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Homebuyer Loan Rates  

You’ll find VHDA’s homeownership loan interest rate and points options listed below. Rates are subject to change without notice and are not guaranteed until reserved.

VHDA’s Rateline: 800- 637-7738
Loan Reservations on vhda.org
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First-time Homebuyer Loan Programs

Rates as of 6/4/2012 1:12:14 PM.

Fixed

Option Name
Interest Rate
Origination Points
Discount Points
APR
Standard
3.000
1.000
1.000
3.155
Option 1
3.250
1.000
0.000
3.329
Option 2
2.750
1.000
2.000
2.979
Option 3
3.500
0.000
0.000
3.500

FHA Plus

Option Name
Interest Rate
Origination Points
Discount Points
APR
Standard
3.250
1.000
1.000
3.408
Option 1
3.500
1.000
0.000
3.580
Option 2
3.000
1.000
2.000
3.233
Option 3
3.750
0.000
0.000
3.750

Points and interest rates may vary based on loan guidelines and selected pricing option. 

*All APR calculations are based on 30-year, $150,000 mortgages with the indicated origination and discount point(s). These calculations assume no mortgage insurance.  The FHA Plus loan require an upfront mortgage insurance premium and a monthly renewal until a 78% Loan-to-Value (LTV) is reached.

More Information

HOMEBUYER LOAN RATES

Fixed 3.000% 3.155% APR
FHA Plus 3.250% 3.408% APR
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