Do you currently have a VHFA loan?

All VHFA mortgages are serviced by one of the institutions listed below or by your original lender.  If you need assistance determining who to speak to regarding your loan, please contact us at 1-800-339-5866.


If your loan is serviced by VHFA, and you send your payments to our payment processing box in Dallas, TX, read more about more about payment options or call 1-855-582-0226.

A small number of loans are serviced by VHFA staff in our Burlington office. If you believe your loan is serviced directly by VHFA in Burlington, VT, please contact us at 1-800-339-5866.

Bank or Credit Union

Your VHFA loan may be serviced by the bank or credit union that originated your loan. In this case, contact them for information and questions about your loan.

U.S. Bank

If you bought your home with a VHFA loan since January 2009, your mortgage is likely serviced by U.S. Bank National Association. If U.S. Bank services your mortgage, please contact them directly at 1-800-365-7772 or visit

Want to refinance your VHFA loan?

VHFA does not offer refinance options. If you want to refinance your mortgage, you will need to contact a lending organization that offers refinance opportunities.

VHFA Privacy Notice

Our Privacy Notice describes VHFA’s practices for handling your personal information and the steps we take to protect it. Read our Privacy Notice here.  To have the VHFA Privacy Notice mailed to you, please call 1-802-864-5743 or 1-800-339-5866 and ask for the Servicing Department; or email [email protected].

Vermont Homeowner Assistance Program

If you experienced a COVID-related hardship and are having trouble paying your mortgage or related expenses, you may be eligible for the Vermont Homeowner Assistance Program. In addition to mortgage payments, this program helps eligible homeowners with overdue property taxes, association fees and utility bills.