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 October 24, 2025
All Mortgage Rates 0 Points
| Product | Rate | APR |
|---|---|---|
| 5/1 ARM (30 year) | 5.890% | 6.750% |
| 3/1 ARM (30 year) | 5.690% | 6.887% |
| 5/1 ARM (15 year) | 5.690% | 6.382% |
| Product | Rate | APR |
|---|---|---|
| 30 Year Low Cost Fixed Rate | 6.440% | 6.446% |
| 15 Year Low Cost Fixed Rate | 5.740% | 5.750% |
| 10 Year Low Cost Fixed Rate | 5.890% | 5.905% |
| 5/1 ARM (30 year) Low Cost | 6.240% | 6.849% |
| 3/1 ARM (30 year) Low Cost | 6.040% | 6.938% |
| 5/1 ARM (15 year) Low Cost | 6.040% | 6.527% |
| 3/1 ARM (15 year) Low Cost | 5.940% | 6.726% |
| Product | Rate | APR |
|---|---|---|
| 30 Year Fixed Rate | 6.090% | 6.136% |
| 15 Year Fixed Rate | 5.390% | 5.465% |
| 10 Year Fixed Rate | 5.440% | 5.546% |
| Product | Rate | APR |
|---|---|---|
| 30 Year Fixed Rate | 6.125% | 6.138% |
| 15 Year Fixed Rate | 5.490% | 5.512% |
| 10 Year Fixed Rate | 5.440% | 5.471% |
| 5/1 ARM (30 year) | 5.890% | 6.717% |
| 3/1 ARM (15 year) | 5.590% | 6.596% |
| 5/1 ARM (15 year) | 5.690% | 6.328% |
Mortgage Refinance
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