Home Loan Center
(as of 07/29/2010)
Fixed Rate - Conventional Mortgage
| Mortgage Program | Interest Rate | Points | Annual Percentage Rate | Cost Per $1,000 Borrowed |
|---|---|---|---|---|
| 30 Year Fixed | 4.000% | 3.00 | 4.250% | $4.78 |
| 30 Year Fixed | 4.125% | 2.00 | 4.290% | $4.85 |
| 30 Year Fixed | 4.375% | 1.00 | 4.460% | $5.00 |
| 30 Year Fixed | 4.500% | 0.00 | 4.532% | $5.07 |
| 20 Year Fixed | 3.875% | 3.00 | 4.216% | $6.00 |
| 20 Year Fixed | 4.000% | 2.00 | 4.230% | $6.07 |
| 20 Year Fixed | 4.250% | 1.00 | 4.370% | $6.20 |
| 20 Year Fixed | 4.375% | 0.00 | 4.418% | $6.27 |
| 15 Year Fixed | 3.500% | 3.00 | 3.946% | $7.16 |
| 15 Year Fixed | 3.625% | 2.00 | 3.920% | $7.22 |
| 15 Year Fixed | 3.875% | 1.00 | 4.090% | $7.34 |
| 15 Year Fixed | 4.000% | 0.00 | 4.050% | $7.40 |
- 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% | 1.00 | 5.234% | $5.45 |
| Government Fixed | 4.750% | 1.00 | 4.836% | $5.22 |
| Government Fixed | 4.950% | 0.00 | 4.950% | $5.34 |
| 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 | 5.375% | 0.00 | 5.416% | $5.60 |
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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