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Buy a Home

Turn Homeownership into Reality — With a Mortgage That Fits You
Apply Now Contact a Mortgage Specialist

At St. Mary’s Bank, we make it easier to buy, build, or invest in the home you want — with affordable financing options designed to fit your needs. Whether you’re a first-time buyer or a seasoned homeowner, our flexible mortgage solutions help you move forward with confidence.

  • Construction-to-permanent financing (New Hampshire only)
  • First-time home buyer programs
  • Manufactured (Mobile) Homes
  • Condominium financing
  • Land Loans
  • Investment Property Loans
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Check Mortgage Rates

Compare mortgage rates and ask us about your financing options.
View Rates

Featured Programs

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First Time Homebuyers

Yes, you are ready - and we'll be with you every step of the way.
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Construction Financing

One rate. One closing. One loan. A simpler way to finance your build.
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Investment Properties

Smart financing for your next investment property.

Get Pre-Approved or Apply for a Mortgage

 Ready to finish your application?  Log in to complete.
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Grab a Quick Quote

Input your information and receive a quick estimate of potential loan terms. This tool provides instant access to personalized mortgage loan details moving you one step closer to homeownership.

The quick quote tool does not offer quotes for all programs offered by St. Mary's Bank. For more information on construction, land loans, and New Hampshire Housing programs, please contact a mortgage specialist.

Get Started Contact a Mortgage Specialist

Our Mortgage Specialists

Meet our experienced mortgage team. With decades of combined experience, our mortgage loan specialists are dedicated to providing exceptional service and a seamless experience from application to closing.

FAQs

How do I view my mortgage details in Online/Mobile Banking?

    To view your mortgage details:

    • Select your mortgage account in Online or Mobile Banking. 
    • Click “View Transactions”. 
    • Access your full mortgage details, documents, and available tools.

    (Your loan details are powered by our mortgage servicing system, FICS.) 
    What mortgage information and tools are available in Online Banking?

    Within your mortgage account, you can: 

    • View and download important documents, such as 1098s and escrow analyses. 
    • Review year-to-date balances and detailed loan information.
    • Make a one-time payment from another financial institution.
    • Make a principal-only payment from another financial institution.  
    How do I make my regular mortgage payment?

    If you already have recurring mortgage payments set up through St. Mary’s Bank, those payments will continue automatically—no action is needed.

    Before making additional payments, keep in mind:

    • One-time or principal-only payments made through the FICS portal are processed separately.  
    • Partial mortgage payments are not accepted in the FICS portal.  
    • Recurring payments set up through St. Mary’s Bank cannot be edited in this area.

    If you need help adjusting your payments, please call our Member Contact Center at (888) 786-2791. 
    How do I make a mortgage payment from another bank account?

    You can make one-time or recurring payments from a non–St. Mary’s Bank account through Online Banking using the FICS platform.

    Important: If you already have an automatic payment set up with St. Mary’s Bank, it will still process as scheduled—even if you make additional payments through the FICS portal or the Transfers section in Online Banking. 
    How do I make a principal-only payment on my mortgage?

    You can make a principal-only payment through Online Banking using the FICS portal.

    • Select your mortgage account. 
    • Choose the option to make a principal-only payment.
    • Use an external (non–St. Mary’s Bank) account to complete the payment. 
    Important: 
    Principal-only payments are processed separately from your regular monthly payment and do not replace it.

     

     

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