Fixed Rate Mortgages

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What is A Fixed Rate Mortgage?

As its name implies, a fixed rate mortgage is one where the interest rate on your home loan remains the same throughout its duration.

This differs from a loan where the interest rate may change over time, such as an adjustable rate mortgage.

Check today’s mortgage rates

Fixed rate mortgages are the most popular form of home loan in the United States largely due to the appeal of a consistent mortgage payment amount over the life of the loan.

In many instances, fixed rate mortgages have higher mortgage payments than adjustable rate mortgages. This is most often because the interest rate remains unchanged for the duration of the loan.

Fixed Rate Mortgage Benefits

The biggest benefit of a fixed rate mortgage is the fact that the interest rate does not change over time.

Competitive Interest Rates

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Locked Interest Rate

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How long do I repay a fixed-rate mortgage?

The mortgage term is the number of years you repay the loan. Fixed-rate mortgages usually come in terms of 15 or 30 years. Here are some pros and cons of each term:

30-Year Fixed

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15-Year Fixed

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Get Pre-Qualified For A Fixed Rate Mortgage

With flexible options, program expertise, and superior service, we’ll work with you from application to close to ensure a smooth loan process and create a loan program that meets your financial needs and goals.

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To apply online, simply complete our application form and we will back to you as soon as possible.

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Application Form (PDF)

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Other Popular Loan Options

Reverse Mortgage Loan

If you’re 62 and older, you can use a reverse mortgage loan to purchase a new home, or turn your current home’s equity into cash. A reverse mortgage loan gives retirees the opportunity to potentially increase their purchase power or cash flow while eliminating monthly mortgage payments. You are still required to pay property taxes, homeowners insurance, and maintain the home. Here are just a few reasons why you should consider a reverse mortgage.


If you're a military veteran or still in active service, you may qualify for a U.S. Department of Veterans Affairs (VA) loan. These loans often require no down payment.


Home loans provided by the Federal Housing Administration (FHA) can make it easier for you to buy or refinance a home. FHA loans usually have lower credit score and down payment options, but have higher safety requirements the homes need to meet.

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