Homeownership Director

Vermont Housing Finance Agency; Burlington (VT); Hybrid; USD 120,000 - 180,000; Full time

Benefits offered by this job

Medical, dental, vision coverage

Education assistance

Parking reimbursement

Hybrid office environment

Paid time off

Job summary

Vermont Housing Finance Agency (VHFA) seeks an experienced Homeownership Director to lead the Homeownership Department, oversee loan originations, pricing, and product strategy, and strengthen lender partnerships. You will drive policy development, ensure compliance, manage risk, and deliver a high-quality borrower experience.

As a member of the Executive Leadership Team, you will guide a team, use data-driven processes, and translate VHFA priorities into measurable goals for affordability,

Qualifications

• Bachelor’s degree and at least 10 years of relevant experience in mortgage lending, housing finance, or related programs.
• Ability to translate priorities into measurable goals and allocate resources effectively.
• Experience balancing mission, customer needs, market conditions, compliance, and financial considerations.
• Strong leadership, communication, and relationship-building with lenders and partners.
• Proficiency with data systems and digital tools to improve quality and decision-making.

Responsibilities

• Expand Sustainable Homeownership: broaden loan production while advancing VHFA’s mission.
• Lead Product and Pricing Strategy: maintain competitive offerings aligned with market and agency capacity.
• Shape Programs and Policy: define a forward-looking homeownership strategy with measurable goals.
• Deliver a Strong Customer and Lender Experience: ensure consistent service from engagement to loan purchase/servicing transfer.
• Strengthen Partnerships: maintain relationships with lenders, servicer, GSEs, and other partners.
• Protect Program Integrity: ensure compliance and robust data, controls, and reporting.

Skills

Mortgage leadership

Strategic thinking

Financial analysis

Risk management

Leadership

Data systems

Values alignment

Education

Bachelor’s degree

Tools

Microsoft Outlook

Excel

Word

Job description

Description

VHFA is seeking an experienced mortgage professional to help us grow our business, lead our Homeownership Department team, and support our network of participating lenders.

At the Vermont Housing Finance Agency (VHFA), we are on a mission to ensure all Vermonters have access to affordable housing. We are seeking a Homeownership Director to provide strategic leadership for programs that help eligible Vermonters achieve sustainable homeownership. Serving on the Executive Leadership Team, you will oversee loan originations, pricing and product strategy, program and policy development, partner relationships, compliance, reporting, pipeline management, and risk. You will lead an accountable team and use reliable data, established processes, and stakeholder input to improve performance, protect program integrity, and deliver a consistent, high-quality experience for borrowers and participating lenders.

The Impact You’ll Make

• Expand Sustainable Homeownership: Achieve responsible loan production and market reach that expand access for eligible Vermonters while meeting VHFA’s mission and financial objectives.
• Lead Product and Pricing Strategy: Maintain competitive products and pricing that balance borrower affordability, market conditions, program sustainability, and Agency financial capacity.
• Shape Programs and Policy: Translate Agency priorities into a forward-looking homeownership strategy with measurable goals for affordability, access, production, revenue, and customer outcomes.
• Deliver a Strong Customer and Lender Experience: Ensure borrowers and participating lenders receive consistent, accessible, and high-quality service from initial engagement through loan purchase and servicing transfer.
• Strengthen Partnerships: Sustain effective relationships with participating lenders, the master servicer, government-sponsored enterprises, and other partners essential to successful loan delivery.
• Protect Program Integrity: Ensure compliance with applicable federal, state, investor, insurer, funding-source, and Agency requirements; maintain reliable data, documentation, controls, procedures, and reporting; and identify risks early.
• Manage an Accountable Team: Translate strategy into clear priorities and results, supervise and develop the homeownership team, use technology and information effectively, and connect daily execution to VHFA’s long-term goals.

Work Environment & Flexibility

This position offers a hybrid work schedule. You will work in our collaborative Burlington office environment and remotely as coordinated with your supervisor once trained, with a minimum of 2 days per week in the office and in-person presence required for key Agency meetings and other business needs. A valid Vermont driver’s license and reliable transportation are required for work-related travel; VHFA provides free Car Share membership for eligible business travel.

The Perks

• A comprehensive benefits package including medical, dental, and vision coverage for you and the family or optional buy-out plan
• Flexible Spending Account & Dependent Care Account
• Company-sponsored Short and Long-Term Disability
• Company-sponsored Life Insurance
• The company pays 10% of your salary to a 403(b), regardless of your contribution
• Up to $4,000 educational assistance
• Employee Assistance Program
• Combined Time Off & Holiday Pay
• Up to 6 weeks of paid time off for parental and family leave
• Parking Reimbursement for designated lots
• Free Car Share membership for work-related travel
• 403b Savings Account & 457 Retirement Plan

Requirements

What You Bring to the Table

• Education and Experience: Bachelor’s degree plus at least 10 years of relevant experience.
• Homeownership and Housing Finance Leadership: Significant experience leading mortgage lending, housing finance, financial services, or related programs, with the judgment to balance mission, customer, market, compliance, and financial considerations.
• Strategic and Financial Reasoning: Ability to translate organizational priorities into measurable goals, evaluate pricing and product options, interpret financial and operational information, and allocate resources effectively.
• Compliance and Risk Management: Experience maintaining reliable controls, documentation, procedures, and reporting and identifying compliance, operational, counterparty, and portfolio risks.
• Leadership and Collaboration: Demonstrated ability to lead accountable teams, coach and develop staff, communicate clearly, manage competing priorities, and build effective relationships with lenders and other partners.
• Systems and Technology: Proficiency in Microsoft Outlook, Excel, and Word, with the ability to use data systems and digital tools to improve quality, efficiency, and decision-making.
• Values Alignment: Consistent commitment to VHFA’s values of integrity, effectiveness, and impact.