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Rate Relock

Our Smart Rate Adjustable Rate Mortgage comes with a unique feature built in. We call it Rate Relock. It allows you to relock your rate to our current rate for another three or five years anytime during the entire life of your loan without the hassle of a traditional refinance. At $295, it’s a fraction of the cost of a traditional refinance, which can cost $2,500 or more. You can relock your rate for another three or five years as often as you like, any time you like, so that you’re never without a three- or five-year fixed rate commitment. With Rate Relock, you’ll never have to refinance again!

With Rate Relock, unlike a traditional refinance, there’s no need for an application, income documentation, appraisal, or credit check. Using your Rate Relock is as simple as answering the questions below. A loan officer will contact you and take care of the rest.

Using your Rate Relock is as simple as following these 4 steps:


Request a Rate Relock anytime you like


Pay a low cost of $295


Your new interest rate will be relocked at our current rate


Your new interest rate will go into effect the month following your request

To request your rate relock,
call us at: 1-800-THIRD-FED or email us

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If you have questions, please give us a call at 1-800-THIRD-FED.
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