Fixed Rate Mortgage

Rates are low so why not lock them in now!

Is a Fixed Rate loan right for you?

  • Do you plan to stay in your home for many years?
  • Do you prefer a consistent mortgage payment for budget planning?
  • Does your peace of mind depend on a payment that never changes?

If you answered “yes” to any of these questions, a fixed-rate mortgage might be right for you! Since your rate won’t change for the life of your loan, your payment will never increase.

Fixed rate loans come in various types, and are generally the most popular loans for those looking to buy or refinance their homes. This is due to the security they provide, ensuring consistent monthly payments, without worry or hassle about changing interest rates. If you are planning to own your home for several years or more, a fixed rate loan may be your best option.

Fixed-rate mortgage qualification requirements

  • Refinance up to 95% of your primary home’s value

How a fixed-rate mortgage works

  • Monthly payments based on interest rate, principal loan amount, and amortized interest over certain amount of years
  • Your payment will not change throughout the life of the loan
  • Pay your mortgage at any time without pre-payment penalties

Why choose Us?

All of our Loan Officers are state licensed.  Talking to a licensed Loan Officer is an important step to getting the right mortgage loan. Everybody has different loan needs and your Loan Officer will know which questions to ask in order to best match you with the right loan and monthly payment.

Personalized Help.  The Loan Officer will also explain all the steps–from getting started, to locking in your low rate, to closing your loan  Because we are a direct lender, if you have any questions during the loan process, you will have one direct number enabling you to get quick answers straight from the source.

We'll close your loans fast!  On average, our loans close in about 30 days.