Home Loan Center
(as of 2/3/2012)
Fixed Rate - Conventional Mortgage
| Mortgage Program | Interest Rate | Points | Annual Percentage Rate | Cost Per $1,000 Borrowed |
|---|---|---|---|---|
| 30 Year Fixed | 3.500% | 3.00 | 3.772% | $4.50 |
| 30 Year Fixed | 3.625% | 2.00 | 3.816% | $4.57 |
| 30 Year Fixed | 3.750% | 1.00 | 3.859% | $4.64 |
| 30 Year Fixed | 3.875% | 0.00 | 3.902% | $4.71 |
| 20 Year Fixed | 3.375% | 3.00 | 3.755% | $5.74 |
| 20 Year Fixed | 3.500% | 2.00 | 3.765% | $5.81 |
| 20 Year Fixed | 3.625% | 1.00 | 3.775% | $5.87 |
| 20 Year Fixed | 3.750% | 0.00 | 3.786% | $5.93 |
| 15 Year Fixed | 2.875% | 3.00 | 3.354% | $6.85 |
| 15 Year Fixed | 3.000% | 2.00 | 3.331% | $6.91 |
| 15 Year Fixed | 3.125% | 1.00 | 3.310% | $6.97 |
| 15 Year Fixed | 3.250% | 0.00 | 3.290% | $7.03 |
- Margin is a component of pricing and may be subject to change.
- Cost/thousand does not include taxes and insurance and the actual payment will be greater.
VHFA - Vermont Housing Finance Agency Mortgages
| Move Mortgage Program | Interest Rate | Points | Annual Percentage Rate | Cost Per $1,000 Borrowed |
|---|---|---|---|---|
| Conventional Fixed | 3.875% | 0.25 | 3.895% | $4.71 |
| Government - VA, FHA, RD | 3.750% | 0.00 | 3.750% | $4.64 |
Government Loans
| VA | Interest Rate | Points | Annual Percentage Rate | Cost Per $1,000 Borrowed |
|---|---|---|---|---|
| 30 year Fixed | 4.625% | 0.00 | 4.658% | $5.15 |
Adjustable Rate Mortgages
| Move Mortgage Program | Interest Rate | Points | Annual Percentage Rate | Cost Per $1,000 Borrowed |
|---|---|---|---|---|
| 5/1 ARM; 1 year Libor; Margin of 2.25%; caps 2/2/5* | 4.500% | 0.00 | 4.521% | $5.07 |
| 7/1 ARM; 1 year Libor; Margin of 2.25%; caps 5/2/5* | 6.375% | 0.00 | 6.426% | $6.25 |
- Margin is a component of pricing and may be subject to change.
- Cost/thousand does not include taxes and insurance and the actual payment will be greater.
- All rates and terms are subject to change without notice. Contact Vermont Federal Credit Union at (888) 252-0202, option 2 for the latest information.
- Rate locks are available for .5% of your loan amount or $650.00, whichever is less. This is payable up front to lock in the rate and will be credited at closing. All rates quoted are subject to change without notice.
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