Rates

Mortgage Rates - NH

Rate information is current as of: July 25, 2014 10:00 A.M.

Rates are subject to change without notice.

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.

Apply for your mortage.

Loan TypeInterest RatePointsAPR*Minimum Down PaymentMonthly Payment per $1,000
30 Year Fixed (1,2,3)
Based on 360 monthly payments
Ask about SMB's No closing cost refinance rate
4.125%0.5004.190%5%$4.85
4.250%0.0004.273%5%$4.92
20 Year Fixed (1,2,3)
Based on 240 monthly payments
Ask about SMB's No closing cost refinance rate
3.875%0.5003.965%5%$5.97
4.000%0.0004.032%5%$6.04
15 Year Fixed (1,2,3)
Based on 180 monthly payments
3.125%0.7503.274%5%$6.96
3.250%0.0003.290%5%$7.02
10 Year Fixed (1,2,3)
Based on 120 monthly payments
3.000%0.0003.058%5%$9.65
3/3 Year ARM (1,2,3,4)
Based on 360 monthly payments 2%annual 6% lifetime cap
2.875%0.0003.247%5%$4.15 first 36 mos.
5/5 Year ARM (1,2,3,4)
Based on 360 monthly payments 3% annual 6% lifetime cap
3.000%0.0003.237%5%$4.22 first 60 mos.
7/1 Year ARM (1,2,3,4)
Based on 360 monthly payments 2% annual 5% lifetime cap
3.250%0.0003.318%5%$4.35 first 84 mos.
10/1 Year ARM (1,2,3,4)
Based on 360 monthly payments 2% annual 5% lifetime cap
3.625%0.0003.541%5%$4.56 first 120 mos.
VA Loan (2,3)
Based on 360 monthly payments
4.000%0.0005.591%0%$4.77
FHA Loan (2,3)
Based on 360 monthly payments
4.000%0.0005.110%3.5%$4.77
Rural Development (2,3)
Based on 360 monthly payments
4.000%0.0004.479%0%$4.77
NHHFA Loan (2,3)
Based on 360 monthly payments
4.625%0.0005.771%3.5%$5.14
5/1 Year ARM Welcome Home (First Time Homebuyer Program) (1,2,3,4)
Based on 360 monthly payments 1% annual, 5% lifetime cap
3.000%0.0003.224%3%$4.22
Jumbo ($417,001 to $850,000) (1,2,3)
Based on 180 monthly payments
3.500%0.0003.517%20%$7.13
Jumbo ($417,001 to $850,000) (1,2,3)
Based on 360 monthly payments
4.500%0.0004.510%20%$5.07
Land Loan 1 Year ARM (1,2,3,4)
Based on 180 monthly payments 2% annual, 6% lifetime cap
4.750%0.0003.414%20%$7.78 first 12 mos.

(1) 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. Rates assume a 25% down payment, and a credit score of 740 or greater.

(2) Annual Percentage Rate (APR) on Conventional loans assumes a 25% 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. APR on Jumbo loans assumes a 25% down payment on a loan amount of $500,000 for term indicated.

(3) 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.

(4) The rates on Adjustable Rate Mortgage (ARM) products are subject to increase at a future date after consummation of the loan, based on ARM program.

Additional Information:

  • Additional programs and pricing tiers are available. Please contact us for specific terms.
  • Conventional rates are based on a 45 day rate lock. NHHFA rates are based on a 45 day rate lock FHA/VA/RD rates are based on a 60 day rate lock
  • 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.
  • Down Payment Assistance:

    The Equity Builder Program provides income-eligible households with funds to cover down payments and closing costs. The funds can also be used for homebuyer counseling and rehabilitation assistance.

    Contact a mortgage representative for details and to learn if you qualify.

    Apply for your mortage.

    PLEASE NOTE: The information displayed above 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. Payment amounts do not include amounts for taxes and insurance, and actual payments may be greater. 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.