Fixed Rate Products
FIXED RATE SALEABLE: Servicing Retained; Primary Residence, 1-4 Family Owner Occupied
Second Homes (Single Family Residences & Condos)
Repayment
Terms in Years |
Interest Rate |
Points |
Annual Percentage Rate (APR) 1 |
Maximum LTV 2 |
Monthly Payment Per $1,000 3 |
| 15 |
5.875% |
2.00 |
6.427%
|
* |
180 @ $8.43
|
| 15 |
6.125%
|
0.00 |
6.242% |
* |
180 @ $8.51
|
| 20 |
6.375%
|
2.00 |
6.728% |
* |
240 @ $7.38
|
| 20 |
6.500%
|
0.00 |
6.595% |
* |
240 @ $7.46
|
| 30 |
6.750% |
2.00 |
7.024% |
* |
360 @ $6.49
|
| 30 |
6.875% |
0.00 |
6.949% |
* |
360 @ $6.52
|
FIXED RATE PORTFOLIO: Servicing Retained; Primary Residence, 1-4 Family Owner Occupied
Repayment
Terms in Years |
Interest Rate |
Points |
Annual Percentage Rate (APR)1 |
Maximum LTV2 |
Monthly Payment Per $1,0003 |
| 15 |
6.375% |
0.00 |
6.493%
|
* |
180 @ $8.64 |
| 20 |
6.750% |
0.00 |
6.720%
|
* |
240 @ $7.53 |
| 30 |
7.125% |
0.00 |
7.200%
|
* |
360 @ $6.74 |
FIXED RATE PORTFOLIO SECOND HOMES: Servicing Retained; Single Family Residences & Condos-Max LTV 90% requires a minimum credit score of 720 and higher.
Repayment
Terms in Years |
Interest Rate |
Points |
Annual Percentage Rate (APR)1 |
Maximum LTV |
Monthly Payment Per $1,0003 |
| 15 |
6.375% |
1.00 |
6.654%
|
90% |
180 @ $8.64 |
| 20 |
6.750% |
1.00 |
6.850%
|
90% |
240 @ $7.53 |
| 30 |
7.125% |
1.00 |
7.302%
|
90% |
360 @ $6.74 |
Get Prequalified
FIXED RATE SALEABLE Investment Properties: Servicing Retained; Non-Owner Occupied Single Family Residences or 1-4 Units
Repayment
Terms in Years |
Interest Rate |
Points |
Annual Percentage Rate (APR)1 |
Maximum 184TV2 |
Monthly Payment Per $1,0003 |
| 15 |
6.250% |
2.00 |
6.691%
|
* |
180 @ $8.57
|
| 15 |
6.375% |
1.00 |
6.654%
|
* |
180 @ $8.64 |
| 30 |
6.990% |
2.00 |
7.268%
|
* |
360 @ $6.65 |
| 30 |
7.125% |
1.00 |
7.302%
|
* |
360 @ $6.74 |
FIXED RATE PORTFOLIO Investment Properties: Servicing Retained; Non-Owner Occupied Single Family Residences
or 1-4 Units
Repayment
Terms in Years |
Interest Rate |
Points |
Annual Percentage Rate (APR) 1 |
Maximum LTV 5 |
Monthly Payment Per $1,000 3 |
| 30 |
7.250% |
1.00 |
7.428% |
75 |
360 @ $6.82 |
FIXED RATE HOME EQUITY LOAN: Primary Residence or Second-Home 1st or 2nd lien
Repayment
Terms in Years |
Interest Rate |
Points |
Annual Percentage Rate (APR) 1 |
Maximum LTV 4 |
Monthly Payment Per $1,000 3 |
| 5 |
5.750% |
0.00 |
5.998% |
* |
60 @ $19.22 |
| 10 |
6.750% |
0.00 |
6.940% |
* |
120 @ $11.48 |
| 15 |
7.750% |
0.00 |
7.848% |
* |
180 @ $9.41 |
FIXED RATE HOME EQUITY LOAN: 1-4 Family, Non-Owner Occupied 1st or 2nd lien
Repayment
Terms in Years |
Interest Rate |
Points |
Annual Percentage Rate (APR) 1 |
Maximum LTV 5 |
Monthly Payment Per $1,000 3 |
| 5 |
5.750% |
1.00 |
6.419% |
* |
60 @ $19.22 |
| 10 |
6.750% |
1.00 |
7.169 |
* |
120 @ $11.48 |
| 15 |
7.750% |
1.00 |
8.015% |
* |
180 @ $9.41 |
Repayment
Terms in Years |
Interest Rate |
Points |
Annual Percentage Rate (APR) 1 |
Maximum LTV 5 |
Monthly Payment Per $1,000 3 |
| 5 |
6.250% |
0.00 |
6.597% |
65 |
60 @ $19.45 |
| 10 |
6.750% |
0.00 |
6.937 |
65 |
120 @ $11.48 |
TINY HOMES
Now financing Tiny Homes with a minimum of 480 sq. ft. on its own land.
For more information, contact a Mortgage Officer today.
MANUFACTURED HOMES
Eligible Properties:
June 1976 or newer double or single-wide manufactured home on its own land.
Single wide manufactured homes - Primary residence only, maximum 30-year term, minimum of 600 square feet.
Ineligible Properties:
Double-wide or single-wide manufactured homes in a park or manufactured homes with less than 600 square feet.
- No prepayment penalties on residential mortgage products.
- Maximum Loan Amount on Saleable conforming fixed rate mortgages is $806,500.00.
HOME EQUITY LINE OF CREDIT (HELOC) PRODUCT
Portfolio Financing: Primary Residence. Second-Home or Investment Property.
- Unlock the potential of your home with our versatile home equity credit line products. Whether you're renovating or pursuing a major purchase, our home equity credit lines offer competitive rates and convenient access to funds whenever you need them. Discover the benefits of our home equity credit lines today and take the next step towards realizing your dreams. Contact a loan officer today for complete terms and conditions.
CONSTRUCTION LOANS
Eligible Occupancy Type:
Primary Residence and Second-Home single family residences (tiny homes under 480 square feet are ineligible.)
- Primary Residences and Second Homes: Maximum Loan to Value (LTV) is 80% of the acquisition costs or the appraised value, whichever is less.
MORTGAGE OFFICERS
Linda Hescock | (802) 464-7537 | lhescock@brattbank.com | NMLS#1536097
Mia DeAngelis | (802) 275-3903 | mia@brattbank.com | NMLS#487902
All Rates are subject to change. Please discuss Rate lock options with your Mortgage Officer.
Brattleboro Savings and Loan NMLS#446356
1. Annual Percentage Rate (APR), points, and interest rates are indications only, and are subject to change without notice. Qualification is subject to credit, underwriting and property approval. The annual percentage rate (APR)* quote are based on a loan amount of $100,000.
2. Maximum Loan to Value (LTV) – contact one of our Mortgage Officers for Maximum LTV options. LTVs are based on a 20% down payment. Down payments less than 20% will require Private Mortgage Insurance (PMI)
3. Monthly Payment Per $1000.00 represents the monthly principal and interest only, and does not include monthly taxes, homeowner's insurance, Flood Insurance if applicable, HOA type fees or monthly private mortgage insurance premiums.
4. Rates and terms are subject to change without notice.
Apply online to start your mortgage process
