Essex Junction, VT Mortgage Rates and Refinance Rates

Mortgages in Essex Junction, VT: Find the best Essex Junction, VT mortgage rates today from banks and credit unions. When results are displayed for mortgage rates in Essex Junction, VT, you can easily sort your search results by lender, rate, APR and points so you can easily compare results. Whether you’re looking for conforming, jumbo, adjustable or interest-only mortgage rates in Essex Junction, VT. Another option is searching for Essex Junction, VT refinance rates if you're looking to refinance a loan. Best of all you don't have to provide any personal information to see a list of Essex Junction, VT mortgage rates or refinance rates.

Search and Compare Essex Junction, VT Mortgage Rates & Refinance Rates

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
in 05602, All points, 740    Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
3.178%
2.990%
USD
Rocket Mortgage Logo
NMLS # 3030
07/13/2020
at 2.000 pts
45 day lock rate
Est payment: $1,264
Fees in APR: $7,250
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
3.362%
3.250%
USD
Rocket Mortgage Logo
NMLS # 3030
07/13/2020
at 1.000 pts
45 day lock rate
Est payment: $1,306
Fees in APR: $4,250
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
3.909%
3.875%
USD
Rocket Mortgage Logo
NMLS # 3030
07/13/2020
at 0.000 pts
45 day lock rate
Est payment: $1,411
Fees in APR: $1,250
From the lender: We can close your loan in less than a month!
 

Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.





Essex Junction, Vermont Conforming Mortgage Rates and Refinance Rates

Conforming home mortgage rates in Essex Junction, VT are the most popular type of mortgages rates you can find advertised for home buyers in Essex Junction, VT. Conforming mortgages, also known as conventional mortgages, are mortgages that meet certain criteria set out by Federal Housing Finance Agency (FHFA). There is a loan limit set for each county in the United States. Higher mortgage loan limits are set for high housing cost areas. Essex Junction, VT mortgages that 'conform' to the standards set out by the Federal Housing Finance Agency can be purchased by government sponsored entities (GSE) like Freddie Mac and Fannie Mae. This process guarantees Essex Junction, VT banks, mortgage companies and credit unions are able to resell home mortgage loans that they make. This process also makes Essex Junction, VT conforming mortgage rates and refi rates lower than Essex Junction, VT jumbo mortgage rates and jumbo refinance rates because the GSE's can’t purchase jumbo mortgages that are made by Essex Junction, VT home finance companies, credit unions and banks.

Jumbo Mortgage Rates and Refinance Rates in Essex Junction, Vermont

Jumbo mortgage rates in Essex Junction, VT are advertised for home loans that have a dollar amount that is higher than conventional loan amounts. Jumbo mortgage rates and jumbo refinance rates are always higher than conventional mortgage rates for both fixed mortgage rates in Essex Junction, VT and adjustable mortgage rates in Essex Junction, VT. Interest rates are higher because third party investors buy the home loans credit unions, banks and mortgage companies in Essex Junction, VT make.

Essex Junction, Vermont Fixed Mortgage Rates and Fixed Refinance Rates

Essex Junction, VT fixed rate mortgages are the most common mortgage available to borrowers. With a fixed mortgage the interest rate stays the same for the entire loan period. Fixed mortgages are available in 40 years, 30 years, 20 years, 15 years and 10 years. The longer the mortgage term the lower the monthly mortgage payment will be.

Essex Junction, Vermont Adjustable Mortgage Rates

Adjustable Essex Junction, VT mortgage rates are fixed for a period of time and then the mortgage rate adjusts every year after. The most common adjustable mortgages terms available in Essex Junction, VT are 1 year, 3 year, 5year and 7 year. Adjustable rate mortgages are advertised as 1 year, 3/1, 5/1 and 7/1. Adjustable mortgages are available for conforming dollar amounts and jumbo dollar amounts in Essex Junction, VT. Most adjustable mortgages in Essex Junction, VT have yearly caps and life time maximum caps on how high the interest rate can fluctuate.



Google Map for Essex Junction, VT Rates & Resources


Essex Junction FDIC Insured Banks

Bank Name

FDIC Cert Number

Address

KeyBank National Association

17534 40 Pearl Street, Essex Junction, VT 05452

Northfield Savings Bank

14140 71 Pearl Street, Essex Junction, VT 05452

Peoples Trust Company of St. Albans

14168 One Carmichael Street, Essex Junction, VT 05452

RBS Citizens, National Association

57957 84 Pearl Street, Essex Junction, VT 05452

TD Bank, National Association

18409 4 Main Street, Essex Junction, VT 05452

The Merchants Bank

6268 54 Pearl Street, Essex Junction, VT 05452