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VTLast updated: 2026-01
Vermont Regulations
Comprehensive guide to seller financing laws, usury limits, and disclosure requirements in Vermont.
Maximum Interest Rate
12%
Business exemptions may apply
Usury Laws
Interest rate limits and penalties
Maximum Rate
12%
Penalty Type
Forfeiture of interest
Notes
General usury limit is 12%. Licensed lenders may have different limits.
Business Exemption
Business and commercial loans are exempt.
Seller Financing Requirements
Disclosures, licensing, and restrictions
Required Disclosures
- Property Transfer Tax Returns
- Lead-based paint disclosure (pre-1978)
Licensing Required
No license required
No license required for seller financing own property.
Consumer Protection
Applicable laws protecting buyers
- Vermont Consumer Protection Act
Real Estate Specifics
Foreclosure process and property laws
- Mortgage state (strict judicial foreclosure)
- 6-month redemption period
- Deficiency judgments may be limited
Legal Disclaimer
This information about Vermont regulations is provided for educational purposes only and does not constitute legal or tax advice. Laws change frequently and vary by county and municipality. Always verify current regulations with a licensed Vermont attorney before entering into any seller financing arrangement.