Mortgage Rates
Rate information is current as of: August 20, 2008
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.
We have more than 50 mortgage programs, and we will do our best to find one that suits your personal needs. If you don't see what you are looking for, call us to request a custom quote.
Annual Percentage Rate (APR) below assumes a 20% down payment on a loan of $175,000 for term indicated. Rates may be lower for larger loans please contact us or call us at 1.888.705.9596 for these special rates.
| Loan Type | Interest Rate | Points | APR* | Minimum Down Payment | Monthly Payment per $1,000 | 30 Year Fixed**
Based on 360 monthly payments | 6.250% | 2.125 | 6.482% | 5% | $6.15 | | 6.375% | 1.250 | 6.522% | 5% | $6.24 | | 6.625% | 0.250 | 6.676% | 5% | $6.40 | 20 Year Fixed**
Based on 240 monthly payments | 6.125% | 2.125 | 6.430% | 5% | $7.24 | | 6.250% | 1.250 | 6.443% | 5% | $7.31 | | 6.625% | 0.000 | 6.660% | 5% | $7.53 | 15 Year Fixed**
Based on 180 monthly payments | 5.625% | 2.125 | 6.001% | 5% | $8.24 | | 5.875% | 1.125 | 6.095% | 5% | $8.37 | | 6.125% | 0.125 | 6.188% | 5% | $8.50 | 10 Year Fixed**
Based on 120 monthly payments | 5.375% | 2.250 | 5.943% | 5% | $10.79 | | 5.625% | 1.250 | 5.974% | 5% | $10.91 | | 6.000% | 0.250 | 6.126% | 5% | $11.10 | 40 Year Fixed**
Based on 480 monthly payments | 6.500% | 2.125 | 6.701% | 5% | $5.85 | | 6.625% | 1.250 | 6.753% | 5% | $5.94 | | 6.875% | 0.250 | 6.920% | 5% | $6.12 | 1 Year ARM**
Based on 360 monthly payments 2% annual, 6% lifetime cap | 4.000% | 2.000 | 4.924% | 5% | $4.77 first 12 mos. | | 4.250% | 1.000 | 4.846% | 5% | $4.92 first 12 mos. | | 4.500% | 0.000 | 4.768% | 5% | $5.07 first 12 mos. | 3/1 Year ARM**
Based on 360 monthly payments 2% annual 6% lifetime cap | 5.125% | 2.250 | 4.969% | 5% | $5.44 first 36 mos. | | 5.375% | 1.250 | 4.941% | 5% | $5.60 first 36 mos. | | 5.625% | 0.250 | 4.913% | 5% | $5.76 first 36 mos. | 5/1 Year ARM**
Based on 360 monthly payments 2% annual 5% lifetime cap | 5.500% | 2.250 | 5.189% | 5% | $5.68 first 60 mos. | | 5.750% | 1.250 | 5.191% | 5% | $5.84 first 60 mos. | | 6.000% | 0.250 | 5.194% | 5% | $6.00 first 60 mos. | VA Loan
Based on 360 monthly payments | 6.625% | 0.250 | 6.861% | 0% | $6.40 | FHA Loan
Based on 360 monthly payments | 6.625% | 0.000 | 6.997% | 3% | $6.40 | NHHFA Loan
Based on 360 monthly payments | 6.150% | 1.000 | 6.724% | 3% | $6.06 | | 6.400% | 0.000 | 7.006% | 3% | $6.22 | Jumbo (over $417,000)
Based on 360 monthly payments | 8.375% | 1.500 | 8.551% | 10% | $7.60 | Construction Loan**
Based on 360 monthly payments | 6.750% | 0.000 | 6.160% | 5% | $6.48 | Land Loan** 1 Year ARM
Based on 180 monthly payments 2% annual, 6% lifetime cap | 7.625% | 0.000 | 5.706% | 20% | $9.34 first 12 mos. |
Rates are subject to change without notice. *Annual Percentage Rate (APR) assumes a 20% down payment on a loan of $175,000 for term indicated **Rates reflect 0.125% off the Conventional Loan Rate (other than Biweekly) with Automatic Funds Transfer from a St. Mary's Bank checking account.
- Pricing is based on loans for owner occupied properties.
- The rate on Adjustable Rate Mortgage (ARM) products is subject to increase after consummation of the loan.
- Additional programs and pricing tiers are available. Please contact us for specific terms.
- Biweekly repayment schedule available on all conventional fixed rate mortgages.
- Rate based on 30 day rate lock, excluding FHA, VA, NHHFA and Jumbos.
- Mortgage loans may also be subject to risk-based pricing adjustments called "Loan-Level Pricing Adjustments" from Fannie Mae. All loans are priced individually
- To become a member of St. Mary's Bank, you must purchase one $5.00 share of capital stock.
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