Get preapproved at Third Federal and get a $50 gift card to The Home Depot®!
- 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
Since 1938, Third Federal has been helping families by providing lower mortgage rates and closing costs. We never sell the servicing of our loans so you always know who to call. These are just a few of the reasons Consumer Reports ranks us #6 in the nation among large and mid-sized banks.
| Product | Rate | APR |
|---|---|---|
| 5/1 ARM (30 year) | 5.790% | 6.389% |
| 5/1 ARM (30 year) Low Cost | 6.090% | 6.494% |
| 3/1 ARM (30 year) | 5.640% | 6.485% |
| 3/1 ARM (30 year) Low Cost | 5.940% | 6.547% |
Get a $25 Home Depot® gift card at preapproval and another $25 Home Depot® gift card after your loan closes!
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.
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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