Home Loan Center
(as of 5/24/2013 )
Fixed Rate - Conventional Mortgage
| Mortgage Program | Interest Rate | Points | Annual Percentage Rate | Cost Per $1,000 Borrowed |
|---|---|---|---|---|
| 30 Year Fixed | 3.250% | 3.00 | 3.585% | $4.36 |
| 30 Year Fixed | 3.375% | 2.00 | 3.628% | $4.43 |
| 30 Year Fixed | 3.500% | 1.00 | 3.671% | $4.50 |
| 30 Year Fixed | 3.625% | 0.00 | 3.714% | $4.57 |
| 20 Year Fixed | 3.125% | 3.00 | 3.595% | $5.62 |
| 20 Year Fixed | 3.250% | 2.00 | 3.604% | $5.68 |
| 20 Year Fixed | 3.375% | 1.00 | 3.614% | $5.74 |
| 20 Year Fixed | 3.500% | 0.00 | 3.624% | $5.81 |
| 15 Year Fixed | 2.500% | 3.00 | 3.101% | $6.67 |
| 15 Year Fixed | 2.625% | 2.00 | 3.078% | $6.73 |
| 15 Year Fixed | 2.750% | 1.00 | 3.057% | $6.78 |
| 15 Year Fixed | 2.875% | 0.00 | 3.036% | $6.85 |
- 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 - Purchases with Vermont Housing Finance Agency
| Move Mortgage Program | Interest Rate | Points | Annual Percentage Rate | Cost Per $1,000 Borrowed |
|---|---|---|---|---|
| Conventional Fixed | 3.625% | 0.25 | 3.742% | $4.57 |
| Government - VA, RD | 3.500% | 0.00 | 3.596% | $4.50 |
Government Loans
| VA | Interest Rate | Points | Annual Percentage Rate | Cost Per $1,000 Borrowed |
|---|---|---|---|---|
| 30 year Fixed | 4.125% | 0.00 | 4.215% | $4.85 |
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* | 3.000% | 0.00 | 3.020% | $4.22 |
- 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.
- Rates are posted once a day and are subject to change without notice. Contact Vermont Federal Credit Union at (888) 252-0202, Option 2 for the latest information.
- Vermont Federal Credit Union NMLS# 466013
- Rates based on 45 day rate lock.
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