Whether you're buying a home or building a business, the SPJST offers members who qualify for home and farm mortgages with notes ranging from 1 to 30 years.

Pay Now, Save Later.

Something else to consider: Unlike most commercial institutions, SPJST has not ever sold its mortgage notes to other financial institutions. Should you have a question, you know who to call. The basic philosophy underlying the mortgage lending program offered through the SPJST is that through joint effort and mutual self-interest, individuals and families may collectively achieve objectives unattainable by acting alone.

In order to be considered for a mortgage loan with the SPJST, you or your spouse must be a member of the society. A 25 percent down payment is required. Likewise, each immediate family is subject to a maximum financing limitation of $400,000.

For more information on making a loan or a mortgage loan application packet, please contact the SPJST Mortgage Lending Department at (800) 727 - 7578. See Current Lending Rates.

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Current Lending Rates (Rates Subject to Change Without Notice)

SPJST MORTGAGE INTEREST RATES

Home of Farm Mortgages
75 Percent Owner Residence Property

5.25% for 1 to 15 years
5.75% for 16 to 20 years
6.25% for 21 to 30 years

 

 

 

Farm Property

5.75% for 1 to 10 years
6.25% for 11 to 20 years

85 Percent Owner Residence Property
7.25% for 1 to 30 years

Commercial Property

6.75% for 1 to 10 years
7.00% for 11 to 15 years