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Jumbo Financing

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Go big or go home? With our jumbo loans, you can do both – secure the spacious, high-end property you've always wanted and make it your home. Our Jumbo Loans offer maximum financing flexibility with competitive rates and quick turnaround for your New Hampshire, Massachusetts, or Maine home purchase.

  • Low down payment requirement
  • Loan amounts of $766,551 to $1.5M
  • Fixed-rate and adjustable-rate options
  • Convenient local processing, underwriting and servicing
  • 95% financing available for single-family primary residence properties
  • Financing available for single-family primary residence, second, condominiums, and PUD homes
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Check Mortgage Rates

Compare mortgage rates and ask us about your financing options.
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Apply for a Jumbo Mortgage

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15 vs. 30 Year Term

Not sure which term makes the most sense for your situation? Use this handy calculator to see what it means in the short term, and the long term.

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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    Disclaimer:

    Jumbo loans available for single-family residential, condos and PUDs (seasonal, investment, multiunit and manufactured homes not eligible) in New Hampshire, Massachusetts, or Maine. Second homes are required to be suitable for year-round use, utilities, and property access; property must possess adequate plumbing, heating & cooling systems, and electrical services. Any property that is not suitable for year-round occupancy, regardless of location, is unacceptable for this loan type. Max. Loan To Value (LTV) 95% with (Private Mortgage Insurance) PMI, max LTV without PMI 80%. Second home loan amount will vary based on LTV and/or property type. Limited Cash Out Refinance max. LTV 80%, Cash Out Refinance max. LTV 70%. PMI required on all loan transactions with LTV greater than 80%. Rates will depend on specific characteristics of loan transaction and credit profile up to closing date.