Home Purchase

It's a buyer's market! What are you waiting for?

• First-time home buyers:
  Learn everything you need to know about buying your first home and the Vermont mortgage financing process.

• You're moving and will be buying a new home:

  Get approved before you start house hunting and close quickly on your new home.

• You're buying a second home:

  We offer very competitive rates & low down payment requirements.

• You're a buying an investment property:

  Choose from several loans for your rental property.

Pre-Approval Gives You More Bargaining Leverage

• When bidding on a home, a pre-approval from The Mortgage Guy gives you more leverage. The sellers and their agent will give your offer greater consideration because you already have your financing approved.
• You'll have peace of mind knowing what you can truly afford. You won't waste time looking at homes outside your price range, and you'll know exactly what your monthly payments will be, plus total closing costs & cash needed for closing.
• You can close much sooner — another bargaining chip!
• To take full advantage of my free pre-approval program, please complete an Online Application today.

Need Help Choosing a Realtor?

• The Mortgage Guy can help you by matching you with a Realtor in your area, at no cost to you.
• I have a network of experienced, reliable agents who will put your needs first.
• We'll work hand-in-hand with your Realtor (without compromising your confidentiality) to ensure hassle-free home buying!
• For the referral of an experienced realtor, please contact me today.

Get a Home Loan With Little or No Money Down!

• The Mortgage Guy's exclusive Vermont mortgages allow you to buy a home with only a 3% down payment needed. In many cases, that down payment can be gifted from a family member.
• Add in up to 6% seller concessions and you could come to the closing table with no money out of pocket. Ask me how!

Looking for a new property?

First, Get Pre-Approved by filling out our Online Application.

Second, Fax, email, mail or drop off the documentation needed to process the loan. Your loan will be approved subject to the appraisal, title inspection, and an executed purchase and sale contract.

Third, Receive a Trusted Pre-Approval certificate along with a good faith estimate detailing settlement charges and monthly payments. These documents will be mailed or emailed to you, and then you can begin shopping for your new home. Get Pre-Approved Now!

Already found a property?

First, forward a copy of your purchase contract to Nick Parent at The Mortgage Guy. Lock in your interest rate on the mortgage product of your choice. If you are not already pre-approved by The Mortgage Guy, please fill out our Online Application first.

Second, I will send the loan documents to you for your review and signatures, or we can schedule an appointment for you to come to my office. Spruce Mortgage will order an appraisal of your new property and arrange for you to close your loan in an attorney or title company's office — convenient to you and the seller.

Contact us today!