Burlington, VT Mortgages & Expert Home Financing on Lake Champlain

As Vermont’s largest city and a hub for innovation and culture, Burlington offers a real estate market as vibrant as its famous sunsets over Lake Champlain. At The Smith Mortgage Group, we specialize in helping families and professionals navigate the competitive Chittenden County landscape—whether you are seeking a historic Victorian in the Hill Section, a modern condo downtown, or a starter home in the New North End. In early 2026, the Burlington market has reached a healthy point of stabilization; while median home values hold steady near $500,000, the increase in available inventory is giving buyers more leverage than they’ve had in years. Whether you are a first-time homebuyer utilizing VHFA’s $15,000 ASSIST grant or a seasoned investor looking to capitalize on current Burlington mortgage rates, our local team provides the deep Vermont expertise needed to turn your “Green Mountain” dream into a reality.

Start your mortgage journey today.

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📍 Address: 605 Delray Street Shelbyville, TN 37160

Burlington Mortgages | Queen City Home Loans | The Smith Mortgage Group

Burlington Mortgages: Living the Green Mountain Dream

Welcome to Burlington, Vermont’s "Queen City." Perched on the eastern shore of Lake Champlain, Burlington is a hub of innovation, education, and outdoor spirit cite: source. Whether you're drawn to the creative energy of the South End or the academic prestige near UVM, The Smith Mortgage Group provides the tailored Vermont financing you need cite: source.

We are proud to serve the professionals at the University of Vermont (UVM), UVM Health Network, GlobalFoundries, Seventh Generation, and Ben & Jerry's cite: source.

The Burlington Market: Resilience and Value in 2026

In early 2026, Burlington's real estate market remains one of New England's most robust performers. The average home value sits at $501,228 cite: source. While the city's 2026 Housing Strategy is increasing inventory through the "Neighborhood Code," demand for classic Vermont architecture in the Hill Section remains high, with homes typically pending in under 30 days cite: source.

Empowering Vermont Homebuyers

Burlington residents have access to some of the nation's most innovative homeownership programs cite: source:

  • VHFA ASSIST: Get up to $15,000 in closing cost and down payment assistance through a 0% interest, "silent" second mortgage cite: source.
  • Champlain Housing Trust (CHT): Access shared-equity programs that make homes permanently affordable for Chittenden County residents cite: source.
  • Burlington Multi-Unit Loan: A unique $10,000 no-interest deferred loan for buyers purchasing and living in a multi-unit property cite: source.
  • VHFA MOVE MCC: Save up to $2,000 annually on your federal taxes with a Mortgage Credit Certificate cite: source.

Integrity in the Queen City

"Burlington is a city that leads with its values. Our mission is to provide the transparent, community-first mortgage expertise that honors Vermont's legacy of homeownership for all." — The Smith Mortgage Group Burlington Mission cite: source

High-Impact Tools for Regional Success

  • Eco-Friendly Financing: Specialized products for energy-efficient homes and solar-ready properties cite: source.
  • Academic Faculty Loans: Custom mortgage solutions for University of Vermont and Saint Michael's College staff cite: source.
  • USDA Rural Development: 0% down options for properties in the scenic outskirts of Colchester and Shelburne cite: source.
  • Condo & Loft Underwriting: Expert handling of specialized associations in the Downtown and Waterfront districts cite: source.

Spotlight on Burlington’s Top Neighborhoods

South End: A thriving arts district known for the Pine Street corridor, local breweries, and industrial-chic lofts cite: source.

Hill Section: The city's crown jewel, featuring elegant historic estates and panoramic views of Lake Champlain and the Adirondacks cite: source.

New North End: A peaceful suburban retreat offering easy access to the Burlington Bike Path and beautiful city beaches cite: source.

Winooski: Just across the river, this "small city with big character" offers a trendy urban hub for young professionals cite: source.

Burlington Mortgage FAQ

What is the property tax rate in Burlington for FY 2026?

For Fiscal Year 2026, the total Homestead property tax rate is approximately $2.11 per $100 of assessed value cite: source.

What are the VHFA income limits for Chittenden County?

As of 2026, the 100% Area Median Income (AMI) for a two-person household in Burlington is approximately $103,900 cite: source.

Can I use a USDA loan in Burlington?

While the city proper is generally ineligible, many nearby areas in Chittenden and Addison counties qualify for 0% down USDA financing cite: source.

Find Your Place in the Green Mountains

Connect with our Burlington consultants and secure your Vermont home cite: source.

Apply Now / Get Pre-Qualified cite: source
Contact The Smith Mortgage Group

Contact The Smith Mortgage Group

Sterling Smith, VP & Branch Manager

Phone: 931-205-9873

Email: sterling.smith@fcmhomeloans.com

Address: 605 Delray Street, Shelbyville, TN 37160

Serving all 50 states with specialized expertise in Alabama mortgage markets.

What Our Clients Say

Our happy clients share their experiences with us.
“Working with The Smith Mortgage Group made the home-buying process seamless. Their team was professional and supportive every step of the way!”
Jessica R.
Jessica R.
“The Smith Mortgage Group helped me understand my options clearly. Their guidance was invaluable in securing my first home!”
Mark T.
Mark T.
“Thanks to The Smith Mortgage Group, I felt empowered throughout my mortgage journey. Their expertise made all the difference!”
Lisa K.
Lisa K.
“I appreciated the transparency in the entire process. The team was always available to answer my questions and provide support.”
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Brian H.
Areas We Serve - The Smith Mortgage Group

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Smith Mortgage Group - Services
Our Services

Every Dream Home Deserves the Right Mortgage

Flexible loan programs designed to fit your unique situation

🏡

Conventional Mortgages

Traditional 15-year and 30-year fixed-rate mortgages with competitive rates and flexible down payment options.

  • 5% - 20% down payment
  • Fixed & adjustable rates
  • Rate locks up to 60 days
  • Quick pre-approval
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🎯

FHA Loans

Perfect for first-time homebuyers with as low as 3.5% down payment and flexible credit requirements.

  • 3.5% minimum down
  • Lower credit score OK
  • Mortgage insurance included
  • Gift funds allowed
Learn More
🎖️

VA Loans

Exclusive benefits for veterans, active military, and surviving spouses with zero down payment required.

  • 0% down payment
  • No PMI required
  • Competitive rates
  • Lifetime eligibility
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🌾

USDA Loans

Zero down payment options for rural and suburban homebuyers in eligible areas.

  • 0% down payment
  • No PMI required
  • Favorable rural rates
  • Income limits apply
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💎

Jumbo Mortgages

Financing for high-value properties exceeding conventional loan limits with competitive rates.

  • Luxury home financing
  • Competitive jumbo rates
  • 10-20% down typical
  • Expert guidance
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🔄

Refinancing

Lower your payments, access equity, or switch loan types with our streamlined refinance process.

  • Lower monthly payments
  • Cash-out options
  • No appraisal options
  • Fast processing
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🏗️

Construction Loans

Financing for homeowners building new homes or undertaking major renovations with interest-only payments during construction.

  • Interest-only during construction
  • Automatic conversion to permanent
  • Inspections tied to disbursement
  • Expert project coordination
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🏢

Investment Property

Specialized financing for real estate investors purchasing rental properties, fix-and-flips, and multi-unit properties.

  • Portfolio lending options
  • Flexible qualification
  • Rapid funding for deals
  • Investment strategy guidance
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🔍

Specialized Programs

Credit challenged loans, bank statement programs, and non-traditional income verification for unique borrower situations.

  • Alternative income documentation
  • Non-traditional credit evaluation
  • Self-employed solutions
  • Flexible qualification
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🤝

Mortgage Consulting

Expert advice on loan selection, rate shopping, financial planning for homeownership, and refinancing strategies.

  • Personalized loan recommendations
  • Financial planning consultation
  • Rate comparison analysis
  • Pre-approval guidance
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Discover the full range of our mortgage services and find the perfect option for your home financing needs.

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Mortgage Insights & Homeowner Resources

Navigating the real estate market requires expert knowledge and up-to-date information. Our educational hub is designed to empower you with essential guides, covering everything from first-time homebuyer tips and refinancing strategies to the latest market updates and mortgage industry news. Whether you are planning to purchase an investment property or simply want to understand mortgage rates today, our resources provide the clarity you need to make confident financial decisions