Peoples Trust Company Residential Mortgage Rates
Peoples Trust Company Residential Mortgage Rates
Salable Conventional Mortgages - Serviced by PTC
(Primary & Secondary Residences)
Loan Type and Term 30 Year Fixed Rate 20 Year Fixed Rate 15 Year Fixed Rate
Max LTV 97.00% 97.00% 97.00%
10 Year Fixed Rate
97.00%
For Investment Property Pricing Please Contact a Loan Officer.
Government Purchase Loan Programs
FHA - Servicing Released
Loan Type and Term 30 Year Fixed Rate
Max LTV
VA - Servicing Released
30 Year Fixed Rate
RD - Servicing Retained
30 Year Fixed Rate
101.01%
Rate 3.000% 2.875% 2.375% 2.500%
Points 0 0 0 0
APR 3.039% 2.924% 2.410% 2.551%
Payment per $1,000 $4.22 $5.48 $6.61 $9.43
Rate
Points
APR Payment per $1,000
Contact your Lender for Individual Pricing.
Contact your Lender for Individual Pricing.
3.375%
0
3.456%
$4.42
Standard Portfolio Mortgages?
Loan Type and Term 30 Year Fixed Rate 20 Year Fixed Rate 15 Year Fixed Rate3 10 Year Fixed Rate
Max LTV 95.00%
Rate 5.750% 5.375%
5.000% 4.500%
Points 0 0
0 0
APR 5.787% 5.424%
5.062% 4.587%
Payment per $1,000 $5.84 $6.81
$7.91 $10.36
Home Equity Lines of Credit
Loan Type and Term
Max CLTV
Rate/Index
Points
APR
10 Year Draw period with Interest Only Payments followed by 10 Year Repayment period with Fixed Principal and Interest
Monthly Payment
Fixed Rate Option Variable Rate Option?
80.00% 4.750%
0
80.00% 3.250% ?
0
4.750%
Greater of $10 or
3.250% ? Interest Accured
?Variable Rate is NY Prime plus 0.00%, adjusted monthly. NY Prime is 3.25% today. Floor is 3.25% with maximum APR of 6 percentage points above your initial rate but not to exceed 18.00%. Generally HELOC have no closing costs, unless an appraisal or subordination is required.
Home Equity Loan
Loan Type and Term 15 Year Fixed Rate3
10 Year Fixed Rate 5 Year Fixed Rate
Max CLTV 80.00%
Rate 4.875% 4.375% 4.000%
Points 0 0 0
APR 4.876% 4.376% 4.002%
Payment per $1,000 $7.84 $10.30 $18.42
Construction Financing
Loan Type and Term
Max LTV
Rate
Points
APR
9 month term with Interest Only Payments followed by a Modification to fix term, rate and final amount financed.
One Time Close?
70.00%
5.99%
0
3.640%
APR includes Permanent Loan Terms: 30 Year at 4.125% as of 04/11/19
Two Time Close?
80.00%
5.99%
0
7.077%
Renovation
80.00%
5.99%
0
4.996%
APR includes Permanent Loan Terms: 15 Year at 4.5%
Payment per $1,000
Interest Only On Credit Extended
Important Loan Information:
Interest rates and points are subject to change without notice, and may vary based on loan program, term, credit quality, loan amount, and property type. All loans are subject to credit approval. The Annual Percentage Rates (APRs) disclosed above assume a loan amount of $125,000, 25% down payment on the purchase of an owner occupied one unit dwelling and a credit score of at least 740 except for Investment properties are non-owner occupied. The APR does not include all the closing costs. Rate lock period is for 90 days for all products except RD, FHA & VA are 60 days. FHA or VA financing and/or collateral located outside of Franklin, Chittenden, Grand Isle and Lamoille counties may have Servicing Released following the guidelines, pricing and fee structure of that investor. If an escrow account is required or requested, the actual monthly payment will be higher to include amounts for real estate taxes and insurance(s), if applicable. Loans with a Loan To Value, LTV, exceeding 80% will require Private Mortgage Insurance, PMI. ? $500 Loan Administration Fee Applies. ? Meets HPML definition. $300 Loan Administration Fee Applies.
Revised May 4, 2021 11:22 AM SL PTC is an Equal Housing Lender & Member FDIC. Call a mortgage lender at 800-479-2196. NMLS Institution #442104.
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