Vermont Mortgage Creditor Checklist is a document used by mortgage lenders to ensure they are meeting all the requirements necessary for a mortgage loan in the state of Vermont. The checklist includes items such as verification of the borrower’s creditworthiness, an appraisal of the property, verification of the borrower’s ability to repay the loan, and compliance with state and federal laws. There are two types of Vermont Mortgage Creditor Checklist: Standard and High Risk. The Standard checklist is used for most mortgage loans, while the High Risk checklist is used for loans considered to be a higher risk due to certain underlying factors, such as a lower credit score.