Vermont's Trusted Hard Money Lender for Real Estate Investors

Vermont has one of the tightest housing markets in New England. Much of the housing stock is old, new construction is limited, and demand from remote workers, ski-town buyers, and students keeps inventory low. For investors, that means steady demand for renovated homes and quality rentals.

Unitas Funding offers Vermont investors fix-and-flip, new construction, bridge, and DSCR rental loans. Green Mountain State investors can finance up to 92.5% of project cost at rates from 8.99%, with $4.5 billion in funded loans behind every deal.

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Fast, Reliable Capital for Your Next Vermont Deal

When inventory is this low, the investor who can close quickly usually wins. Unitas pre-approves in 24 hours and closes most loans in about 10 business days.

Fix & Flip Loans

Fix & Flip Loans

Farmhouses, Victorians, and older multifamily homes in Burlington, Rutland, and smaller towns are strong renovation candidates. Unitas funds purchase and rehab together, with 12-, 18-, or 24-month interest-only terms.

 

 

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New Construction Loans

New Construction Loans

Vermont needs more housing, especially around Chittenden County. Our construction loans fund the full build, with draws released in 24–48 hours to make the most of a short season.

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Bridge Loans

Bridge Loans

Need to buy a Vermont property before your current one sells? A Unitas bridge loan lets you secure it now.

 

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DSCR Loans

DSCR Loans for Rental Properties

The University of Vermont, UVM Medical Center, and ski resorts like Stowe and Killington support year-round and seasonal rental demand. Our DSCR loans qualify on the property's rental income.

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What Makes Unitas Different in Vermont

  1. Experience With Older Homes
    We understand older New England construction, from stone foundations to outdated systems, and we fund the work it takes to bring them up to date.

  2. Direct Lender Speed
    Unitas decides in-house, which matters in a market where homes sell quickly.
  3. Draws for a Short Season
    Draws funded in 24–48 hours help Vermont builders finish before snow arrives.

  4. Strong Capital Base
    $4.5 billion funded means Unitas is ready to support your Vermont projects.

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Get Pre-Approved in 24 Hours
Have a Vermont property under contract? Send us the details and get a pre-approval in 24 hours.

Frequently Asked Questions

How quickly can Unitas close a loan in Vermont?

Most Vermont loans close within 10 business days of a complete application.

Does Unitas finance older farmhouses and multifamily homes?

Yes. We fund renovations of older single-family and multifamily homes across Vermont.

 

What leverage does Unitas offer in Vermont?

Qualified investors can finance up to 92.5% of total project cost.

Can I use a DSCR loan for a Vermont ski-town rental?

Yes. Our DSCR loans qualify the property on its rental income. We review local rental rules during underwriting.

Which Vermont cities and towns does Unitas serve?

We lend statewide, including Burlington, South Burlington, Essex, Rutland, Montpelier, Barre, Stowe, and Brattleboro.

Ready to Fund Your Next Vermont Real Estate Investment?

Unitas Funding gives Vermont investors fast, dependable capital in one of New England's tightest housing markets. From Burlington multifamily renovations to new homes in Chittenden County, we fund projects across the state. Contact us today to discuss your next Vermont investment.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.