30 and 15 Year Fixed Rate Mortgage Loan

Tried and True Mortgage Options

30-year and 15-year fixed rate mortgage loans

When you think of the conventional home mortgage loan, there are usually 2 common loans that come to mind – the 30-year fixed-rate mortgage and the 15-year fixed-rate mortgage. The 30-year mortgage is a popular home loan option for a reason. If you want lower monthly payments and the comfort of a fixed interest rate, check out the 30-year fixed. A 15-year fixed mortgage helps borrowers save on interest and pay off their home loan faster. A low, fixed interest rate and a shorter loan term. We can help you find what works best for you.

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30-Year Fixed Benefits

Lower Monthly Payments

Your monthly payments will be lower because they’ll be spread out over a longer period.

Fixed Interest Rates

Your interest rate remains fixed for the life of the loan, so you don’t have to worry about rates going up or changing.

Low Down Payment

You can make a down payment as low as 3%.

No Prepayment Penalties

Want to pay off your mortgage early? No problem. You won’t get hit with prepayment penalties.

15-Year Fixed Benefits

Savings On Interest

You could save big on interest by paying your loan off in 15 years, rather than 30.

Fixed Interest Rates

Your interest rate is fixed, so you never have to worry about your mortgage payment changing if rates go up (except for any changes in taxes and insurance).

Low Down Payment

You can make a down payment as low as 3%.

No Prepayment Penalties

Want to pay off your mortgage early? No problem. You won’t get hit with prepayment penalties.

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Fixed Interest Mortgage Minimum Requirements

Minimum Credit Score - 620

Debt-To-Income Ratio ≤ 50%

Minimum Down Payment -3%

Closing Costs 2% – 6%

Types of 30-year and 15-year fixed-rate loans:

Owner-Occupied Primary Residence
Second Homes – Vacation Homes
Investment Purchase