Lock in today's low rates, even before you find a house!
- Third Federal locks your mortgage rate at preapproval, even before you find a house or get a mortgage loan.1
- If mortgage rates happen to go even lower, you can get the lower rate just by asking.
- $0 closing cost options2
- Get the lowest rate guaranteed3
- Put 5% down without Private Mortgage Insurance or as little as 3% down with PMI4
- $750 off closing costs for first time homebuyers4
- Buy Now. Refi Later for free5
| Product | Rate | APR |
|---|---|---|
| 30 Year Fixed Rate | 6.090% | 6.099% |
| 30 Year Low Cost Fixed Rate | 6.390% | 6.397% |
| 5/1 ARM (30 year) | 5.790% | 6.389% |
| 5/1 ARM (30 year) Low Cost | 6.090% | 6.494% |
Rates are based on market conditions and are subject to change. Above rates and programs for purchases with automatic payment program on owner-occupied primary residences. Rates available for loan amounts between $110,000-$832,750. Annual Percentage Rate (APR) reflects 85% LTV based on appraisal or sale price, whichever is lower. 1Preapproval rate lock begins at time of preapproval application. Rate lock is good for 60 days. 2$0 closing costs available for low cost mortgages. $495 off fully costed mortgages. Closing cost discount valid on loan amounts up to $832,750. 3See conditions for Lowest Rate Guarantee at thirdfederal.com, or call 1-877-835-4250. 4At least one borrower must be a First Time Homebuyer to receive 3% down and $750 closing cost discount off of our fully costed loans. 5Free refinance is good for $495 off a low-cost or a fully costed refinance, or $495 off a Smart Rate Adjustable rate relock. Offer must be exercised by June 30, 2027. Borrowers are responsible for mortgage taxes, homeowners insurance, real estate taxes and other taxes, if applicable. 6$50 offer consists of $25 Gift Card to The Home Depot® provided upon approval for purchase mortgage or preapproval plus additional $25 Gift Card provided after mortgage is closed. Third Federal is not affiliated with The Home Depot®. The Home Depot® is not a sponsor of this promotion. The Home Depot® is a registered trademark of Home Depot Product Authority, LLC. ©2026 Third Federal.
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