Waterbury, VT Mortgage Rates and Refinance Rates

Mortgages in Waterbury, VT: Find the best Waterbury, VT mortgage rates today from banks and credit unions. When results are displayed for mortgage rates in Waterbury, 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 Waterbury, VT. Another option is searching for Waterbury, 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 Waterbury, VT mortgage rates or refinance rates.

Search and Compare Waterbury, VT Mortgage Rates & Refinance Rates

Waterbury, Vermont Conforming Mortgage Rates and Refinance Rates

Conforming home mortgage rates in Waterbury, VT are the most popular type of mortgages rates you can find advertised for home buyers in Waterbury, 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. Waterbury, 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 Waterbury, VT banks, mortgage companies and credit unions are able to resell home mortgage loans that they make. This process also makes Waterbury, VT conforming mortgage rates and refi rates lower than Waterbury, VT jumbo mortgage rates and jumbo refinance rates because the GSE's can’t purchase jumbo mortgages that are made by Waterbury, VT home finance companies, credit unions and banks.

Jumbo Mortgage Rates and Refinance Rates in Waterbury, Vermont

Jumbo mortgage rates in Waterbury, 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 Waterbury, VT and adjustable mortgage rates in Waterbury, VT. Interest rates are higher because third party investors buy the home loans credit unions, banks and mortgage companies in Waterbury, VT make.

Waterbury, Vermont Fixed Mortgage Rates and Fixed Refinance Rates

Waterbury, 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.

Waterbury, Vermont Adjustable Mortgage Rates

Adjustable Waterbury, 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 Waterbury, 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 Waterbury, VT. Most adjustable mortgages in Waterbury, VT have yearly caps and life time maximum caps on how high the interest rate can fluctuate.

Google Map for Waterbury, VT Rates & Resources

Waterbury FDIC Insured Banks

Bank Name

FDIC Cert Number


Northfield Savings Bank

14140 29 South Main Street, Waterbury, VT 05676

TD Bank, National Association

18409 14 South Main Street, Waterbury, VT 05676

The Merchants Bank

6268 994 Waterbury Stowe Road, Waterbury, VT 05676