Lisa DiBernardo 802.689.0904
 
 

home is
where important
things happen

 
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Why First Choice Mortgage?

There are many ways to find financing for your home. However, most lending is done through a bank or other institution that has a limited set of mortgages. FIRST CHOICE MORTGAGE is a mortgage broker which means we have wholesale mortgage companies as lending resources and can create the right mortgage for you rather than pushing you into a mortgage we offer. This way, we can get you what you need, when you need it, and with the best deal available.

It all starts with a conversation.

Your home is the biggest investment you will make. Such a big and complex 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 much of the 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 meeting is going to be filled with answering your questions and starting a process that will lead to your front door. Let’s start with where you are coming from, where you are now, and where you want to go.  

Just like every relationship, it starts with a conversation—first home, next home, or refinancing your current home.

 

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I have the greatest job in the world

I help people make their dreams come true. Homeownership is simply a different kind of purchase. It is an investment in who you are and who you will be. Being your partner in buying a house is work that I take very seriously because it is more than a building—it’s a home. I’ve done this for over 25 years and it never gets old and no two clients are ever the same. I’m licensed in Vermont, Connecticut, and New Hampshire. I love New England and it’s an endless thrill to welcome my clients to their new homes. Contact me and let's get started: 802-689-0904 or ldibernardo@firstchoicemortgage.biz

Name *
Name
Lisa DiBernardo  NMLS # 103744  Licensed Mortgage Broker in VT, NH & CT.  NMLS # 70986/1631363 CT Dept of Banking. NH & VT Licensed Mortgage Broker. NOT A LENDER OR CORRESPONDENT MORTGAGE LENDER. NH Licensed Mortgage Broker # 22433-MBR &  Florida Dept of Financial Service. Verify our licenses at  www.NMLSConsumeraccess.org ”  NMLS #70986/1631363.

Lisa DiBernardo  NMLS # 103744

Licensed Mortgage Broker in VT, NH & CT.  NMLS # 70986/1631363 CT Dept of Banking. NH & VT Licensed Mortgage Broker. NOT A LENDER OR CORRESPONDENT MORTGAGE LENDER. NH Licensed Mortgage Broker # 22433-MBR &  Florida Dept of Financial Service. Verify our licenses at www.NMLSConsumeraccess.org”  NMLS #70986/1631363.

CLIENT VOICES 

Lisa was a joy! She was extremely helpful in finding the right loan for us. She was quick to respond to all of our questions and worked tirelessly to make sure everything went smoothly. We definitely recommend her to anyone looking to purchase a home.
— PUTNEY, VT
I have purchased a number of houses in the past and working with Lisa was just wonderful. She works hard, is engaging, as well as being genuinely nice. It was also surprising how quickly she got me a mortgage at a good rate. Always willing to talk about details and concerns. Thanks!
— WILMINGTON, VT
Lisa made the entire mortgage experience wholly stress-free, from the beginning to the end of a rather long process - which is saying a lot! It was unqualifiedly a great pleasure to work with her. We know that we were very lucky work with her, and we recommend her wholeheartedly.
— JAMAICA, VT
My husband and I worked with Lisa this past year to purchase a home in Vermont. Due to work needing to be done in the home the process was much longer and more difficult than we had anticipated. Lisa guided us through the process wonderfully. She is a consummate professional...always responsive and helpful. We highly recommend Lisa.
— DOVER, VT
My mortgage was complicated and the process was exhausting. Lisa supported and guided me through it, with endless patience, good humor, and real expertise. I couldn’t have done it without her! My highest praise goes to Lisa, and her knowledge and creative capacity to talk me off the ledge when the process got me down, Kudos, Lisa, and thank you!
— Brattleboro, VT
I cannot say enough good things about Lisa DiBernardo at First Choice Mortgage in Brattleboro. This was my husband’s and my third time buying a home and the first two experiences were MISERABLE. With those experiences, there were delays, last minute changes, missed deadlines, poor communication and many, many tears, (on my end. With Lisa, however, things were smooth from start to finish. She explained every part of the process clearly and there were absolutely no surprises along the way. She was kind, compassionate, professional and an excellent listener.
— BRATTLEBORO, VT
The woman is an absolute rockstar. She really put work in on our behalf, kept us focused, and was extremely organized. Thank you, Lisa!
— NEWFANE, VT
Lisa made the entire mortgage experience wholly stress-free, from the beginning to the end of a rather long process - which is saying a lot! It was unqualifiedly a great pleasure to work with her. We know that we were very lucky work with her, and we recommend her wholeheartedly.
— Jamaica, VT


there's a lot to know and this is 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. 

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: Loans over $453,100 Our Programs allow Jumbo financing with Conforming Rates and only 10% Down.

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:  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.

With Lender Paid or Borrower Paid MI (mortgage insurance) and the ability to waive escrow requirements on many loans, we have flexibility with finding the best program with the lowest monthly payment.

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Licensed Mortgage Broker in VT, NH & CT.  NMLS # 70986/1631363 CT Dept. of Banking. NH & VT Licensed Mortgage Broker. NOT A LENDER OR CORRESPONDENT MORTGAGE LENDER. NH Licensed Mortgage Broker # 22433-MBR &  Florida Dept. of Financial Service. Verify our licenses at www.NMLSConsumeraccess.org”  NMLS #70986/1631363.