Union Bank
Leading Bank for Mortgage Loans in Vermont

Mortgage Rates

Review current Vermont and New Hampshire mortgage rates. We update our interest rates regularly to give you the most current rates. Should you have any questions about rates or home loan types, our local mortgage experts are always ready to help.

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Revised December 11, 2019

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

Loan type and TermRate (%)Points (%)APR (%)*Payment per $1000**
30 Year Fixed Rate3.87503.923$4.70
30 Year Fixed Rate3.7501.003.881$4.63
30 Year Fixed Rate3.5002.003.712$4.49
20 Year Fixed Rate3.62503.691$5.86
15 Year Fixed Rate3.25003.335$7.03
15 Year Fixed Rate3.0001.003.229$6.91
15 Year Fixed Rate2.8752.003.250$6.85
30 Year 3/1 ARM Variable Rate (1)5.50004.659$5.68
30 Year 5/1 ARM Variable Rate (1)4.12504.299$4.85
30 Year 7/1 ARM Variable Rate (1)4.12504.271$4.85

(1) ARM=Adjustable Rate Mortgage, 1 Year US Treasury 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 Jumbo4.12504.191$4.85
30 Year Fixed Rate FHA(‡)3.25004.300$5.13
30 Year Fixed Rate RD3.25003.747$4.69
30 Year Fixed Rate VA3.25003.648$4.45

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 Advantage Conventional4.12504.203$4.85
30 Year Fixed Rate Advantage RD, VA, FHA3.62504.136$4.90
30 Year Fixed Rate MOVE MCC Conventional4.12504.203$4.85
30 Year Fixed Rate MOVE MCC RD, VA, FHA3.62504.136$4.90
30 Year Fixed Rate MOVE Conventional3.62503.700$4.56
30 Year Fixed Rate MOVE RD, VA, FHA3.50003.656$4.54

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 FLEX RD3.25003.7232$4.69
30 Year Fixed Rate FLEX Plus 2% Cash Assistance4.12504.604$5.19
30 Year Fixed Rate FLEX Plus 3% Cash Assistance4.37504.856$5.34
30 Year Fixed Rate Preferred Conventional3.87504.5331$5.49

(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 Rate6.79008.190$5.66

(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 Repay3.75%03.75%$3.70

(1) The rate is fixed for six months at 3.75% and then adjusts quarterly beginning in month six at the Wall Street Journal Prime Rate minus 0.25% (currently 4.50%) with a floor of 4.25% and a maximum of 18.00%. The maximum Annual Percentage Rate (APR) is 18%. Property insurance required. Flood insurance may be required.


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Mortgage rates can change daily, and vary depending on the borrower’s financial situation, including down payment and credit score. The rates presented above are based on a variety of assumptions and conditions, and may differ from buyer to buyer.

Buying a home is a large investment, and the loan experts at Union Bank are here to help you make the most of your money by guiding you through the loan process. For more than 100 years, we’ve been dedicated to providing financial expertise and excellent service to our customers across Vermont and New Hampshire. We’re proud to be the leading bank for mortgage loans in the entire state of Vermont. Whether it’s your first time buying a home, refinancing your residence, or investing in a secondary property, we are here to assist you. If you have questions, contact our team of knowledgeable professionals to learn more about our mortgage interest rates and our other lending services.

When you’re ready, use our Online Mortgage Application to get started.

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