Home state: Vermont

    802 mortgage rates

    802's lowest publicly advertised 30-year fixed rate today is 6.5% — the national average is 6.805%. That's about $29,074 saved over the life of a $400,000, 30-year loan. We track 802 daily and refresh rates every morning.

    Rates as of Sep 8, 2026

    Today's rates from 802

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.5%6.538%0Sep 8, 2026Visit
    20 Year Fixed6.375%6.425%0Sep 8, 2026Visit
    15 Year Fixed6%6.062%0Sep 8, 2026Visit
    10 Year Fixed5.875%5.962%0Sep 8, 2026Visit
    3 Year ARM4.5%4.646%0Sep 8, 2026Visit
    5 Year ARM5%5.151%0Sep 8, 2026Visit
    1 Year ARM4%4.142%0Sep 8, 2026Visit

    Rate history

    Lowest daily rate 802 advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join 802

    Membership is open to anyone who lives, works, or worships in the state of Vermont, as well as those in Grafton, Sullivan, and Cheshire Counties in New Hampshire. Immediate relatives of current members are also eligible to join.

    County
    Grafton County, NH, Sullivan County, NH, Cheshire County, NH

    Where 802 writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with 802.

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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