Mortgage Products

Whether you are purchasing a property or refinancing your current mortgage, St. Mary's Bank is equipped to meet your needs. St. Mary's offers a variety of programs with different rates and terms, so you can choose the mortgage plan that best suits your financial situation.

Our FREE pre-approval program lets you find out just how much home you can afford before you even begin shopping for one. Once you've found your home, contact one of our Mortgage Specialists at 1-888-705-9596 or notify us by e-mail.

Conventional Fixed-Rate Programs
30-, 25-,20-,15- and 10-year terms available. Biweekly (equity builder) available on all of the above.

Adjustable Rate Mortgages (ARMs)
1, 3, 3-1, 5, 5-1 and convertible adjustable rate mortgages available.

Government-Insured and First-Time Buyer Programs
FHA, VA, NHHFA (and "combination" loans).

• No income verification (NIV)  - for self-employed borrowers only, call for more details.
• HLPR Mortgage (Home Loan Payment Relief)
• 40-Year Amortization
• Rehab Loans
• Portfolio
• New and "conversion" condominium financing
• Mixed use and non-conforming loans
• Construction Financing
• Land Loans

Get an interest rate discount on select mortgage programs!
Quoted rates reflect 0.125% off the Conventional Loan Rate (other than biweekly) with Automatic Funds Transfer from a St. Mary's Bank Beyond checking account.

Mortgage loans may also be subject to risk-based pricing adjustments called "Loan-Level Pricing Adjustments"  from Fannie Mae. All loans are priced individually.

Or download a printable application by clicking here.