Vermont’s “High-Rate / High-Point Law” (Title 9 V.S.A. § 104, Regulation B-98-2) determines the threshold for a “high-rate” mortgage loan based on the annual interest rate for underpayment or overpayment of taxes set by the Vermont Commissioner of Taxes each year.  This rate is known as the "Declared Rate."

Corrected typo on page 2. (Date of Release to Production: 11/20/25)

Updated MERS street address. (Date of Release to Production: 11/20/25)

Updated by adding additional lines of space to dynamically add “Instrument Prepared By” below "After Recording Return To" at the top of page 1. (Date of Release to Production: 11/20/25)

Updated by adding additional lines of space to dynamically add “Instrument Prepared By” below "After Recording Return To" at the top of page 1. (Date of Release to Production: 11/20/25)

Updated MERS street address. (Date of Release to Production: 11/20/25)

Updated by adding additional lines of space to dynamically add “Instrument Prepared By” below "Mail Tax Statements To" at the top of page 1. Page count decreased to 18 pages. (Date of Release to Production: 11/20/25)

Updated by adding additional lines of space to dynamically add “Instrument Prepared By” below "Mail Tax Statements To" at the top of page 1. Page count decreased to 18 pages. (Date of Release to Production: 11/20/25)

Updated MERS street address. (Date of Release to Production: 11/20/25) 

Updated by adding additional lines of space to dynamically add “Instrument Prepared By” below "Property Address" at the top of page 1. (Date of Release to Production: 11/20/25)