Fixed Rate Mortgages
The most popular mortgage in America. A fixed-rate loan locks in your interest rate for the entire loan term — your principal and interest payment never changes.
Why Choose a Fixed Rate?
Fixed-rate mortgages offer stability and simplicity — you always know exactly what your payment will be.
Predictable monthly payment that never changes
Protection against rising interest rates
Easy to understand and budget around
Available in 10, 15, 20, and 30-year terms
Shorter terms build equity faster and save on total interest
Ideal for buyers planning to stay in their home long-term
Available for purchase and refinance
Conventional, FHA, VA, and USDA fixed-rate options available
Choosing Your Loan Term
The right term depends on your monthly budget and long-term financial goals.
TermMonthly PaymentTotal InterestBest For
30-Year FixedLowest monthly paymentHighest total interest paidBuyers who want maximum monthly cash flow
20-Year FixedModerate monthly paymentModerate total interest paidBalance between payment and interest savings
15-Year FixedHigher monthly paymentSignificantly less total interestBuyers who want to build equity quickly
10-Year FixedHighest monthly paymentLowest total interest paidRefinancing with a short payoff horizon
Lock In Your Rate Today
Contact us to discuss current fixed rates and find the right term for your budget and goals.