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.

Something else to consider: Unlike most commercial institutions, SPJST has never 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 SPJST.  A 25 percent down payment is required. 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. Click here for current interest rates.