Mortgage Loan Rates

Effective 23rd November 2025

NMLS# 410428   (609)463-5210

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Kate Thomer Residential Lending Officer

NMLS# 2490331 (609) 463-5213

Jodi L King  AVP/Residential & Consumer Lending Officer

NMLS# 2646927 (609) 463-5214

Chuck Meachon VP/Residential Lending Manager

NMLS# 475540   (609) 463-5212

Fixed-Rate Mortgage Loans

Loan ProgramInterest RatePointsAnnual Percentage Rate (APR)Monthly Payment Per $100,000Maximum Loan AmountsDown Payment Amount
30-Year Fixed
6.250%
0
6.352%
$ 615.72
$ 806,500
20%
30-Year Fixed
6.250%
0
6.352%
$ 615.72
$ 3,500,000
25%
20-Year Fixed
6.125%
0
6.259%
$ 723.66
$ 806,500
20%
20-Year Fixed
6.125%
0
6.259%
$ 723.66
$ 3,500,000
25%
15-Year Fixed
6.000%
0
6.167%
$ 843.86
$ 806,500
20%
15-Year Fixed
6.000%
0
6.167%
$ 843.86
$ 3,500,000
25%

Payment examples do not include taxes or insurance premiums, and actual payment obligations may be greater.

Adjustable-Rate Mortgage (ARM) Loans

Loan ProgramInterest RatePointsAnnual Percentage Rate (APR)*Maximum Loan AmountsDown Payment
3/3 ARM**
4.990%
0
6.031%
$806,500
20%
3/3 ARM**
4.990%
0
6.031%
$2,500,000
25%
3/3 ARM**
4.990%
0
6.031%
$3,500,000
30%
5/5 ARM***
5.500%
0
6.134%
$806,500
20%
5/5 ARM***
5.500%
0
6.134%
$2,500,000
25%
5/5 ARM***
5.500%
0
6.134%
$3,500,000
30%

*The annual percentage rate is subject to increase after the initial fixed-rate period (3 yrs for the 3/3 and 5 yrs for the 5/5).

**The 3/3 ARM offers a fixed rate for the initial period of the loan and adjusts to a three-year ARM after that period. The interest rate and monthly payment may adjust on every three-year anniversary based on the weekly average yield on United States Treasury securities adjusted to a constant maturity of 3 years (the index=3 yr Treasury Bill currently at 3.56%), plus a margin of 2.75 percentage points.
Payment Example: A $100,000 mortgage loan will be paid in 360 monthly installments.

  • 36 payments of $536.21 at the interest rate of 4.99%
  • 323 payments of $609.85 at the interest rate of 6.25%
  • 1 payment of $605.90 at the interest rate of 6.25%

***The 5/5 ARM offers a fixed rate for the initial period of the loan and adjusts to a five-year ARM after that period. The interest rate and monthly payment may adjust on every five-year anniversary based on the weekly average yield on United States Treasury securities adjusted to a constant maturity of 5 years (the index= 5 yr Treasury currently at 3.67), plus a margin of 2.75 percentage points.
Payment Example: A $100,000 mortgage loan will be paid in 360 monthly installments.

  • 60 payments of $567.79 at the interest rate of 5.50%
  • 299 payments $617.10 at the interest rate of 6.375%
  • 1 payment of $615.17 at the interest rate of 6.375%

Payment examples do not include taxes or insurance premiums, and actual payment obligations may be greater.

The interest rate and annual percentage rate (APR) accurate as of 23rd November 2025 and are subject to change without notice. Private Mortgage Insurance is required on loan-to-value ratios in excess of 80%. Homeowners insurance and flood insurance (if applicable) are required. All loan applications are subject to credit underwriting and property approval. Other conditions may also apply. Offer may be withdrawn at any time. Sturdy Savings Bank NMLS unique identifier is #410428.

  • Construction permanent loans with one closing available
  • Investment and rental properties – Call for rate/terms
  • Condos and condotels – Call for rate/terms