Brenda Torpy to Step Down as CEO

Posted on Monday, July 20, 2020, by Chris Donnelly

The Champlain Housing Trust’s Board of Directors announced today that CEO Brenda Torpy will step down at the end of 2020 after leading the organization for nearly 30 years, and that current Chief Operating and Financial Officer Michael Monte will be hired as its next CEO beginning in January, 2021.

Torpy was a founding member of the organization over 35 years ago when she worked in the office of Mayor Bernie Sanders and its first Board President. In these roles she was trailblazer for a new type of affordable housing called a Community Land Trust, which grew locally and more recently, across the globe. CHT is the largest Community Land Trust in the world.

“When Brenda announced her decision to step down as CEO at the end of 2020, the Board of Directors of Champlain Housing Trust knew immediately what an important moment this was after her many years at the helm of CHT,” said Bob Robbins, President of the Board. “All of us recognize and our grateful for the tremendous contributions that she has made and continues to make to Vermont communities as an internationally recognized leader and advocate for affordable housing and social justice.”

When Torpy took over leadership of the organization in 1992, it had created almost 50 homes, mostly in Burlington. Today, CHT counts over 3,000 homes of all types throughout northwestern Vermont serving people experiencing homelessness, homes for people with special needs, affordable apartments for the working class, and a pioneering, shared equity homeownership program that removes financial hurdles for buyers while creating housing that is permanently affordable. 

It is this last program that helped earn CHT the United Nations World Habitat Award in 2008, and sparked the model’s spread internationally. 

“It’s been the honor of my life to build this organization as a leader in our communities and in the field of affordable housing. I’ve been fortunate to have an opportunity help to build the Community Land Trust movement across the US and in other countries – work that I look forward to continuing,” said Torpy. “I am thrilled that Michael will be here to continue advancing a lot of the work we’ve done together over more than three decades. Knowing how resilient the organization will continue to be under his leadership makes this transition easier.”

“Michael will help us build on Brenda’s visionary leadership and ensure a seamless change through uncertain times,” added Robbins. “His commitment to the mission of CHT, his long record of innovative achievement, his strong connections to our Vermont partners, and internal board and staff relationships, all convince us that he is the best leader to navigate this historic transition.”

“It’s an honor to be asked to lead the Champlain Housing Trust and build upon Brenda’s leadership,” said Monte. “It’s a challenge I look forward to tackling with the support and participation of the Board, our dedicated staff, our volunteers and this great community.”

The Champlain Housing Trust is a Community Land Trust that supports the people of northwest Vermont and strengthens their communities through the development and stewardship of permanently affordable homes and related community assets. Founded in 1984, it is the largest Community Land Trust in the country. Throughout Chittenden, Franklin and Grand Isle counties, CHT manages approximately 2,400 apartments, stewards 628 owner-occupied homes in its signature shared-equity program, offers homebuyer education and financial fitness counseling to more than 1,000 people annually, provides services to five housing cooperatives, and offers affordable energy efficiency and rehab loans.

New Programs to Help Struggling Vermonters with Housing Costs

Posted on Monday, July 13, 2020, by Chris Donnelly

Renters and homeowners who have lost income due to the public health emergency caused by the coronavirus pandemic can now apply for assistance under two new programs established by the State of Vermont.

Rental Housing Stabilization ProgramAll renters who have been impacted can seek support to help pay missed rental or mobile home lot payments. Information on how to apply and the rules of the program can be found on the Vermont State Housing Authority's website. CHT is reaching out directly with all of its own renters that we know who have missed rental payments to encourage them to apply. This is a first-come, first-serve program. Payments are made directly to landlords on behalf of rental households and come along with eviction protections. Applicants do not need to show proof of citizenship.

Mortgage Assistance ProgramHomeowners who have been impacted by the pandemic can apply for a mortgage assistance grant through the Vermont Housing Finance Agency. This program has income eligibility guidelines and has an enrollment period between now and August 31, with grants made for as much to three months of mortgage payments as resources allow after October 2, 2020. The grant amount awarded may not be as much as the full amount owed and the borrower is still responsible for outstanding payments. CHT is also reaching out to its homeowners to let them know of this opportunity

CHT advocated for these programs and encourages all impacted financially by the public health emergency to take advantage of them to provide you some economic relief. 

Statement on the Violence Against Black and Brown People

Posted on Thursday, June 04, 2020, by Chris Donnelly

The Champlain Housing Trust's Board of Directors passed the following resolution June 3rd:

WHEREAS George Floyd was killed by a police officer in Minneapolis, Minnesota which is just the latest act of violence against black and brown people in the United States; and 
WHEREAS racial inequality is rooted in our nation’s history of slavery and structurally maintained by public policy, and especially in housing and community development programs that have created and sustained segregation; and 
WHEREAS no place in America is free from our past and no place in America is safe for people of color; and
WHEREAS white privilege is real, and black lives matter; and 
WHEREAS the Champlain Housing Trust develops and stewards land and affordable housing for use by the community and one quarter of the residents in CHT homes are people of color; and 
NOW THEREFORE BE IT RESOLVED that the Champlain Housing Trust Board of Directors declares that we stand with the black and brown people of our country seeking justice. We mourn with them and we share their righteous anger and demands for justice. We commit CHT to working with others to create a future with equity at its core.

UPDATED: CHT Response to COVID-19

Posted on Saturday, April 18, 2020, by Chris Donnelly

[Update: Saturday, April 18, 2:30pm]

We hope you're safe and healthy, and managing okay under the circumstances. Life will slowly get back to normal, but it will take some time. Thank you for all you're doing to protect public health.

Below we have compiled a number of programs to help you. It is important for you to know what is available, but please be cautious about scams during this period as always.

With the first steps of loosening the Stay Home, Stay Safe order, you may start to see a little landscaping or outside work around your properties. This is a small step to return to some normalcy. There will be additional ones, but for now it is important that we continue to practice social distancing, wear masks in public, and wash hands regularly to keep us all safe.

As always, please reach out to your property manager if you need help.

[Update: Wednesday, April 15, 2:30pm]
We've launched a new Covid-19 Response Fund, as we didn’t have a budget for all of the costs associated in responding to the coronavirus, but in these times we’re not asking “how much does that cost?” We're prioritizing public health. 

Many of us have just received stimulus funding from the Federal CARES Act deposited in our bank accounts. Some of us will need this money to get by, or have a family member or friend who needs assistance.

If you are able, please consider supporting CHT with some of these funds. It is clear to us that everything we've expended to date – which is approaching $100,000 – won't be covered by federal funds. Our guiding purpose is to ensure that our most vulnerable neighbors, and all of us, stay safe. Please support us if you can.

[Update: Friday, April 3, 2:35pm]

A lot has transpired in the last couple of weeks and we wanted to update you on our efforts and thank you for your efforts in your own lives to adapt and make public health a priority. 
We know it’s a very difficult time. 

We just instituted a new electronic communication tool, and will continue to find ways to effectively communicate with you. We know at the forefront of your mind is your ability to make ends meet, including whether you can pay your rent.
We understand if you’ve lost employment and cannot pay your rent in April, May or even beyond. We won’t – and advocated that we couldn’t – initiate any eviction processes during this state of emergency and until people are back on their feet. It is helpful to hear from you so we may be effective advocate for your needs, so please be in touch with your property manager. 
We recently blocked off the playgrounds at some of our properties, and we’ll be instituting a “One Household at a Time” policy in elevators. We encourage you to restrict visitation to only those essential guests so prevent the spread of the virus. We are planning on opening up community gardens where we have them, though we will need people to continue to engage in social distancing and if public health needs dictate, we could take the action to close them.

All of our staff are continuing to provide service over the phone, video or email. We are here to help with your needs. 
If you have lost employment or income and are having a hard time making your mortgage, property tax or other payments, please be in touch – we can help you work through this difficult time. We will waive any late fees for missed lease or membership payments.
Tax Related Reminders: Every Vermont homeowner must file a Homestead Declaration (HS-122) every year – even if you are not required to file a Vermont Income Tax Return. The Homestead Declaration allows your city/town to charge you the lowest possible property tax rate. If someone else files your taxes, verify that this has been done. 
Also, if your household income is less than $140,000 you may also be eligible for a property tax rebate, but you will have to file a State of Vermont Property Tax Adjustment Form (HS-144) to apply.
Even though the deadline to file your income taxes has been extended, the State of Vermont encourages you to file now if you can.

[Tuesday, March 17, 9:30am]

A message for our tenants:

Your well-being and safety, and the health and safety of our staff, is of utmost importance to us in response to this public health emergency. We are writing to let you know of additional steps we have taken and ones that are in progress to keep you informed:

  • First, we have closed our offices to outside visitors to practice “social distancing” and installed an intercom system at 88 King Street. We are avoiding face-to-face meetings. Please call or email your property manager if you need to reach them.
  • If you need to drop off your rent payment or other paperwork, please use the mail slots at our offices or, better yet, put it in the mail or send an email. If you haven’t signed up to pay your rent online, you can do so from our website.
  • We are limiting maintenance responses to emergencies only. Please understand that we need to prioritize health and safety at this point. If you have an emergency need, call 861-3076.
  • If your job(s) or income has been impacted by the pandemic, please let us know. These are challenging times and we are here to support you. We are compiling a list of resources and will share those on our website as soon as possible. We will not initiate eviction if you cannot pay your rent because of the pandemic.
  • We are hoping to be able to communicate shortly by email or text message. Please stay tuned for this.
  • We have increased the number of times that we wipe down common areas, elevators, door handles, laundry rooms and other places in your building.
  • Lastly, please stay safe and make sure you wash your hands upon entering your apartment. Keep your hands away from your face, and practice social distancing. If you feel ill, please limit contact with others.

These are challenging times, but we want you to know that we are doing everything we can and we will keep you informed of our efforts.

[Saturday, March 14, 2020, 1:30pm]

CHT continues to monitor news reports and are working to implement best practices in response to COVID-19. Our staff’s safety and the safety of the people we work with is of utmost importance.

Starting sometime on Monday, we will be closing our doors to the public. All of our offices will be closed to visitors, and staff have been instructed to make alternative arrangements to carry out their business. Activities such as counseling appointments and meetings with tenants, among others, will all done by phone or video conference. Staff will be in touch with clients and residents to make arrangements.

An intercom should be in place at the front door at 88 King Street in Burlington on Monday.

We encourage any payments, submission of applications or other documents to be done through the mail, deposited in our mail slot or filed/paid electronically.

We will continue to refine our plans for essential functions and will communicate that in the coming days.

In the meantime, general guidance for both staff and the general public:

             Stay home if you’re sick, and if you have a fever, contact your medical provider.

             Avoid close contact with people who are sick.

             Avoid touching your eyes, nose and mouth.

             Wash hands often with soap and water for at least 20 seconds.

             Use an alcohol-based hand sanitizer if soap and water aren’t available.

             Routinely clean and disinfect frequently touched objects and surfaces.

             Cover your cough or sneeze with your sleeve or a tissue, not your hands.

Please stay safe.

[Thursday, March 12]

CHT continues to monitor the COVID-19 virus. We are regularly updating our procedures and protocols to insure our residents and staff are safe. Staff are being advised to monitor their own health and to take extra precautions. 

In our efforts to maintain a healthy environment for staff and residents, we ask that if you are feeling ill to please stay home and not come into our offices in Burlington, St. Albans, or at our properties. If you need to meet or speak to a staff person, please call and speak to that person over the phone.  

If you are a renter, there are options to pay your rent online through the resident portal, mail in your rent or drop it into one of our drop boxes.  

When you have a request for maintenance please let us know if you are ill and have any of the following symptoms so that our technicians can be prepared: fever, cough, or shortness of breath.  

We may get to the point where we are only responding to emergencies, such as no heat, no hot water, fire or leaking water.  If this happens, we will communicate that decision.  

And you may be tired of hearing it by now, but the emphasis on hand washing comes from the fact that the virus breaks down well in soap and water. Scrubbing for twenty seconds and keeping your hands away from your face as much as you can are important steps in stopping the spread of the virus.

Up to date information on the situation in Vermont can be found at the Vermont Department of Health's website.

Responding to Covid-19, Harbor Place Becomes Isolation Motel

Posted on Sunday, March 22, 2020, by Chris Donnelly

We provided the following message to residents of Shelburne yesterday (Saturday, March 21, 2020) via Front Porch Forum:

We have all heard that the most effective tool to stop the spread of the coronavirus is social distancing and washing hands. These prevention measures are virtually impossible for people living in a shelter, in an encampment, or on the streets. Without options for these prevention measures, we won't be able to effectively control the spread of COVID-19 anywhere, or do what's necessary to flatten the curve of those becoming sick.

Champlain Housing Trust is working with the State of Vermont and the UVM Medical Center to use the motel rooms at Harbor Place to provide isolation for those exhibiting symptoms of the virus, but not those who have tested positive. We are working with Town of Shelburne officials to address community concerns and protect public health.

Over the next week or so, the State will be establishing roughly 380 rooms across Vermont for people who are homeless and are exhibiting symptoms/presumptive positive cases, where hospital treatment is unnecessary but the individual needs to be isolated.

In addition, numerous Congregate Recovery Centers (CRC) will be established throughout the State. The CRC is a facility for medical respite/shelter for people who tested positive and/or are being released from the hospital for COVID-19 treatment. Harbor Place is NOT one of these centers, and any guests at Harbor Place testing positive for COVID-19 will be moved to a CRC or the Medical Center.

The sole purpose is to prevent the spread of the coronavirus more broadly.

What you should know: 

  1. Current guests are being relocated to other motels in the region by the State. 
  2. We are immediately prohibiting all visitors at Harbor Place 
  3. We are planning for food for guests. We are still figuring out the best way for the community to help with this effort. 
  4. We are adding security and fencing to help reinforce the need for guests to stay on site.

A more comprehensive management plan and protocols will be posted on our website and shared here in the next couple of days.

We understand that this may cause concern for some. Please know that we are responding quickly to this crisis because we fear by waiting we could see exactly what's happening in Italy now. This is a concerted effort, coordinated by the State, to prevent the virus from spreading further.

Opening of Garden Street Apartments in South Burlington Celebrated

Posted on Monday, January 13, 2020, by Chris Donnelly

New Apartments, Located Midway Between Al’s French Frys and
Healthy Living, Help New City Center Take Shape

South Burlington, Vermont – City and State leaders clipped the ribbon on 60 new apartments in South Burlington as part of a long-planned – and now coming to life – new City Center.

The apartments, named Garden Street Apartments, were developed by Snyder Braverman Development Company with an agreement to sell the building to the Champlain Housing Trust and Housing Vermont. The apartments will remain affordable forever.

“It’s great to be here halfway between Al’s French Frys and Healthy Living celebrating these new apartments,” said City Council President Helen Riehle. “We’ll keep getting together to celebrate the progress in City Center because this has taken a number of years, involving countless South Burlington residents, committees and boards, and all South Burlington tax payers. This new affordable housing another important step in the culmination of a long-dreamed center that will demonstrate and reflect the community’s inclusive values.”

Nearly a quarter of the funding for the development – $3.9 million – came from the proceeds from Housing for All revenue bond proposed by the Governor and enacted by the Legislature in 2017.

The apartments were built at the corner of Market Street, which was recently completed, and a yet-to-be constructed extension of Garden Street. “We’re so pleased to be able to provide new affordable housing options at this new vibrant center near amenities and jobs and in the core of the county,” added Brenda Torpy, CEO of Champlain Housing Trust. “We are especially appreciative of the people of South Burlington for pushing this vision and creating resources to make it happen.”

The City of South Burlington established one of only a few affordable housing trust funds in the State, and has contributed $150,000 in addition to sponsoring an application for state funds through the Vermont Community Development Program.

Other funders include NeighborWorks® America and the Vermont Housing & Conservation Board, which administers the Housing for All bond and also added federal HOME funds for the housing. The largest source, though, is the Low Income Housing Tax Credit Program, administered by the Vermont Housing Finance Agency. TD Bank is the investor providing $6.9 million in equity in exchange for the credits flowing from the development. VHFA also provided a construction loan for the project.

“Thanks to a great team and a superior location near jobs, transportation and services, we were able to raise private equity and public capital to create beautiful new homes for people who cannot otherwise afford to live in South Burlington, said Nancy Owens, President of Housing Vermont.  We’re excited to be part of an inclusive community project which offers economic stability and new opportunities for residents.”

People started moving into the 60 apartments in the last month. There are 26 one-bedroom, 20 two-bedroom, 11 three-bedroom, and three four-bedroom apartments. Rent includes heat and hot water, and are targeted to be affordable to wide range of incomes:

1BR apartments                            $713 to $1,080/month

2BR apartments                            $861 to $1,375/month

3BR apartments                            $990 to $1,750/month

4BR apartments                            $1,230 to $1,950/month

For more information on renting, visit the Champlain Housing Trust website at

Presentation: Could CLTs be the Answer to the Housing Crisis in the Global South?

Posted on Tuesday, November 05, 2019, by Chris Donnelly

CHT is excited to bring Dr. Theresa Williamson of Catalytic Communities to Burlington for a presentation and discussion on how the community land trust model is addressing housing insecurity in the favelas of Rio de Janeiro as part of our 35th anniversary celebration. The event will be at Contois Auditorium at Burlington’s City Hall from 7pm to 8:30 on Thursday, November 14. It is free to the public and all are welcome to attend. 

Her presentation, “Could Community Land Trusts be the Answer to the Housing Crisis in the Global South?”, draws and builds upon models developed here in Burlington and will be followed by a panel of guests including CHT’s Brenda Torpy; John Emmeus Davis who has traveled the world consulting on CLTs; and City Councilor Brian Pine, who was Burlington’s Housing Director for years.

The CLT model has shown itself to be resilient and adaptable, without ever losing its core tenets and clear objective: guaranteeing permanently affordable housing that builds community. With the price of land escalating worldwide and threatening people's access to shelter, Community Land Trusts are now being explored more than ever as a way to protect vulnerable communities. In Brazil, residents of the informal settlements knowns as favelas are considering and applying the CLT model after-the-fact.  In this talk specially developed for her visit to the Champlain Housing Trust, Dr. Williamson will present the historical realities and current struggles of Rio de Janeiro's favelas, and how a model so close to home may just offer a revolutionary solution to communities half a world away.

Theresa Williamson, Ph.D. is a city planner and founding executive director of Catalytic Communities (CatComm), an NGO working to support Rio de Janeiro’s favelas through asset-based community development. She is a longtime advocate for the recognition of the favelas’ heritage status and their residents’ right to be treated as equal citizens, has received numerous awards and has been published several times including four op-eds in The New York Times.

CHT Opens New Affordable Apartments on Burlington’s Waterfront

Posted on Monday, October 07, 2019, by Chris Donnelly

Lieutenant Governor David Zuckerman, Senate President Tim Ashe, and Burlington Mayor Miro Weinberger were among the elected officials that celebrated the opening of 76 new affordable apartments in Burlington Monday.

“Too many Vermonters struggle with housing costs, the largest piece of most families’ budgets. I am pleased to celebrate this opening and recognize its part in meeting our statewide goals of affordable and inclusive housing,” said Lt. Governor Zuckerman.

The building was developed by Housing Vermont and Champlain Housing Trust, with the Housing Trust leasing up and managing the building. The first tenants moved in September 20; as of Monday, virtually all the apartments were taken.

“These new apartments are literally in my neighborhood, so I know how desperately needed they are. More than a hundred people will have a high-quality, affordable new home once the moving trucks have come and gone. I know first-hand as someone who has developed affordable housing how important this is. It’s just what we hoped for when we passed the state housing bond,” added Senator Ashe.

The Vermont Housing and Conservation Board provided close to $2 million, or close to 10%, of the overall cost of the development, including funding from the Housing for All Revenue Bond of 2017 and the National Housing Trust Fund. A significant piece of the funding came from the Low Income Housing Tax Credit allocated by the Vermont Housing Finance Agency, with People’s United Bank as an investor. Several other funders such as NeighborWorks® America contributed to the financing, and the City of Burlington committed funds through their Housing Trust Fund federal HOME Program resources.

“Housing impacts everything that we want and need to do in our city. Even as we continue to work on policy reforms that will make homes more available and affordable for Burlingtonians, it is so exciting to see these 76 new, permanently affordable homes open up at the Laurentide Apartments,” said Mayor Miro Weinberger. “I am proud that the City has been a partner in creating this new mixed-use, mixed-income neighborhood from the beginning. I can’t wait to meet the Burlingtonians who have already moved in to these apartments, and to see this become a home for many.”

Laurentide Apartments is part of a larger, mixed-use, mixed income neighborhood under development along with a new public park on 28 acres along North Avenue. In all, about 800 new homes will be constructed over the next several years. With Burlington’s inclusionary zoning ordinance, a quarter will be permanently affordable. The average rent for a two-bedroom, income-restricted apartment is about $1,000 including heat and hot water – which is more than $500 lower than the Fair Market Rent in the region.

People with a range of incomes have moved in or are moving in to the new apartments, including 14 households who are moving out of homelessness and several apartments that are set aside for those earning above what federal programs are normally allowed to serve, yet cannot find an affordable apartment in the tight Chittenden County housing market.

Building Homes Together campaign: Homes built, affordability lags

Posted on Monday, September 09, 2019, by Chris Donnelly

A campaign to encourage housing production in Chittenden County is keeping apace of its overall production goals, but the gap between housing costs and wages is growing housing leaders announced today.

There were 620 homes developed and ready for occupancy in 2018. Over the first three years of the campaign an average of 758 homes were built each year ahead of the pace needed to meet the campaign’s goal of 3,500 homes over five years.
“While overall housing production is strong, we know that we need to build more affordable housing to sustain truly inclusive communities and we’re just not doing that,” said Brenda Torpy of the Champlain Housing Trust. With over 2,200 homes built in the county in the last three years, only 280, or 13%, became permanently affordable. That’s well shy of the campaign’s goal of 20%.
The Building Homes Together campaign was launched in 2016 by Champlain Housing Trust, Chittenden County Regional Planning Commission and Housing Vermont, and is supported by over 100 public officials, business and nonprofit leaders. The organizations combine public education, advocacy and training in efforts to increase the amount of housing stock for people of all incomes in the County.
“The campaign has succeeded on one front, and that’s good news,” added Charlie Baker of the Chittenden County Regional Planning Commission, “but we still see anemic vacancy rates which demonstrate a pent-up need and an ongoing need to continue this rate of building.” The long-term vacancy rate in Chittenden County is 1.8%. Experts consider a vacancy rate between 3 and 5% to better balance the needs of renters and owners.
“We are heartened by the understanding in local communities to address the needs of low wage workers and those priced out of the market,” said Nancy Owens of Housing Vermont. “The State’s Housing Revenue Bond is adding some new affordable homes to our region already, with more on the way. Adding to and sustaining this type of investment over several years is the best way to address workers’ housing needs.”
Since the campaign launched, many initiatives to address affordability have started on the municipal level in Chittenden County communities, including active housing commissions or tasks forces in several towns or cities, adoption of additional planning tools like inclusionary zoning are being used or explored, and housing trust funds have been created or expanded by communities to encourage more affordable housing. 
More information about the campaign, including the data collected over the first three years, is available at

CHT Sells Burlington Building to Turning Point Center

Posted on Wednesday, July 31, 2019, by Chris Donnelly

The Champlain Housing Trust and Turning Point Center of Chittenden County jointly announced transfer of ownership of 179 South Winooski Avenue in downtown Burlington, a building which Turning Point Center of Chittenden County has leased for several months with the intent to buy. The purchase Tuesday for $850,000 allows for the programs and nonprofits operating in the building to continue to thrive.

The building has a rich history in providing service to the community. In 1993 several nonprofits came together with the support of the City of Burlington, state and federal agencies and hundreds of donors to create office and program space for their organizations. The Champlain Housing Trust, one of the original nonprofits, stewarded the building for this use over the years. Its facilitation of the transfer of the property to Turning Point allows for a continuation of this commitment to the community.

“We have been so excited to be here,” said Gary De Carolis, Executive Director of Turning Point Center of Chittenden County. “Being able to own this facility, at this location, is helping us achieve our mission and gives us security down the road. We very much appreciate working with the Champlain Housing Trust on this purchase.”

As a celebration of the missions of the two organizations and to mark the Champlain Housing Trust’s 35th anniversary, artist Tara Goreau has been commissioned to create a mural on the building’s south wall illustrating the community bonds that are reflected in the groups’ missions of housing and recovery. The housing trust and the Turning Point Center will be organizing volunteers – no experience needed or expected – to assist with the painting of the mural on the afternoon of Friday, August 16. Those who are interested should contact Jack Commo at 861-7399.

Turning Point Center of Chittenden County is a peer run recovery center for those in recovery from alcohol and/or drug addiction. The Center wants to thank the over 100 donors who made this dream become reality. Special recognition to the Stiller Family, The Hoehl Family Foundation and the University of Vermont Medical Center, Community Investment Fund for their significant contributions. 

Champlain Housing Trust offers affordable apartments to rent and homes to buy throughout Chittenden, Franklin and Grand Isle counties in northwest Vermont. It also owns and manages several community and commercial buildings, offers financial education and counseling programs, affordable loans and a range of other services to help residents succeed.