Introducing A New Era of Residential Mortgages
Expanded offerings. Personalized support. A mortgage experience that puts YOU first.
At Champlain National Bank, we’re deeply rooted in the communities we serve. That’s why we’ve expanded our mortgage offerings, including a full suite of secondary market offerings to give you more solutions, faster decisions, and a mortgage experience built around you.
From application to closing, we keep the process simple, clear, and personal. No guesswork. No runaround. Whether you’re buying, refinancing, or exploring your options, we want to earn your business by delivering competitive rates and expert guidance.
Apply now and start your journey to today!
Home Purchase Mortgages
Your next home deserves a mortgage that fits your needs. Whether you’re buying your first home, upgrading to the forever home, or exploring a vacation home or investment property, our experienced origination staff will guide you every step of the way. With options for 1–4 family homes, condos, townhouses, and manufactured homes, we help make your homeownership goals a reality.
A few of the affordable programs we offer for primary residence purchases include:
- Home Possible® – Low down payments, flexible credit for low- to moderate-income borrowers.
- HomeReady® – Affordable financing with reduced mortgage insurance.
- USDA Loans – Low- or no-down-payment loans for eligible rural/suburban buyers.
- FHA Loans – Government-backed with flexible credit and low down payments.
- VA Loans – Zero-down financing for eligible veterans, active-duty service members, and surviving spouses.
Renovation Mortgages
Turn just about any house into your dream home! Renovation loans allow you to finance both your home purchase and the improvements you’ve been dreaming about. From updating kitchens and bathrooms to major home transformations, we offer programs that make it easy to create a space that’s truly yours.
- HomeStyle® Renovation combines your home purchase and renovation costs into a single mortgage, making it easier to create the home you’ve always wanted. From minor updates to major transformations, this flexible program lets you customize your primary residence, second home, or investment property.
- FHA 203(k) loan helps you finance both your home purchase and needed renovations with a low down payment. Perfect for fixer-uppers, it allows you to make structural, cosmetic, and energy-efficient improvements.
Bridge Loans
Move forward without missing a step. Bridge loans give you the flexibility to purchase your next home before selling your current one. It’s a short-term solution designed to help you transition smoothly, avoid rushed decisions, and secure the home you want when you want it.
Jumbo Loans
Jumbo loans are designed for homes that exceed conventional loan limits, giving you the flexibility to finance high-value properties including vacation homes, and investment properties.
Refinancing
Make your mortgage work for you! Refinancing can help you reduce your rate, shorten your term, or access your home’s equity. We focus on simplifying the process and finding solutions that match your goals, so you can take the next step with confidence.
Home Equity
A fixed-rate, lump-sum option to access your home’s value. Use the proceeds for renovations, debt consolidation, or other financial goals.