applicable.
  • Real Estate Owned: Copy of the following information for all real estate currently owned (including the subject property if refinancing):
    • Most recent mortgage loan statements for all mortgages on the property
    • Most recent paid tax bill (if not escrowed with the mortgage)
    • Most recent paid homeowner insurance (if not escrowed with the mortgage)
  • Purchase Transactions--Copy of the following information for the property you are looking to finance:
    • Complete copy of the Purchase and Sales Agreement
    • Most recent paid tax bill
    • Warranty Deed
    • Listing Sheet
  • Construction Loan: Include a copy of the building plans, contract with your general contractor and estimates for all costs involved.
  • Business Tax Returns: If you have more than 25% interest in a business please provide the previous 2 years of business tax returns.
  • Check: Made payable to "Northeast Home Loan" ($46.75 for single borrower or $52.00 for joint applicants) for the credit investigation.

Contact a Mortgage Lender today to request a mortgage application package and to schedule a meeting.

Tips to remember during the mortgage process
  • Resist spending any money that you have saved for your down payment and/or closing costs.
  • Resist liquidating any investments or retirement accounts.
  • Resist making any large purchases such as furniture, appliances or automobiles.
  • Resist opening any new accounts (i.e. credit cards, installment loans, home equity loans, personal loans, etc…) that may alter or change your financial obligations significantly.
  • Don’t stop making any of your payments such as your mortgage, rent, auto loans, credit cards, etc… Even if you intend to payoff these accounts with the proceeds of this mortgage loan.
  • Be prepared to provide verification of any large deposits made to any of your accounts.
  • Notify us of any changes in your employment.