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Mortgage Rates

Revised November 17, 2017

Conventional Saleable Mortgage Loans for Primary & Secondary Residences-Servicing Retained (‡)

Loan type and TermRate (%)Points (%)APR (%)*Payment per $1000**
30 Year Fixed Rate4.00004.105$4.77
30 Year Fixed Rate3.8751.004.064$4.70
30 Year Fixed Rate3.6252.003.895$4.56
20 Year Fixed Rate3.75003.894$5.93
15 Year Fixed Rate3.37503.559$7.09
15 Year Fixed Rate3.2501.003.581$7.03
15 Year Fixed Rate3.0002.003.477$6.91
30 Year 3/1 ARM Variable Rate (1)4.75004.764$5.22
30 Year 5/1 ARM Variable Rate (1)3.75004.411$4.63
30 Year 7/1 ARM Variable Rate (1)3.87504.371$4.70
30 Year Fixed Rate RD4.62505.176$5.49

(1) ARM=Adjustable Rate Mortgage, 1 Year LIBOR plus a margin of 2.75% rounded to the nearest 0.125% with a minimum rate of 2.75%.

Saleable Mortgage Loans for Primary & Secondary Residences – Servicing Released

Loan type and TermRate (%)Points (%)APR (%)*Payment per $1000**
30 Year Fixed Rate Jumbo4.25004.378$4.92
30 Year Fixed Rate FHA(‡)/VA4.12505.242$5.63

VHFA (Vermont Housing Finance Agency) Saleable Mortgage Loans for Primary Residences-Servicing Released

Loan type and TermRate (%)Points (%)APR (%)*Payment per $1000**
30 Year Fixed Rate Conventional4.25004.395$4.92
30 Year Fixed Rate RD, VA, FHA4.00004.582$5.11
30 Year Fixed Rate Convent. MOVE MCC4.25004.395$4.92
30 Year Fixed Rate RD, VA, FHA MOVE MCC4.00004.595$5.11
30 Year Fixed Rate Convent. MOVE3.87504.016$4.70
30 Year Fixed Rate MOVE RD, VA, FHA3.62503.846$4.61

NHHFA (New Hampshire Housing Finance Agency) Saleable Mortgage Loans for Primary Residences-Servicing Released

Loan type and TermRate (%)Points (%)APR (%)*Payment per $1000**
30 Year Fixed Rate RD3.87504.4172$5.04
30 Year Fixed Rate + 2% Cash Assistance4.50005.051$5.41
30 Year Fixed Rate + 3% Cash Assistance4.87505.4312$5.64
30 Year Fixed Rate Conventional4.25005.0341$5.71
30 Year Fixed Rate Conventional No MI4.87504.987$5.29

(1)Based on 96.5% LTV including mortgage insurance.
(2)Based on 97.0% LTV including mortgage insurance.

B.U.I.L.D. Construction Loan

Loan type and TermRate (%)Points (%)APR (%)*Payment per $1000**1
8 Month Fixed Rate6.49007.909$5.41

(1) Interest only payments are required monthly based on the amount of the loan outstanding during the prior month.

Home Equity Loans for Primary and Secondary Residences

Loan type and TermRate (%)1Points (%)APR (%)*Payment per $1000**
15 Year Fixed Rate5.99006.006$8.43
10 Year Fixed Rate5.75005.772$10.98
5 Year Fixed Rate5.50005.541$19.11

(1) 0.25% reduction in rate with UB auto pay

Encore Home Equity Line of Credit for Primary Residences

Loan type and TermRate (%)1Points (%)APR (%)*Payment per $1000**
10 Year Draw/10 Year Repay4.00004.000$11.66

(1) The rate is fixed for year one at 4.00% and then adjusts quarterly beginning in year two at the Wall Street Journal Prime Rate plus 0.75% (currently 5.00%) with a floor of 4.00% and a maximum of 18.00%. The maximum APR is 18%.