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Investment Property Loans

Contact a Mortgage Specialist

Ready to invest in real estate, but unsure of your financing options? Discover the perfect loan program to match your investment goals, whether you’re looking to buy a rental home, apartment building, office, or retail space. Let our experienced loan officers help you find the best financing solution for your residential or commercial investment property.

Residential

  • 1 to 4 unit properties
  • Attractive terms, both adjustable and fixed-rate programs

Commercial

  • 5+ unit residential buildings and mixed-use properties for investment purposes

Apply for Investment Property Loan

 

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.

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Launch Your Career with a St. Mary's Bank Summer Internship

Jim Notaro, Sr. VP Digital Experience

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Jim Notaro Joins St. Mary’s Bank to Lead a Modern, Member-First Digital Experience

Elliott Hale, Business Development Officer

Team News

Service Built from Experience: Small Business Owner Elliott Hale Joins St. Mary’s Bank as Business Development Officer

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.