Current as low as Mortgage and Home Equity Rates
FreeRateUpdate publishes the as low as mortgage and home equity rates and APRs we can verify from the lenders and brokers in our network. Individual terms vary; the details and assumptions behind each figure are available below.
| Purpose | Product | Term | As low as rate | APR* |
|---|---|---|---|---|
| Purchase | Fixed mortgage | 30 years | 5.997% | 6.133% |
| Purchase | Fixed mortgage | 15 years | 5.490% | 5.831% |
| Refinance | Fixed mortgage | 30 years | 5.999% | 6.158% |
| Refinance | Fixed mortgage | 15 years | 5.492% | 5.859% |
| Refinance | Fixed mortgage | 10 years | 5.750% | 5.750% |
| Cash-out refinance | Fixed mortgage | 30 years | 5.991% | 6.171% |
| Cash-out refinance | Fixed mortgage | 10 years | 5.750% | 5.860% |
| Home equity | HELOC | Revolving | 6.050% | 6.050% |
| Home equity | Home equity loan | Fixed term | No publishable rate available today | — |
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PARTICIPATING LENDERS
Compare VT Mortgage Refinance Offers
Lower Your Interest Rate in Vermont
If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.
By refinancing your existing loan, your total finance charges may be higher over the life of the loan.
Why should I lower my rate? |
Save money |
 |
Lower Payments |
Shorten Your Loan Term in Vermont
Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.
Why should I shorten my term? |
Become mortgage-free quickly |
 |
Pay less interest |
Leverage Your Home's Equity in Vermont
Take cash out of your home to apply to improvements, renovations, or other necessary expenses.
Why should I cash out? |
Renovations |
 |
Pay for other debts or emergencies |
Vermont Mortgage Rates
Vermont is known as the “Green Mountain State” due to its lush forests and majestic mountain peaks. It is known across the East Coast for having some of the best hiking, skiing, and other outdoor activities, as well as being the top maple syrup producer in the country. Regardless of where you choose to live in Vermont, you can compare lenders before getting started using FreeRateUpdate.com.
Common Vermont Loan Types:
- Vermont conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
- Vermont FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
- Vermont VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.
Program information: FHA (HUD) and VA.gov.
How to Compare Vermont Mortgage Rates
Mortgage pricing available in Vermont varies by loan type, lender, borrower profile, property, points, and market timing. Use matching loan amount, purpose, term, occupancy, points, and lock period when comparing Vermont rate and APR figures.