HOMEBUYER LOAN RATES

Fixed	3.375%	3.534% APR
FHA Plus	3.625%	3.786% APR

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
Homebuyer Loan Rates RSS Feed

Looking for Multifamily Rates?

First-time Homebuyer Loan Programs

Rates as of 2/4/2012 12:47:18 AM.

Fixed

Option Name	Interest Rate	Origination Points	Discount Points	APR
Standard	3.375	1.000	1.000	3.534
Option 1	3.625	1.000	0.000	3.706
Option 2	3.125	1.000	2.000	3.359
Option 3	3.875	0.000	0.000	3.875

FHA Plus

Option Name	Interest Rate	Origination Points	Discount Points	APR
Standard	3.625	1.000	1.000	3.786
Option 1	3.875	1.000	0.000	3.957
Option 2	3.375	1.000	2.000	3.613
Option 3	4.125	0.000	0.000	4.125

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.