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Home Refinance

  • Lower your mortgage payment
  • Reduce overall borrowing costs
  • Shorten your mortgage repayment term
  • Partner with experienced mortgage professionals
Apply Online Contact a Mortgage Specialist

Refinance your home loan and free up cash in your monthly budget. We offer flexible programs that save money at closing and throughout the life of the loan.

Mortgage Refinance Options 

Traditional Refinance

Lock-in competitive refinance rates with as little as 3% down. We offer a variety of fixed and adjustable-rate and flexible terms to meet your needs. Select programs receive rate discounts for having an Automatic Funds Transfer of your new mortgage payment from a St. Mary's Bank Checking Account.

SNAP Refinance

Experience a simplified, no closing cost approval process. With express refinancing, you can receive a fixed-rate mortgage with a 10 or 15-year repayment term. Complete a simple online application and receive a fast loan decision.

SNAP Mortgage Refinance available for residential 1-4 unit dwellings, including modular homes, new construction with certificate of occupancy, and warrantable and non-warrantable condominiums in New Hampshire, Massachusetts, Maine (Coops, non-owner occupied/investment property, seasonal homes, manufactured homes, and modular homes located in a park or Coop not eligible). Min. loan amount $75,000, max. loan amount $600,000. Rates will depend on specific characteristics of loan transaction and credit profile up to closing date.

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Check Mortgage Rates

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

Apply for a Refinance

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Mortgage Refinance Calculator

How long will it take to break even on a mortgage refinance? The mortgage refinance calculator helps sort through the confusion and determine if refinancing your mortgage is a sound financial decision.

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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