Fixed-Rate Mortgage
Predictable payments with a stable interest rate for the life of your loan
What is a Fixed-Rate Mortgage?
A fixed-rate mortgage keeps your interest rate and monthly payment the same for the entire loan term, providing stability and predictability.
Stable Payments
Your principal and interest payment never changes, making budgeting easier.
Rate Protection
Your interest rate is locked in, protecting you from future rate increases.
Long-Term Planning
Perfect for homeowners who plan to stay in their home for many years.
Easy to Understand
Simple, straightforward loan structure with no surprises.
Common Fixed-Rate Terms
30-Year Fixed
- • Lower monthly payments
- • More interest paid over time
- • Most popular option
- • Best for long-term homeowners
15-Year Fixed
- • Higher monthly payments
- • Less interest paid overall
- • Build equity faster
- • Lower interest rate
Calculate Your Payment
Ready to Lock in Your Rate?
Our loan officers can help you understand fixed-rate mortgage options and find the best term for your situation.
30-minute expert consultation
Market analysis & pricing
Property recommendations
Next steps & timeline