Mortgage Rates

Rate information is current as of: May 27, 2022 12:45 P.M. and subject to change periodically throughout the day without notice.

Mortgage programs published on this page are for properties in New Hampshire and Maine unless noted (New Hampshire Housing Programs and Construction Programs are limited to New Hampshire Properties). For properties in Massachusetts, contact a Mortgage Specialist.

For assistance, please email a Mortgage Specialist or call: 1-888-705-9596.

Loan Type	Interest Rate	Points	APR*	Minimum Down Payment	Monthly Payment per $1,000 (excludes taxes & insurance)**
30 Year Conventional Fixed Purchase (1,2,3)
30 Year Conventional Fixed Purchase (1,2,3)	5.000%	0.000	5.079%	5%	$5.37
20 Year Conventional Fixed Purchase (1,2,3)
20 Year Conventional Fixed Purchase (1,2,3)	4.750%	0.000	4.857%	5%	$6.46
15 Year Conventional Fixed Purchase (1,2,3)
15 Year Conventional Fixed Purchase (1,2,3)	4.375%	0.000	4.510%	5%	$7.59
10 Year Conventional Fixed Purchase (1,2,3)
10 Year Conventional Fixed Purchase (1,2,3)	4.375%	0.000	4.569%	5%	$10.30
3/3 Year ARM (1,2,3,4)
3/3 Year ARM (1,2,3,4)	3.875%	0.000	5.174%	5%	$4.70 first 36 mos.
5/5 Year ARM (1,2,3,4)
5/5 Year ARM (1,2,3,4)	4.000%	0.000	5.050%	5%	$4.77 first 60 mos.
7/1 Year ARM (1,2,3,4)
7/1 Year ARM (1,2,3,4)	4.125%	0.000	4.562%	5%	$4.85 first 84 mos.
10/1 Year ARM (1,2,3,4)
10/1 Year ARM (1,2,3,4)	4.250%	0.000	4.539%	5%	$4.92 first 120 mos.
NHHFA Gov’t Loans (2,3)
NHHFA Gov’t Loans (2,3)	6.250%	0.000	7.141%	3%	$6.15
NHHFA Preferred (2,3)
NHHFA Preferred (2,3)	5.250%	0.000	5.669%	3%	$5.37
NHHFA Preferred Plus (2,3)
NHHFA Preferred Plus (2,3)	6.500%	0.000	6.943%	3%	$6.32
5/1 Year ARM Welcome Home (First Time Homebuyer Program) (1,2,3,4)
	3.750%	0.000	4.502%	3%	$4.63
Jumbo 30 Year Fixed ($647,201 to $1,500,000) (1,2,3)
Jumbo 30 Year Fixed ($647,201 to $1,500,000) (1,2,3)	5.000%	0.000	5.025%	20%	$5.37
Jumbo 15 Year Fixed ($647,201 to $1,500,000) (1,2,3)
Jumbo 15 Year Fixed ($647,201 to $1,500,000) (1,2,3)	4.375%	0.000	4.418%	20%	$7.59
Jumbo 5/5 Year Arm (1,2,3,4)
Jumbo 5/5 Year Arm (1,2,3,4)	4.000%	0.000	4.998%	20%	$4.77
Jumbo 7/1 Year Arm (1,2,3,4)
Jumbo 7/1 Year Arm (1,2,3,4)	4.125%	0.000	4.510%	20%	$4.85
Jumbo 10/1 Year Arm (1,2,3,4)
Jumbo 10/1 Year Arm (1,2,3,4)	4.250%	0.000	4.487%	20%	$4.99
Land Loan 1 Year ARM (1,2,3,4)
Land Loan 1 Year ARM (1,2,3,4)	7.000%	0.000	7.145%	20%	$9.05 first 12 mos.
SNAP Refinance 10 Year (5)
SNAP Refinance 10 Year (5)	4.875%	0.000	4.875%	0%	$10.36
SNAP Refinance 15 Year (5)
SNAP Refinance 15 Year (5)	4.875%	0.000	4.875%	0%	$7.84
Construction/Renovation 7/1 Arm (1,2,3,4)
Construction/Renovation 7/1 Arm (1,2,3,4)	4.375%	0.000	4.629%	3%	$4.99
Construction/Renovation 10/1 Arm (1,2,3,4)
Construction/Renovation 10/1 Arm (1,2,3,4)	4.500%	0.000	4.643%	3%	$5.07
Construction/Renovation 15 Year Fixed (1,2,3,4)
Construction/Renovation 15 Year Fixed (1,2,3,4)	4.625%	0.000	4.761%	3%	$7.71
Construction/Renovation 30 Year Fixed (1,2,3,4)
Construction/Renovation 30 Year Fixed (1,2,3,4)	5.250%	0.000	5.331%	3%	$5.52
Jumbo Construction/Renovation 15 Year Fixed (1,2,3,4)
Jumbo Construction/Renovation 15 Year Fixed (1,2,3,4)	4.625%	0.000	4.668%	3%	$7.71
Jumbo Construction/Renovation 30 Year Fixed (1,2,3,4)
Jumbo Construction/Renovation 30 Year Fixed (1,2,3,4)	5.250%	0.000	5.276%	3%	$5.52

Important Disclosures, Assumptions and APY information

(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 40% down payment, and a credit score of 740 or greater.
(2) Annual Percentage Rate (APR) on Conventional 20 year and 30 year fixed rate loans assumes a 40% down payment on a loan amount of $175,000 for term indicated. Annual Percentage Rate (APR) on Conventional 10 year and 15 year fixed rate loans assumes a 25% down payment on a loan amount of $175,000 *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 40% down payment on a loan amount of $647,201 for term indicated. NHHFA-NH Housing preferred products assume a 3% down payment.
(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, and as a result of the rate changes, payment amounts can also change, based on ARM program.
(5) If loan is paid in full and closed within 36 months of origination, you may be required to reimburse St. Mary's Bank for any closing costs paid on your behalf. These costs are indicated on the Loan Estimate as Lender Credits. Annual Percentage Rate (APR) on SNAP rate and term refinance loans assume a loan to value ratio of 80.0% on a loan amount of $175,000 for term indicated.

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.

PLEASE NOTE: The information displayed above applies to properties within the state of New Hampshire only, and 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.