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Provides access to low-cost, flexible home ownership mortgage programs for individuals in need of affordable, low-interest mortgage financing. Program also offers a down payment assistance program for eligible first-time home buyers.

Provides loans that range from $5,000 to $20,000 at 3% amortized interest, and are available to businesses with less than 2 years of operating history. The loan term ranges between 24-60 months, with the option to defer payments for up to a year.

Offers low-interest loans of up to $20,000 for energy efficiency improvements and heating systems. Eligible projects include cold-climate heat pumps; central wood pellet heating systems; cord wood and pellet stoves; heat pump water heaters; solar hot water; and weatherization improvements. Health and safety measures and repairs needed for the efficiency improvement can constitute up to 50% of the total loan amount. Zero-percent interest financing is available for low to moderate-income approved applicants.

Provides loans and technical assistance for private, non-profit, home- and/or center-based child care providers, with a particular focus on support for early care and education programs that serve infants and toddlers, children from low and moderate income households, and children with special needs.

Offers a loan program that supports agricultural enterprises that directly support the expansion of the Vermont food system and increase the availability of local foods in Vermont.