Fixed Rate Loans
We offer conventional fixed rate mortgages designed to provide stability and peace of mind. Whether you’re buying your first home or refinancing, a fixed rate loan ensures your interest rate and monthly payments stay the same for the entire life of the loan—no surprises.
Term Options: 10, 15, 20, 25, 30 Years
As little as 5% Down Payment
Consistent Monthly Payments
Up to 95% Refinance
Why Choose a Fixed Rate Mortgage?
Fixed rate mortgages are ideal for homebuyers who plan to stay in their property long-term. By locking in a low interest rate, you can protect yourself from future market fluctuations and build equity with confidence. We offer a full range of terms, including:
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30-Year Fixed
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25-Year Fixed
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20-Year Fixed
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15-Year Fixed
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10-Year Fixed
Benefits of Fixed Rate Loans
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Down Payment: As low as 5% on home purchases
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Credit Score Requirement: Typically 620 or higher
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Post-Bankruptcy: Eligible after 4 years
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Post-Foreclosure: Eligible after 7 years
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Post-Short Sale: Eligible after 2 years (loan-to-value restrictions may apply)
Understanding the Loan Application Process
Step 1
Begin by selecting the loan type that best suits your needs. Whether it’s a fixed-rate, adjustable-rate, FHA, or VA loan, each option offers unique benefits tailored to different financial situations.
Step 2
Complete the online application form with your personal and financial details. Our team will review your information and reach out for any additional documentation required.
Step 3
Once your application is submitted, our experts will guide you through the approval process, ensuring a smooth experience from start to finish. Expect timely updates and clear communication at every step.
Take the First Step Towards a Home Loan!