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 July 09, 2025
All Mortgage Rates 0 Points
| Product | Rate | APR |
|---|---|---|
| 5/1 ARM (30 year) | 6.200% | 7.018% |
| 3/1 ARM (30 year) | 5.990% | 7.146% |
| 5/1 ARM (15 year) | 6.090% | 6.718% |
| 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 (30 year) Low Cost | 6.500% | 7.098% |
| 3/1 ARM (30 year) Low Cost | 6.290% | 7.184% |
| 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 |
|---|---|---|
| 30 Year Fixed Rate | 6.440% | 6.486% |
| 15 Year Fixed Rate | 5.840% | 5.914% |
| 10 Year Fixed Rate | 5.740% | 5.845% |
| Product | Rate | APR |
|---|---|---|
| 30 Year Fixed Rate | 6.625% | 6.638% |
| 15 Year Fixed Rate | 5.965% | 5.986% |
| 10 Year Fixed Rate | 5.740% | 5.771% |
| 5/1 ARM (30 year) | 6.200% | 6.986% |
| 3/1 ARM (15 year) | 5.890% | 6.863% |
| 5/1 ARM (15 year) | 6.090% | 6.665% |
Mortgage Refinance
At Third Federal, we provide genuinely low rates and closing costs without any tricks or undisclosed mark-ups.
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