Mortgage Rates

(As of 11/14/2024)
Rates are based on the most current available data and are subject to change.

Primary Residence (2nd Home and Investment)View Rates

Saleable Conventional Mortgages - Serviced by PTC.

For 2nd Home or Investment properties please contact a lender.

Mortgage Rates (Rate Table)
Loan Type and TermMax LTVRatePointsAPR⁴Payment per $1,000 
30 Year Fixed Rate97%6.625%06.649%$6.40Apply Now
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  6.375%16.495%$6.24Apply Now
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20 Year Fixed Rate97%6.375%06.406%$7.38Apply Now
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  6.000%16.131%$7.16Apply Now
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15 Year Fixed Rate97%6.125%06.164%$8.51Apply Now
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  5.750%15.945%$8.30Apply Now
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10 Year Fixed Rate97%6.125%06.180%$11.16Apply Now
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Government LoansView Rates

(Primary Residence) Servicing Released

Government Loan Rates (Rate Table)
ProgramsLoan Type and TermMax LTVRatePointsAPRPayment per $1,000
FHA - Servicing Released30 Year Fixed Rate6.095%06.396%$6.06Apply Now
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VA - Servicing Released30 Year Fixed Rate6.137%06.632%$6.08Apply Now
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RD - Servicing Released30 Year Fixed Rate6.137%06.365%$6.08Apply Now
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VHFA, VT Housing Finance AgencyView Rates

(Servicing Released) $300 Loan Administration Fee Applies

VHFA Loan Rates (Rate Table)
ProgramsLoan Type and TermMax LTVRatePointsAPRPayment per $1,000
Saleable - MOVE w/Assist30 Year Fixed Rate97.00%6.250%06.310%$6.16Apply Now
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RD - MOVE w/Assist30 Year Fixed Rate101.00%6.000%06.156%$6.00Apply Now
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Saleable - MOVE MCC w/Assist30 Year Fixed Rate97.00%6.500%06.577%$6.32Apply Now
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RD - MOVE MCC w/Assist30 Year Fixed Rate101.00%6.250%06.424%$6.16Apply Now
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Saleable - Advantage w/Assist30 Year Fixed Rate97.00%6.500%06.561%$6.32Apply Now
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RD - Advantage w/Assist30 Year Fixed Rate101.00%6.250%06.409%$6.16Apply Now
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 Additional Programs and Rates available on VHFA Website (https://www.vhfa.org/homebuyers/rates)

Home Equity Lines of CreditView Rates

Home Equity Lines of Credit (Rate Table)
Loan Type and TermMax CLTVRatePointsAPRPayment per $1,000
Fixed Rate Option80.00%7.500%07.500%Greater of $10 or Interest AccuredApply Now
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Variable Rate Option²80.00%6.750%06.750%Greater of $10 or Interest AccuredApply Now
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Variable Rate Option rate is locked the preceding business day before loan closing date. Fixed Rate Option rate lock period is for 120 days. Generally, HELOC have no closing costs, unless an appraisal or subordination is required and total between $0.00 to $750.

²Variable Rate APR is Wall Street Journal (WSJ) Prime Rate plus a current margin of -1.00%. WSJ index is 7.75% today with an initial 6.75% APR. Rates are as low as 4.00% APR the floor and a maximum APR not to exceed 15.00%. which is also the floor APR. Future APR changes are subject to change on the first calendar day of each month.

Home Equity Loan View Rates

The monthly payment may be higher if escrows for property taxes and homeowners insurance are applicable.

Home Equity Loan (Rate Table)
Loan Type and TermMax CLTVRatePointsAPRPayment per $1,000
15 Year Fixed Rate80.000%7.750%07.750%$9.41Apply Now
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10 Year Fixed Rate80.000%7.000%07.000%$11.61Apply Now
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5 Year Fixed Rate80.000%5.990%05.990%$19.33Apply Now
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Construction FinancingView Rates

Construction Financing (Rate Table)
ProgramsLoan Type and TermMax LTVRatePointsAPRPayment per $1,000
Construction Only¹12 months80.00%7.875%08.757%Interest Only On Credit Extended.Apply Now
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Renovation⁵12 months Construction to 15 Year Permanent80.00%7.875%07.769%Interest Only On Construction PhaseApply Now
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Important Loan Information:
Interest rates and points are subject to change without notice, and may vary based on loan program, term, credit quality, loan amount, and property type. All loans are subject to credit approval. The Annual Percentage Rates (APRs) disclosed above assume a loan amount of $125,000, 25% down payment on the purchase of an owner occupied one unit dwelling and a credit score of at least 780 except for Investment properties are non-owner occupied. The APR does not include all the closing costs. Rate lock period quoted is for 60 days for all products except Home Equity Loans and VHFA is 90 days. Saleable conventional and government loans may have Servicing Released following the guidelines, pricing and fee structure of that investor. If an escrow account is required or requested, the actual monthly payment will be higher to include amounts for real estate taxes and insurance(s), if applicable. Loans with a Loan To Value, LTV, exceeding 80% will require Private Mortgage Insurance, PMI. ¹ $500 Loan Administration Fee Applies. 4$300 Loan Administration Fee Applies. 5 APR includes Nine month term with Interest Only Payments followed by a Modification to Home Equity Loan, 15 year term, fixed rate and final amount financed.