Simplified Home Loans

With over 30 years of experience helping thousands of families, we work efficiently to help make a complex process easier for you.

I help people make their dreams come true

I’m here to help you build a mortgage plan that compliments your financial situation, allowing you to invest in a home, and not feel burdened by the decisions you make to get there. My business is a referral-based business that relies on positive word-of-mouth from my clients and business partners to aid in our success. My strong relationships with many lending partners allows me to find YOU the best loan terms possible so you feel secure in your home financing decision.

Why Vermont Mortgage Group LLC?

There are many ways to find financing for your home. Vermont Mortgage Group LLC is a mortgage broker which means we have wholesale mortgage companies as lending resources. Our proven track record and quality loan production has helped build exceptional relationships with lending partners. These relationships have been built on the foundation of trust, integrity and excellent business practices.

This way, we can get you what you need, when you need it, and with the best terms available.

It all starts with a conversation

Your home is the biggest investment you will make. Such a large investment requires someone who is looking out just for you throughout the process. I am that ally for my clients—taking the mystery, uncertainty, and risk out of buying your home.

I start with you. We’ll talk about how much you can comfortably afford as well as the kind of home you are looking for. Even more, we will explore your long term financial goals and how your home will play a part in that.

Our first conversation is going to be filled with answering your questions and starting a process that will lead to your front door.

Individual licensed mortgage broker: Melisa DiBernardo, NMLS #103744

Not a Lender or Correspondent Mortgage Lender. Vermont Mortgage Group LLC, NMLS # 2551442

Verify Licenses at https://nmlsconsumeraccess.org

Anthony Wargo

October 24, 2023

Lisa is so knowledgeable of the many options available to find the best avenue to pursue the necessary financing in our journey to finding a home in Wilmington.

Meaghan Connor

October 15, 2023

Lisa was a joy to work with as a first time home buyer. She kept me in the loop and was great at explaining the steps of the process as it unfolded before us. Thankful to have her on my team!

Tim Copeland

October 13, 2023

Lisa is a first-rate mortgage broker. She guided us through a very challenging, time-sensitive closing, overcoming several obstacles along the way. She is prompt, responsive and the consummate professional. I give Lisa my highest recommendation.

heather gleim

October 22, 2022

Lisa Dibernardo was my mortgage broker for the purchase of a vacation home. She worked hard to ensure we got the best rate possible, she was always very responsive, and I highly recommend her!

Deanna Wagner

October 19, 2022

Lisa DiBernardo was amazing! Her response time to emails and phone calls was top notch and she was always willing to explain each step of the home buying process. I’d highly recommend using her services!

Edgar Cortes

July 5, 2022

Lisa helped us purchase our first house, a daunting task that would have been all the more complicated and stressful had we not had Lisa guiding us along the way. We are so grateful for the time she spent explaining the steps in the process; patiently and clearly answering all of our questions without making us feel naive or ignorant. We would highly recommend that other home buyers (experienced or not) utilize her services!

Chris Brown

April 29, 2022

Lisa was amazing to work with on this project. She was extremely attentive to details and she had a general interest in our situation. She communicated with us and all parties involved at every step of the process. She was always willing to answer questions and lead us in the right direction. Strongly recommend!

Erica Johnson

February 15, 2022

Lisa was truly an asset to our house buying experience. In the midst of the crazy housing market, she was a calming, informative and kind presence. She secured a great rate, monitored our progress through the application process, prompted us when items were due, and collaborated professionally with our real estate agent and real estate lawyer. I highly recommend you give her a call.

Paul Beane

January 13, 2022

Lisa DiBernado is an amazing professional! She excels in her ability to see the process through completion. During these uncertain times, you need to rely on someone you can trust and work together as a team from start to finish. Lisa fits the bill! Thanks Lisa!

Jacob Cooper

October 21, 2021

Lisa was incredibly helpful, taking the time both to talk me through the process as a first-time homebuyer and getting me successfully through the finish line. Highly recommended!

There's a lot to know but don't worry, here's a good place to start!

I’m very happy to explain everything to you—that’s part of what I do. If you want to get up to speed with some terminology, here are some common ideas.

Land Loans:

purchasing or refinancing land? We have you covered with a land loan program to purchase or refinance open land, or for land development (land you are planning on building on).
This 15 year term is a fixed-rate loan and down payments range from 25% - 35%.

Bank Statement Loan (Alt Income):

perfect for the self-employed or 1099 borrower for purchase or refinance of 1-4 unit primary residence, or investment property and 1 unit second home. Loans from $100,000 to $2 million.
12 - 24 months of bank statements are provided to the Lender where Underwriting reviews and determines the qualifying business deposits that will be utilized to calculate income.

DSCR (Debt Service Coverage Ratio) Loan:

for 1-4 unit Investment Property this loan does not require income verification. Instead the Lender calculates the rental income and monthly housing costs to qualify. Underwriters consider a number of factors to determine qualification including usage of funds, credit score of borrowers, number of units, gross rents and other.

Choice Reno Express Loan:

for a Purchase or No-Cash-out Refinance of a 1-4 unit conventional loan for Primary Residences, 1 unit second home or 1 unit investment property to finance renovation costs.

Fixed Rate Mortgage:

is a fully amortizing mortgage loan where the interest rate and payment remain the same through the life of the loan. Terms from 15-30 years.

Adjustable Rate Mortgage: (ARM)

this type of home loan features an interest rate that changes after a fixed amount of time.

Jumbo Loan:

from over $750,000.00 and higher in some areas, our Jumbo lenders provide competitive terms and down payment as low as 10%

FHA Loan:

make your home ownership dreams come true with an FHA loan. Featuring flexible credit restrictions and down payment options as low as 3.5%, an FHA loan is a popular type of loan for first-time home buyers.

FHA 203K Renovation Loan:

FHA 203K Renovation Loan: You want to buy a fixer-upper? No problem! With FHA's 203k renovation home loan you have that option.

VA home loan:

enjoy exclusive military benefits with a VA loan. If you are a veteran or an active-duty service member, a VA loan offers less restrictive credit guidelines and NO down payment.

Conventional 3% Down:

Home Ready & Home Possible programs for 1st time Buyers offer lower rates.

Get in touch

Send me your details and I’ll reach out to answer any questions you may have!