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What happens if I see a lower purchase mortgage rate at another bank?

For more than 75 years, Third Federal has been a leading mortgage lender. Our mortgage rates are among the lowest. And now with our Lowest Rate Guarantee program, if you find a lower purchase mortgage rate, we’ll beat it or pay you $1,000.*

Here’s how it works:


  • Find a lower rate than ours? We’ll beat it or pay you $1,000.
  • Simply provide us with the other lender’s advertisement, webpage, email, rate sheet, or other documentation of mortgage rates.
  • In most cases, you’ll have a rate decision the same day.
  • And if rates go down further, you can lock again!


  • We can lock your rate at preapproval or before preapproval.
  • We can even lock your rate without an application.
  • We can usually beat and even lock a competitor’s mortgage rate before they can.


  • We can lock your rate prior to preapproval, all the way through closing. You can lock your rate for as long as 120 days on our standard rate lock or 300 days on our extended rate lock. 
*See conditions for Lowest Rate Guarantee at, or call 1-800-THIRD-FED.

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