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Rate Lock Agreement
Rates Effective:
Saturday, July 04, 2009
Last Updated:
Friday, July 03, 2009
Rates, programs, and indices are subject to change without notice.
| Includes primary residential and second homes. (Second home mortgages may require a 20% down payment.) |
|||||||
| Mortgage Type | Rate |
Points |
APR |
Max LTV |
Term (years) |
Monthly Payment per $1000 Borrowed |
|
|---|---|---|---|---|---|---|---|
30 Year |
5.625% |
0 |
5.66% |
95% |
30 |
$5.76 |
|
30 Year |
5.375% |
1 |
5.50% |
95% |
30 |
$5.60 |
|
30 Year |
5.000% |
3 |
5.30% |
95% |
30 |
$5.37 |
|
20 Year |
5.625% |
0 |
5.68% |
95% |
20 |
$6.95 |
|
20 Year |
5.250% |
1 |
5.42% |
95% |
20 |
$6.74 |
|
20 Year |
5.000% |
3 |
5.42% |
95% |
20 |
$6.60 |
|
15 Year |
5.000% |
0 |
5.05% |
95% |
15 |
$7.91 |
|
15 Year |
4.750% |
1 |
4.93% |
95% |
15 |
$7.78 |
|
15 Year |
4.500% |
3 |
4.99% |
95% |
15 |
$7.65 |
|
Additional Information.
Use our Mortgage Calculator to determine your monthly payments.
Apply for a Mortgage today!
| Includes primary residential and second homes. (Second home mortgages may require a 20% down payment.) |
|||||||
| Mortgage Type | Rate |
Points |
APR |
Max LTV |
Term (years) |
Monthly Payment per $1000 Borrowed |
|
|---|---|---|---|---|---|---|---|
1 YR ARM 2/6 Cap |
4.500% |
0 |
3.39% |
100% |
30 |
$5.07 |
|
3 YR ARM 2/6 Cap |
5.000% |
0 |
3.79% |
100% |
30 |
$5.37 |
|
5 YR ARM 2/5 Cap |
5.250% |
0 |
4.14% |
100% |
30 |
$5.52 |
|
7 YR ARM 2/6 Cap |
5.375% |
0 |
4.43% |
100% |
30 |
$5.60 |
|
Additional Information.
Apply for an Adjustable Rate Mortgage today!
| Mortgage Type | Rate |
Points |
APR |
Max LTV |
Term (years) |
Monthly Payment per $1000 Borrowed |
|
|---|---|---|---|---|---|---|---|
Jumbo 5 YR ARM 2/5 Cap |
5.625% |
0 |
4.30% |
100% |
30 |
$5.76 |
Additional Information.
Apply for a Jumbo Loan Mortgage today!
| Mortgage Type | Rate |
Points |
APR |
Max LTV |
Term (years) |
Monthly Payment per $1000 Borrowed |
|
|---|---|---|---|---|---|---|---|
7 YR ARM 5/2/5 Cap |
6.375% |
0 |
4.58% |
95% |
30 |
$6.24 |
| Mortgage Type | Rate |
Points |
APR |
Max LTV |
Term (years) |
Monthly Payment per $1000 Borrowed |
|
|---|---|---|---|---|---|---|---|
30 Year Fixed |
5.625% |
0 |
5.66% |
100% |
30 |
$5.76 |
|
30 Year Fixed |
N/A |
1 |
N/A |
100% |
30 |
$0 |
|
30 Year Fixed |
N/A |
2 |
N/A |
100% |
30 |
$0 |
|
Cash Assistance |
N/A |
0 |
N/A |
100% |
30 |
$0 |
Use our Mortgage Calculator to determine your monthly payments.
Apply for an Affordable Housing Loan today!
Fannie Mae - Flex 97 Mortgages
Single family residences only. Fixed rate mortgages with up to 97% financing.
Please contact a Mortgage Originator for Fannie Mae - Flex 97 loan pricing and
program details.
| Mobile Home Type | Rate |
Points |
APR |
Max LTV |
Term (years) |
Monthly Payment per $1000 Borrowed |
|
|---|---|---|---|---|---|---|---|
New |
8.625% |
0 |
8.76% |
80% |
20 |
$8.76 |
|
New, Used |
7.000% |
0 |
7.03% |
80% |
15 |
$8.99 |
Additional Information.
Use our Mortgage Calculator to determine your monthly payments.
Apply for a Mobile Home Mortgage today!
| Mortgage Type | Rate
| Points
| APR
| Max LTV
| Term
(years) | Monthly Payment per $1000 Borrowed
| |
|---|---|---|---|---|---|---|---|
15 YR Fixed
|
7.000%
|
N/A
|
7.03%
|
80%
|
15
|
$8.99
|
|
1 YR ARM 2/6 Cap
|
5.000%
|
N/A
|
3.47%
|
80%
|
30
|
$5.37
|
Additional Information.
Use our Mortgage Calculator to determine your monthly payments.
Apply for a Seasonal Home Loan today!
| Mortgage Type | Rate |
Points |
APR |
Max LTV |
Term |
Monthly Payment per $1000 Borrowed |
|
|---|---|---|---|---|---|---|---|
Land - 3 YR ARM 2/6 Cap |
6.750% |
1 |
5.75% |
80% |
15 |
8.85 |
|
Construction - Fixed Rate |
7.000% |
1 |
8.49% |
80% |
6 months |
N/A |
Additional Information.
Use our Mortgage Calculator to determine your monthly payments.
Apply for a Land or Construction Loan today!
| Loan Type | Rate |
Repay Period (years) |
APR |
Monthly Payment per $1000 Borrowed |
|
|---|---|---|---|---|---|
Fixed Rate |
6.250% |
15 |
6.25% |
$8.57 |
|
Fixed Rate |
5.750% |
10 |
5.75% |
$10.98 |
|
Fixed Rate |
5.000% |
5 |
5.00% |
$18.87 |
Use our Personal Loan Calculator to determine your monthly payments.
Apply for a Home Equity Loan today!
| Loan Type | Rate |
Repay Period |
APR |
CLTV |
Monthly Payment per $1000 Borrowed |
|
|---|---|---|---|---|---|---|
Monthly Adjustable |
4.000% |
15 years with an 8 year draw |
4.00% |
</=80% |
$8.84 |
|
Monthly Adjustable |
4.000% |
15 years with an 8 year draw |
4.00% |
>80% |
$8.84 |
HELOC's monthly adjustable rate tied to Wall Street Journal Prime Rate minus .50% for </= 80% Combined Loan to Value (CLTV) and minus .25% for >80% CLTV with 18% APR maximum, 4% APR floor. Rates are subject to change without notice. The term noted is used solely to determine periodic payments. This is an open-end loan agreement.
Use our Personal Loan Calculator to determine your monthly payments.
Apply for a Home Equity Line of Credit today!
Additional Information - Home Equity Loans and Lines of Credit
All residential property must be located in Vermont or New Hampshire. Variable rates valid as of Effective Date listed near top of page. Minimum line of credit is $5,000. Maximum line of credit is $100,000 with property tax assessment and $150,000 with appraisal. Other charges may be imposed, including a property appraisal fee of $300-$350; a title update fee of $100-$300; and a late fee of 5% of the payment may be charged for payment more than 30 days late.
Your combined loan to value is your combined mortgage balances, including the
entire credit limit of your new Home Equity Line of Credit, divided by the
value of your home. If prime minus .25%, combined maximum loan to value is 90%
of appraised value of home or property tax assessment. If prime minus .50%,
combined maximum loan to value is 80% of appraised value of home or property
tax assessment.
Additional Information - Mortgages / Seasonal Home Loans / Land and Construction Loans
All residential property must be located in Vermont or New Hampshire. All Rates listed as Annual Percentage Rate. APRs are based on a LTV of 80%. If LTV exceeds 80%, private mortgage insurance may be required and APRs will be higher. Maximum LTVs shown are for purchases only.
A Loan Level Price Adjustment (LLPA) may be charged on fixed rate loans based upon your credit score and/or Combined Loan to Value (CLTV).
For Adjustable Rate Mortgages, the Interest Rate Index on Adjustable Rate Mortgages is the weekly average on U.S. Treasury Securities adjusted to a constant maturity of one year as made available by the Federal Reserve Bank and published in the Wall Street Journal. The margin on one year adjustable rate mortgages is 2.75%. The margin on 3/1, 5/1, 7/1 adjustable rate mortgages, and the 5/1 adjustable rate Jumbo Mortgage, is 2.875%. The margin on the 7/1 adjustable rate My Community Mortgage is 2.25%.
For Lot Loans, the margin on the 3/1 adjustable rate mortgage is 4.00%.
For Construction Loans, the term stated is used solely to determine periodic payments.
| Index |
Rate |
|---|---|
1 yr. US Treasury |
0.48% |
3 yr. US Treasury |
1.72% |
Prime |
3.25% |
