Fixed-Rate Mortgage
Locked-in stability for the life of your loan
What is a Fixed-Rate Mortgage?
A fixed-rate mortgage is the most straightforward and predictable home loan option available. Your interest rate and monthly principal-and-interest payment are locked in at closing and never change, regardless of market fluctuations. This provides long-term stability and makes financial planning easy. Fixed-rate mortgages are available in 10, 15, 20, 25, and 30-year terms, with shorter terms offering lower rates but higher monthly payments.
Key Features
- Rate locked for the entire loan term
- Predictable monthly payment — never changes
- Available in 15, 20, and 30-year terms
- No rate risk from market fluctuations
- Easy to budget and plan around
- Great for long-term homeowners
Requirements
- Standard credit and income requirements
- Property appraisal required
- Proof of income and assets
- Debt-to-income ≤45%
- Down payment per loan type
At a Glance
Best For
- Long-term homeowners
- Those who value payment predictability
- Buyers in low-rate environments
- Buyers planning to stay 7+ years
Ready to Apply?
Get pre-approved in as little as 24 hours. No obligation.
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Perfect Loan?
Whether you're buying your first home, upgrading, or refinancing, our team is ready to guide you. Getting pre-approved takes less than 10 minutes.
No obligation. No credit pull required for pre-qualification.