Rates

Mortgage Rates

Rate information is current as of: February 03, 2012 9:00 A.M.

St. Mary's offers a variety of programs with different rates and terms to assist you in meeting your financing goals.

We look forward to the opportunity to provide you with a customized quote. Call us today at 888-705-9596.

Rates are subject to change without notice. *Annual Percentage Rate (APR) on Conventional loans assumes a 20% down payment on a loan amount of $175,000 for term indicated. *Annual Percentage Rate (APR) on FHA loans assumes a 3.5% down payment on a loan amount of $175,000 for term indicated. *Annual Percentage Rate (APR) on VA loans assumes 0% down payment on a loan amount of $175,000 for term indicated.

PLEASE NOTE: The information displayed below is subject to change without notice. Mortgage loans with a down payment of less than 20% require mortgage insurance. Mortgage insurance may increase the APR and monthly mortgage payment. Monthly payments per $1,000 represent principal and interest payments only. Interest rates and points are not "automatically" locked in at time of application, additional processing of the application is necessary.

Apply for your mortage.

Loan TypeInterest RatePointsAPR*Minimum Down PaymentMonthly Payment per $1,000
30 Year Fixed**
Based on 360 monthly payments		3.750%0.7503.835%5%$4.63
3.875%0.0003.898%5%$4.70
20 Year Fixed**
Based on 240 monthly payments		3.625%0.6253.728%5%$5.86
3.750%0.0003.782%5%$5.91
15 Year Fixed**
Based on 180 monthly payments		3.125%0.2503.201%5%$6.96
3.250%0.0003.290%5%$7.02
10 Year Fixed**
Based on 120 monthly payments		3.000%0.0003.058%5%$9.65
5/1 Year ARM**
Based on 360 monthly payments 2% annual 5% lifetime cap		2.750%0.0003.513%5%$4.14 first 60 mos.
7/1 Year ARM**
Based on 360 monthly payments 2% annual 5% lifetime cap		3.000%0.0003.502%5%$4.22 first 84 mos.
10/1 Year ARM**
Based on 360 monthly payments 2% annual 5% lifetime cap		3.375%0.0003.601%5%$4.42 first 120 mos.
VA Loan*
Based on 360 monthly payments		3.750%.2504.597%0%$4.63
FHA Loan*
Based on 360 monthly payments		3.750%0.0004.574%3.5%$4.63
NHHFA Loan
Based on 360 monthly payments		3.625%2.0004.619%3.5%$4.56
3.750%1.0004.665%3.5%$4.63
3.875%0.0004.707%3.5%$4.707
3/1 Year ARM** Home Loan Payment Relief (HLPR)
Based on 360 monthly payments 1% annual, 5% lifetime cap		2.375%0.0002.795%3%$3.88
5/1 Year ARM** Home Loan Payment Relief (HLPR)
Based on 360 monthly payments 1% annual, 5% lifetime cap		2.250%0.0003.307%3%$3.82
7/1 Year ARM** Home Loan Payment Relief (HLPR)
Based on 360 monthly payments 1% annual, 5% lifetime cap		2.500%0.0003.257%3%$3.95
Jumbo** ($417,001 to $850,000)
Based on 180 monthly payments		4.000%0.004.017%20%$7.37
Jumbo** ($417,001 to $850,000)
Based on 360 monthly payments		4.750%0.004.760%20%$5.22
Land Loan** 1 Year ARM
Based on 180 monthly payments 2% annual, 6% lifetime cap		6.625%0.0003.886%20%$8.77 first 12 mos.

*Low rate guarantee: If a lower FHA or VA loan rate is found, St. Mary's Bank will lower its posted rate by up to 1/8 percent. Current Good Faith Estimate from competing lender required.

**The rates listed above include a .125% reduction for having an Automatic Funds Transfer of your mortgage payment from a St. Mary's Bank Checking Account.

  • The rates on Adjustable Rate Mortgage (ARM) products are subject to increase at a future date after consummation of the loan.
  • Additional programs and pricing tiers are available. Please contact us for specific terms.
  • Rates are based on a 45 day rate lock, excluding FHA, VA & NHHFA.
  • Mortgage rates above reflect loans for single family detached, owner occupied-residential properties. These mortgage rates are based upon various assumptions and conditions which include a consumer credit score which may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and credit profile up to the time of closing.
  • To become a member of St. Mary's Bank, you must purchase one $5.00 share of capital stock.