Mortgage Products

Whether you are purchasing a property or refinancing your current mortgage, St. Mary's Bank is equipped to meet your needs. St. Mary's offers a variety of programs with different rates and terms, so you can choose the mortgage plan that best suits your financial situation.

Our FREE pre-approval program lets you find out just how much home you can afford before you even begin shopping for one. Once you've found your home, call one of our Mortgage Specialists at
1-888-705-9596, visit one of our branch locations, or contact us by e-mail.

Conventional Fixed-Rate Programs
30, 20,15, and 10-year terms available.

Adjustable Rate Mortgages (ARMs)
1, 3, 3-1, 5, 5-1, 7-1 adjustable rate mortgages available.

Government-Insured and First-Time Buyer Programs
FHA, VA, NHHFA (and "combination" loans).

• HLPR Mortgage (Home Loan Payment Relief)
• 40-Year Amortization
• Rehab Loans
• Manufactured Homes (Resident Owned Communities)
• New and "conversion" condominium financing
• Mixed use and non-conforming loans
• Construction Financing
• Land Loans

Get an interest rate discount on select mortgage programs!
Quoted rates reflect 0.125% off the Conventional Loan Rate (other than biweekly) with Automatic Funds Transfer from a St. Mary's Bank Beyond Checking or Savings Account.

Mortgage loans may also be subject to risk-based pricing adjustments called "Loan-Level Pricing Adjustments"  from Fannie Mae. All loans are priced individually.

Or download a printable application by clicking here.