Fixed Rate Loans
Stable monthly payments with interest rates that never change. Choose from 15, 20, or 30‑year terms for predictable, long‑term financing. Perfect for homeowners who plan to stay put.
Fixed Rate Loan Guidelines
Loan Parameters
- Loan Terms15, 20, or 30 years
- Interest RateFixed for entire loan term
- Monthly PaymentNever changes
- Max LTV (Purchase)97% (with PMI)
- Max LTV (Cash-Out)80%
- Loan AmountsConforming, FHA, VA, Jumbo available
Borrower Requirements
- Min Credit Score620 (conventional)
- Min Down Payment3% – 5% (conventional)
- Debt-to-Income RatioUp to 50%
- Employment History2+ years
- OccupancyPrimary, Second Home, Investment
Property Requirements
- Property TypesSFR, Condo, Townhome, 2-4 Unit
- Appraisal RequiredYes
- PMI RequiredIf down payment < 20%
- Flood InsuranceIf required by location
Why Choose a Fixed Rate Loan?
Predictable Payments
Your principal and interest payment never changes – easy to budget for years to come.
Long‑Term Stability
Lock in your rate for 15 to 30 years – no worries about market fluctuations.
Multiple Term Options
Choose a shorter term to save on interest or a longer term for lower payments.
Available for All Property Types
Primary homes, second homes, investment properties – we have a fixed rate loan for you.