Third Federal Savings & Loan
There are several ways to lower your monthly mortgage payment. Refinancing to a lower rate is certainly one of them. Some homeowners refinance into a different type of mortgage, like a Smart Rate adjustable rate mortgage, to reduce their monthly payment. And, homeowners with just a few years remaining on their current mortgage sometimes refinance into a longer term mortgage in order to reduce their monthly payment.
Rates for April 25, 2025
All Mortgage Rates 0 Points
| Product | Rate | APR |
|---|---|---|
| 10 Year Fixed Rate | 6.040% | 6.146% |
| 10 Year Low Cost Fixed Rate | 6.540% | 6.540% |
| 5/1 ARM (15 year) | 6.190% | 6.387% |
| 5/1 ARM (15 year) Low Cost | 6.640% | 6.585% |
| 15 Year Fixed Rate | 5.990% | 6.065% |
| 15 Year Low Cost Fixed Rate | 6.440% | 6.439% |
| 3/1 ARM (15 year) | 5.940% | 6.348% |
| 3/1 ARM (15 year) Low Cost | 6.390% | 6.455% |
| Product | Rate | APR |
|---|---|---|
| 5/1 ARM (30 year) | 6.250% | 6.446% |
| 5/1 ARM (30 year) Low Cost | 6.700% | 6.580% |
| 5/1 ARM (15 year) | 6.190% | 6.387% |
| 5/1 ARM (15 year) Low Cost | 6.640% | 6.585% |
| 3/1 ARM (30 year) | 5.990% | 6.414% |
| 3/1 ARM (30 year) Low Cost | 6.440% | 6.484% |
| Product | Rate | APR |
|---|---|---|
| 3/1 ARM (15 year) Low Cost | 6.390% | 6.455% |
| 3/1 ARM (30 year) Low Cost | 6.440% | 6.484% |
| 5/1 ARM (15 year) Low Cost | 6.640% | 6.585% |
| 5/1 ARM (30 year) Low Cost | 6.700% | 6.580% |
| 10 Year Low Cost Fixed Rate | 6.540% | 6.540% |
| Product | Rate | APR |
|---|---|---|
| 5/1 ARM (30 year) | 6.250% | 6.446% |
| 5/1 ARM (30 year) Low Cost | 6.700% | 6.580% |
| 3/1 ARM (30 year) | 5.990% | 6.414% |
| 3/1 ARM (30 year) Low Cost | 6.440% | 6.484% |
Mortgage Refinance
At Third Federal, we provide genuinely low rates and closing costs without any tricks or undisclosed mark-ups.
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