Finance your home today with fixed rate mortgages. We provide solid, secure mortgages backed by Fannie Mae, Ginnie Mae or Freddie Mac. That might sound boring, but you’ll appreciate the stability. Flexible terms. Fixed or adjustable rates. It’s your call.

What Are Your Options?

The 30-year fixed rate mortgage is slow and steady. The best thing about it is that you know what you’re paying for every month. With consistent monthly principal and interest payments, it’s an ideal choice if you plan to stay in your home seven years or longer.

Generally, it’s more difficult to qualify for fixed-rate mortgages than for adjustable-rate mortgages. But when the interest rates are low, there’s not as significant a difference between the costs of fixed and adjustable rate loans. In fact, you’ll find that fixed rates can be a better deal over time, because you’re able to lock in the rate for the duration of your loan.

Fannie Mae, Ginnie Mae and Freddie Mac back these mortgages, which is another reason so many people get them. Your monthly payments will be lower compared to some other mortgages. That means more money to spend celebrating your smart decisions.

Key Features of a 30 Year Fixed Rate Mortgage

  • Fixed rates so you know what you’re paying every month
  • Lower monthly payments than 15 year mortgages
  • Get a mortgage with only 5% down payment
  • Put down 20% or more and you won’t pay mortgage insurance

Requirements

Down Payment 5% of the final loan amount
Terms 30 years, fixed rate
Credit Score 620 minimum
Mortgage Insurance No, if under 80% loan-to-value
Maximum Loan Limit Yes*
*Some “high balance” areas have loan limits above the standard level.

The fifteen-year fixed rate mortgage is comparable to a good workout – work harder, finish sooner, and feel better. That’s what you’ll get if you fulfill all repayments in 15 years; you’ll save on interest payments and a whole lot of time paying for your house. It comes with all the benefits of the 30-year fixed rate mortgage – plus a better interest rate. Not to mention you pay off your home twice as fast.

Although you’ll be paying higher monthly payments, if you have what it takes to commit, a 15-year fixed rate mortgage is definitely a worth-while investment.

Talk to our experts to learn more about our fixed rate mortgages. Find out if you qualify by getting a free quote today.

This mortgage takes more commitment because you’re making higher monthly payments. But if you have the financial cushion, get this mortgage and start thinking of the day when you won’t have one. That day can come a lot sooner.

Key Features of a 15 Year Fixed Rate Mortgage

  • Commit to a slightly higher monthly payment and pay off your mortgage in less time
  • Keep your fixed rate so you can budget confidently
  • Get a mortgage with only 5% down payment
  • Put down 20% or more and you won’t pay mortgage insurance

Requirements

Down Payment 5% of the final loan amount
Terms 15 years, fixed rate
Credit Score 620 minimum
Mortgage Insurance No, if under 80% loan-to-value
Maximum Loan Limit Yes*
*Some “high balance” areas have loan limits above the standard level.