Home Loan Center
(as of 03/10/2010)
Fixed Rate - Conventional Mortgage
| Mortgage Program | Interest Rate | Points | Annual Percentage Rate | Cost Per $1,000 Borrowed |
|---|---|---|---|---|
| 30 Year Fixed | 4.625% | 3.00 | 4.890% | $5.15 |
| 30 Year Fixed | 4.875% | 2.00 | 5.050% | $5.30 |
| 30 Year Fixed | 5.000% | 1.00 | 5.090% | $5.37 |
| 30 Year Fixed | 5.125% | 0.00 | 5.163% | $5.44 |
| 20 Year Fixed | 4.375% | 3.00 | 4.730% | $6.27 |
| 20 Year Fixed | 4.500% | 2.00 | 4.740% | $6.33 |
| 20 Year Fixed | 4.750% | 1.00 | 4.870% | $6.47 |
| 20 Year Fixed | 4.875% | 0.00 | 4.924% | $6.53 |
| 15 Year Fixed | 4.000% | 3.00 | 4.450% | $7.40 |
| 15 Year Fixed | 4.125% | 2.00 | 4.430% | $7.47 |
| 15 Year Fixed | 4.250% | 1.00 | 4.440% | $7.53 |
| 15 Year Fixed | 4.500% | 0.00 | 4.557% | $7.65 |
- 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 | 5.125% | 0.00 | 5.175% | $5.45 |
| Government Fixed | 4.750% | 1.00 | 4.836% | $5.22 |
| Government Fixed | 5.000% | 0.00 | 5.000% | $5.38 |
| Manufactured Housing Fixed | 7.500% | 2.00 | 7.710% | $7.00 |
Government Loans
| VA | Interest Rate | Points | Annual Percentage Rate | Cost Per $1,000 Borrowed |
|---|---|---|---|---|
| 30 year Fixed | 5.875% | 0.00 | 5.921% | $5.92 |
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* | 5.125% | 0.00 | 5.163% | $5.44 |
| 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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