Get a great low refinance rate and pay only $495 in closing costs with our low cost mortgages!
Third Federal offers lower interest rates on both fixed and Smart Rate adjustable mortgages. Plus with our low cost mortgages, you can pay as little as $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.
Click here to view disclosures.
Mortgage Refinance Rates for July 12, 2025
All Mortgage Rates 0 Points
| Product | Rate | APR |
|---|---|---|
| 30 Year Fixed Rate | 6.440% | 6.486% |
| 15 Year Fixed Rate | 5.840% | 5.914% |
| 10 Year Low Cost Fixed Rate | 6.090% | 6.105% |
| 5/1 ARM (30 year) Low Cost | 6.500% | 7.098% |
Open a Third Federal Smart Rate or 10 Year Fixed Mortgage by July 27 & 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.
Prefer to Speak With a Representative
Click to Speak with a Representative
Request a Call Back
To receive a call from a representative,
fill out the form below.
