Compare Vermont’s Mortgage Rates | Tuesday, December 9, 2025
Rates are current as of December 9, 2025 12:28 AM EST
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The Nerdy headline
In addition to conventional and government-backed loans, Northpointe Bank’s mortgage portfolio includes rarer offerings like doctor loans, condo loans, investment property loans and loans for borrowers with credit challenges. However, average origination fees tend to be comparatively high.
Home loans overall
NerdWallet rating4.5
- Closing may be available within 15 business days.
- Offers loans and programs aimed at making homeownership more accessible.
- Offers mortgages for investment properties, including jumbo loans.
- Average mortgage origination fees are on the high side, according to the latest data.
- Bank’s mobile app isn’t useful for mortgage borrowers.
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The Nerdy headline
New American Funding offers a large menu of loan products, as well as programs like first-time home buyer assistance, but personalized mortgage rates aren't available on its website.
Home loans overall
NerdWallet rating4.5
- Offers a wide variety of purchase and refinance mortgages, as well as unique buyer assistance programs.
- Its home equity line of credit can be used for a primary residence or second home.
- Average origination fees are on the high side, according to the latest federal data.
- Personalized mortgage rates are not available on the website without providing contact information.
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The Nerdy headline
Sage Home Loans stands out for speed and convenience, though it lacks a mobile app and doesn’t serve New York borrowers.
Home loans overall
NerdWallet rating
4.5
- Sample rates are easy to browse online.
- Quick, convenient pre-qualification process.
- Average time to close is just under 20 days, faster than industry standard.
- Home loans aren’t available in New York.
- No mobile app or online chat, despite focus on mortgage tech.
- Online pre-qualification requires sharing contact info.
About these rates: The lenders whose rates appear on this table are NerdWallet's advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender's site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner's assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.
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Vermont’s average 6.17%
Vermont’s average mortgage rates today
| Product | Interest rate | APR |
|---|---|---|
| 30-year Fixed | 6.17% | 6.17% |
| 30-year Fixed FHA | 6.00% | 6.73% |
| 30-year Fixed VA | 5.79% | 6.00% |
| 20-year Fixed | 6.03% | 6.03% |
| 15-year Fixed | 5.60% | 5.61% |
| 10-year Fixed | 6.06% | 6.07% |
| 3-year ARM | 4.31% | 4.26% |
| 5-year ARM | 5.56% | 6.44% |
| 7-year ARM | 6.22% | 6.69% |
| 10-year ARM | 6.17% | 6.17% |
Accurate as of 12/08/2025.
Data source: ©Zillow, Inc. 2025. Use is subject to the Terms of Use
Today's mortgage rates in Vermont | Tuesday, December 9, 2025
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