Mortgage Rates
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All rates and terms are subject to change without notice. Contact VTFCU for the latest information.
Residential Loan Rates
Updated: 05/09/2008
| Fixed Rate Conventional Mortgage Programs |
| Mortgage Program |
Interest Rate |
Points |
Annual Percentage Rate |
Cost Per $1,000 Borrowed |
| 30 Year Fixed |
5.375% |
3.00 |
5.650% |
$5.61 |
| 30 Year Fixed |
5.625% |
2.00 |
5.910% |
$5.76 |
| 30 Year Fixed |
5.750% |
1.00 |
5.840% |
$5.84 |
| 30 Year Fixed |
6.000%
|
0.00 |
6.047% |
$6.00 |
| |
| 20 Year Fixed |
5.250% |
3.00 |
5.520% |
$6.75 |
| 20 Year Fixed |
5.375% |
2.00 |
5.620% |
$6.82 |
| 20 Year Fixed |
5.625% |
1.00 |
5.750% |
$6.96 |
| 20 Year Fixed |
6.875% |
0.00 |
6.936% |
$7.10 |
| |
| 15 Year Fixed |
4.750% |
3.00 |
5.210% |
$7.79
|
| 15 Year Fixed |
5.000% |
2.00 |
5.310% |
$7.92 |
| 15 Year Fixed |
5.250% |
1.00 |
5.400% |
$8.05 |
| 15 Year Fixed |
5.000% |
0.00 |
5.571%
|
$8.18 |
| |
| Vermont Housing Finance Agency (VHFA) Mortgage Programs |
| Move Mortgage Program |
Interest Rate |
Points |
Annual Percentage Rate |
Cost Per $1,000 Borrowed |
| 30 Year Fixed |
5.950% |
2.00 |
6.130% |
$5.97 |
| 30 Year Fixed |
6.100% |
1.00 |
6.190% |
$6.07 |
| 30 Year Fixed |
6.250% |
0.00 |
6.250% |
$6.16 |
| |
|
|
|
|
Cash Assistance
30 year Fixed |
6.750% |
0.00 |
6.750% |
$6.49 |
| |
|
|
|
|
|
| Manufactured Housing Fixed |
7.950% |
2.00 |
8.160% |
$7.31 |
|
| Manufactured Housing Fixed |
8.100% |
1.00 |
8.200% |
$7.49 |
|
| Manufactured Housing Fixed |
8.250% |
0.00 |
8.250% |
$7.52 |
|
| Adjustable Rate Mortgage Programs |
| Move Mortgage Program |
Interest Rate |
Points |
Annual Percentage Rate |
Cost Per $1,000 Borrowed |
3/1 ARM; 1 year Libor;
Margin of 2.25%;
caps 2/2/6* |
5.250% |
0.00 |
5.794% |
$5.53 |
5/1 ARM; 1 year Libor;
Margin of 2.25% ;
caps 2/2/5* |
5.500% |
0.00 |
5.794% |
$5.69
|
7/1 ARM; 1 year Libor
Margin of 2.25%;
caps 5/2/5* |
5.750% |
0.00 |
5.794% |
$5.84 |
| |
|
|
|
|
* Margin is a component of pricing and may be subject to change.
Vermont Federal credit unon also offers the following mortgage loan programs:
- Jumbo
- Investment Properties
- Seasonal Properies
Rate locks are available; 1/2 % must be paid up front to lock the rate, which will be credited at closing. All rates quoted are subject to change without notice.
