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 December 08, 2025
All Mortgage Rates 0 Points
| Product | Rate | APR |
|---|---|---|
| 5/1 ARM (30 year) | 5.890% | 6.602% |
| 3/1 ARM (30 year) | 5.690% | 6.705% |
| 5/1 ARM (15 year) | 5.690% | 6.283% |
| Product | Rate | APR |
|---|---|---|
| 30 Year Low Cost Fixed Rate | 6.390% | 6.396% |
| 15 Year Low Cost Fixed Rate | 5.790% | 5.800% |
| 10 Year Low Cost Fixed Rate | 5.790% | 5.805% |
| 5/1 ARM (30 year) Low Cost | 6.190% | 6.681% |
| 3/1 ARM (30 year) Low Cost | 5.990% | 6.743% |
| 5/1 ARM (15 year) Low Cost | 5.990% | 6.399% |
| 3/1 ARM (15 year) Low Cost | 5.890% | 6.559% |
| Product | Rate | APR |
|---|---|---|
| 30 Year Fixed Rate | 6.090% | 6.135% |
| 15 Year Fixed Rate | 5.490% | 5.564% |
| 10 Year Fixed Rate | 5.440% | 5.545% |
| Product | Rate | APR |
|---|---|---|
| 30 Year Fixed Rate | 6.125% | 6.138% |
| 15 Year Fixed Rate | 5.590% | 5.611% |
| 10 Year Fixed Rate | 5.440% | 5.471% |
| 5/1 ARM (30 year) | 5.890% | 6.570% |
| 3/1 ARM (15 year) | 5.590% | 6.449% |
| 5/1 ARM (15 year) | 5.690% | 6.230% |
Mortgage Refinance
At Third Federal, we provide genuinely low rates and closing costs without any tricks or undisclosed mark-ups.
Borrowing Help Center
Get tips on smart borrowing, monitor rates, and learn about our home buying seminars.
