Third Federal Savings & Loan
Federal law requires that PMI payment be eliminated from your mortgage when your loan-to-value reaches 78% based on amortization. For most homeowners, this takes about 10 years. The good news is that most homeowners don't have to wait that long. As your home appreciates over time you can often eliminate PMI by refinancing. Even better than that is Third Federal offers several low cost mortgages that make refinancing extremely affordable.
Rates for July 09, 2025
All Mortgage Rates 0 Points
| Product | Rate | APR |
|---|---|---|
| 30 Year Low Cost Fixed Rate | 6.740% | 6.746% |
| 15 Year Low Cost Fixed Rate | 6.140% | 6.150% |
| 10 Year Low Cost Fixed Rate | 6.090% | 6.105% |
| 5/1 ARM (15 year) Low Cost | 6.390% | 6.834% |
| 3/1 ARM (15 year) Low Cost | 6.190% | 6.973% |
| Product | Rate | APR |
|---|---|---|
| 5/1 ARM (15 year) | 6.090% | 6.718% |
| 3/1 ARM (15 year) | 5.890% | 6.917% |
| 5/1 ARM (30 year) | 6.200% | 7.018% |
| 3/1 ARM (30 year) | 5.990% | 7.146% |
| Product | Rate | APR |
|---|---|---|
| 15 Year Fixed Rate | 5.840% | 5.914% |
| 30 Year Fixed Rate | 6.440% | 6.486% |
| 10 Year Fixed Rate | 5.740% | 5.845% |
Mortgage Refinance
At Third Federal, we provide genuinely low rates and closing costs without any tricks or undisclosed mark-ups.
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