You are about to leave Merchants Bank.

Back Continue

Home Lending Center

Today's Featured Rates

Click on Rate or APR for payment information.

20 Year Fixed Bi-Weekly with Auto-Pay
 Rate  APR  
 4.200%  4.219%  
15 Year Fixed Auto-Pay
 Rate  APR  
 3.600%  3.634%  
10 Year Fixed Auto-Pay
 Rate  APR  
 3.450%  3.499%  
1-Year Auto-Pay ARM with 15-Year Term
 Rate  APR  
 1.375%  1.407%  
1-Year Auto-Pay ARM with 10-Year Term
 Rate  APR  
 1.375%  1.422%  
3-1 ARM with 15-Year Term
 Rate  APR  
 2.125%  1.685%  
3-1 ARM with 10-Year Term
 Rate  APR  
 2.000%  1.746%  
Home Equity
15 Year Fixed HE Loan
 Rate  APR  
 5.000%  5.000%  

Personalized Quote

What to Expect

Find out how the online application process works »

Free Pre-approvals

Shop for your home knowing that you can afford the mortgage. Apply now »

Personal Assistance

Call or email one of our experienced lenders to answer any of your questions, help you choose the best loan for your situation, or simply to seek lending advice.

Great Rates

Today's Featured Rates include only some of the rate options available for conventional mortgages up to $417,000. Merchants Bank also offers great rates on Jumbo mortgages up to $700,000. Get a Personalized Quote to request a rate specific to your loan request.

Mortgage Resources

Use our Mortgage Resources to calculate your monthly payment, learn more about our loan programs, rates and fees, and to find answers to frequently asked questions.


Our range of residential mortgages are maintained and serviced in-house-keeping our Vermont economy healthier. Check today’s rates and get started.

Small Business

From lines of credit and cash back checking accounts to cash management and local decision making on loans. Learn more.

Bi-Weekly Mortgages

Make one half of your monthly mortgage payment every two weeks and you reduce your principal, interest paid and length of repayment. Learn more.