FOR HOME BUYERS and HOME OWNERS
30-Year Fixed Mortgage: Affordable & Predictable
The 30-year fixed-rate mortgage is the most popular home loan in the U.S., offering long-term affordability, predictable payments, and flexible qualification. Ideal for those looking for manageable monthly costs and a reliable path to homeownership.
A home loan you can count on.
Fixed Payments
Rate and payment won’t change for 30 years
More Buying Power
Qualify for a higher loan amount.
Lower Monthly Cost
Compared to shorter terms.
Flexible Use
Great for first-time buyers, refinancers, or investors.
Guidelines for this Loan
If your details are close to these guidelines, we encourage you to apply or contact us. Even if you don’t qualify for an adjustable-rate mortgage, we could have other options for you.
Estimate and Explore
Calculators are a great way to learn and see what’s possible.
Down Payment Calculator
Learn how much cash you need to buy the home in your mind.
Get More In-Depth Details
Articles that give you more information about this loan and explain how mortgages work.
Frequently Asked Questions
Answers to questions about this loan we heard from people like you during research.
Why Choose a 30-Year Loan Over 15-Year?
Lower monthly payments allow more flexibility, though you’ll pay more in interest over time.
Can I Pay Extra Toward My Principal?
Yes, and doing so reduces your balance faster without penalty.
What’s Included in My Monthly Payment?
Typically: principal, interest, taxes, homeowner’s insurance, and mortgage insurance (if applicable).
Do I Qualify with a Low Credit Score?
You may still qualify with a 620+ score. Government-backed loans like FHA offer even more flexibility.
Can I Refinance Later?
Yes. You can switch to a lower rate or different term anytime you qualify.
