Working with us is as easy as Vermont apple pie and a scoop of vanilla ice cream

Without a local partner you can trust, getting a mortgage is a lot of work! That’s where we come in. When you partner with the BS&L lending team, you’ve got the local people and the online mortgage tools to make the process seem easy.

We’ll work to get you the best rate available, supporting you in person and with our convenient online experience. We’ll know we did our job when you’re settled into your new home and you feel like it was simple!

FIXED RATE MORTGAGES

This loan provides you with certainty that your rate and monthly payment will stay the same for the life of your mortgage, which makes budgeting easier.

ADJUSTABLE RATE MORTGAGES (ARMs)

Arms offer lower initial rates and monthly payments, and may be ideal if you’re not planning to stay in your home for the long-term. The rate can go up or down so future payments can change.

LAND LOANS

Found your dream location to build your future home. Our land loans are a simple solution to the start of your dream.

CONSTRUCTION FINANCING

If you’re building your dream home instead of buying, we offer 12 month interest-only construction loans.

Refinancing options available with BS&L or another lender

Renovation programs for smaller-scale construction needs

HOME EQUITY LINE OF CREDIT

If you already own your home, you can tap into your equity in the home to pay for renovations and improvements at very attractive rates, and leave your current first mortgage in place.

JUMBO MORTGAGES

These loans are tailor-made for those who like to live life large. We have competitive rates on jumbo size mortgages; ask us today if this option might be right for you!

USDA MORTGAGES

United States Department of Agricultural (USDA) offers up to 100% financing and BS&L is proud to be one of their approved lenders to offer you their generous programs.

FINANCING OPTIONS