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Mortgages

The Mortgage Center is a trusted resource for all your home financing needs. Whether you're a first-time buyer or a seasoned homeowner looking to purchase or refinance a property in New Hampshire, Massachusetts, or Maine, we offer a wide variety of options tailored to suit your needs.  
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From Loan Application to the Closing Table, We’ll Be There

Our experienced team is dedicated to guiding you through the process and helping you find the best mortgage option.
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Grab a Quick Quote

Input your information and receive a quick estimate of potential loan terms. This tool provides instant access to personalized mortgage loan details moving you one step closer to homeownership.

The quick quote tool does not offer quotes for all programs offered by St. Mary's Bank. For more information on construction, land loans, and New Hampshire Housing programs, please contact a mortgage specialist. **

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Check Mortgage Rates

Compare mortgage rates and ask us about your financing options.
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Rafael E.

Mortgage Member

As someone new to the United States, buying a house was a daunting task, but Sunshine made the process incredibly smooth and stress-free. Her prompt responses to my numerous questions and her efficiency have been truly remarkable. Thanks to her dedication and expertise, my dream of owning a home became a reality.
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Mortgage Loan Calculator

Use this calculator to generate an estimated amortization schedule for your current mortgage. Quickly see how much interest you could pay and your estimated principal balances. You can even determine the impact of any principal prepayments! Press the "Report" button for a full yearly or monthly amortization schedule.
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Our Mortgage Specialists

Meet our experienced mortgage team. With decades of combined experience, our mortgage loan specialists are dedicated to providing exceptional service and a seamless experience from application to closing.

FAQs

How do I view my mortgage details in Online/Mobile Banking?

    To view your mortgage details:

    • Select your mortgage account in Online or Mobile Banking. 
    • Click “View Transactions”. 
    • Access your full mortgage details, documents, and available tools.

    (Your loan details are powered by our mortgage servicing system, FICS.) 
    What mortgage information and tools are available in Online Banking?

    Within your mortgage account, you can: 

    • View and download important documents, such as 1098s and escrow analyses. 
    • Review year-to-date balances and detailed loan information.
    • Make a one-time payment from another financial institution.
    • Make a principal-only payment from another financial institution.  
    How do I make my regular mortgage payment?

    If you already have recurring mortgage payments set up through St. Mary’s Bank, those payments will continue automatically—no action is needed.

    Before making additional payments, keep in mind:

    • One-time or principal-only payments made through the FICS portal are processed separately.  
    • Partial mortgage payments are not accepted in the FICS portal.  
    • Recurring payments set up through St. Mary’s Bank cannot be edited in this area.

    If you need help adjusting your payments, please call our Member Contact Center at (888) 786-2791. 
    How do I make a mortgage payment from another bank account?

    You can make one-time or recurring payments from a non–St. Mary’s Bank account through Online Banking using the FICS platform.

    Important: If you already have an automatic payment set up with St. Mary’s Bank, it will still process as scheduled—even if you make additional payments through the FICS portal or the Transfers section in Online Banking. 
    How do I make a principal-only payment on my mortgage?

    You can make a principal-only payment through Online Banking using the FICS portal.

    • Select your mortgage account. 
    • Choose the option to make a principal-only payment.
    • Use an external (non–St. Mary’s Bank) account to complete the payment. 
    Important: 
    Principal-only payments are processed separately from your regular monthly payment and do not replace it.

     

     

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