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Fixed Rate Mortgages
The Safest Rate For
Your Primary Residence
If you plan to stay in your home for the long term, a consistent payment that never changes can help you prepare for your financial future.
Interest Rates on Fixed Rate Mortgages Are Still the Safest Type of Rate For Your Primary Residence
15 Year Loan
You will pay less in interest. If you borrow $100,000 to purchase a home at a 4% interest rate, paying over a longer period of time will mean more interest on the money borrowed. So, a 15-year mortgage can significantly cut down on the interest that you pay.
Add to that the lower interest rates that are often available for 15-year mortgages and you could have some big savings available. Your monthly payment will likely be higher, but you will be mortgage-free in half the time, which is no small feat.
30 Year Loan
You will pay more in interest over a longer mortgage — this is how banks and other lenders make their money. They loan you, the borrower, money and collect their interest over the 15 or 30 years it takes you to pay them back.
Your monthly payment will likely be lower. Because you are spreading out your payments over a longer period of time, they will almost always be lower with a 30-year mortgage. If your monthly budget is tight, this may be a better way to go.
The Details
How it Work
Rate Never Changes
With a Fixed Rate Mortgage, your interest rate will never change, even if market rates increase.
Consistent Payment
Monthly payments are based on interest rate, principal loan amount, and amortized interest — and will not change throughout the life of the loan.
No Pre-Payment Penalties
Pay your mortgage off at any time without penalty. Your actual payment will vary based on your situation and current rates when you apply.
Ready to Lock In a Fixed Rate?
One of our mortgage specialists would be happy to answer all of your questions.
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Any profit, income statements or examples through our website are only estimates and gauges of what may be possible or conceivable now or in the future. There can be no assurance as to any particular financial outcome based on the use of our website. You concur that we are not liable or responsible for your earnings, the achievement or disappointment of your business choices, or any increase or decrease in your finances or income. You are solely responsible for your results.
Testimonial Disclaimer
All testimonials and photos are from real clients and are shared for illustration purposes only. They are not intended to guarantee that future clients will achieve the same or similar results.
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We are not Certified Financial Advisers, U.S. Securities Dealers, Stock Brokers, or Investment Advisers. We are not business consultants and act only as a financial intermediary. All contemplated transactions are private, exempt transactions and do not involve the sale of registered securities under the United States Securities Act of 1933.
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