Home Refinance

Refinance your home loan and free up cash in your monthly budget. We offer flexible programs that save money at closing and throughout the life of the loan.

Mortgage Refinance Options 

Traditional Refinance

Lock-in competitive refinance rates with as little as 3% down. We offer a variety of fixed and adjustable-rate and flexible terms to meet your needs. Select programs receive rate discounts for having an Automatic Funds Transfer of your new mortgage payment from a St. Mary's Bank Checking Account.

SNAP Refinance

Experience a simplified, no closing cost approval process. With express refinancing, you can receive a fixed-rate mortgage with a 10 or 15-year repayment term. Complete a simple online application and receive a fast loan decision.

SNAP Mortgage Refinance available for residential 1-4 unit dwellings, including modular homes, new construction with certificate of occupancy, and warrantable and non-warrantable condominiums in New Hampshire, Massachusetts, Maine (Coops, non-owner occupied/investment property, seasonal homes, manufactured homes, and modular homes located in a park or Coop not eligible). Min. loan amount $75,000, max. loan amount $600,000. Rates will depend on specific characteristics of loan transaction and credit profile up to closing date.