30 Year Fixed Rate Mortgage
30 Year Fixed Rate Mortgage
A 30-year fixed-rate loan is a mortgage with an interest rate that remains the same over a 30-year period
The Lowdown on 30 Year Fixed Rate Mortgage...
Our 30-Year Fixed Rates Are Low & Our Process is Quick & Painless
The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then stable-rate loans are usually cheaper.
We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier.
We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.
The 30-Year Fixed Rate Mortgage Loan Process
Here’s how our home loan process works:
Complete our simple 30-Year Fixed Rate Mortgage Qualifier
Receive options based on your unique criteria and scenario
Compare mortgage interest rates and terms
Choose the offer that best fits your needs
Do I Qualify?
As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans. When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan.
Lower payments. Because they’re spread out over 30 years.
Flexibility. If your monthly budget allows, you can make extra payments to pay off the loan faster.
Predictability. Because it’s a fixed rate, the monthly principal and interest payments are the same over the life of the loan.
Higher interest rate. Because the lender is tying up its money longer, 30-year fixed mortgage rates are higher
-Luis O.
“I am extremely pleased with the service provided by our loan officer, Ryan Ku-Borden. From the start, he was professional, knowledgeable, and took the time to understand our financial situation and needs. His expertise and understanding of various loan products was impressive, and he guided us to the loan option that best suited our circumstances.
Throughout the application process, he was always available to answer our questions, and he kept us informed about the progress of our application. He was meticulous in ensuring that all our documents were in order and met the loan requirements. It was clear that he genuinely cared about helping us secure the best loan possible.
I was particularly impressed with his communication skills. He explained complex loan terms and conditions in a way that was easy for us to understand. He was also very patient and never rushed us into making a decision.
I appreciate his dedication and hard work, and I highly recommend him to anyone in need of a loan. His commitment to customer satisfaction is truly commendable..”
