Get a great low rate and pay only $495 in closing costs with low cost products!
Third Federal's Smart Rate offers a lower interest rate than a fixed loan rate - typically more than 1% lower. This lower rate saves you thousands over the first three or five years.
We also offer low cost options, where closing costs can be as little as $495. You only pay $495 in closing costs. We pay everything else, including:
We also offer low cost options, where closing costs can be as little as $495. You only pay $495 in closing costs. We pay everything else, including:
- Title insurance fee
- Notary fee
- Recording fee
- Processing fee
- Appraisal fee
- Settlement fee
- Application fee
- Underwriting fee
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.
Borrowers are required to pay doc stamps and other taxes, if applicable. Click here to view disclosures.
Rates for October 19, 2025
All Mortgage Rates 0 Points
| Product | Rate | APR |
|---|---|---|
| 5/1 ARM (30 year) | 5.890% | 6.749% |
Open a Third Federal Smart Rate Mortgage by October 10 & get a $50 Gift Card to The Home Depot®
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.
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.
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