Fixed-Rate Loans

Knowing Your Options

Just as the name implies, a Fixed-Rate Mortgage is a loan with an interest rate that does not change for the entirety of the loan. For borrowers who can grab a low rate and don’t want any surprises on their monthly statements, a fixed-rate mortgage is perfect!

Ultimately, a fixed interest rate avoids the risk that their interest rate may increase over the course of the loan. It is important to understand the pros and cons of both adjustable and fixed-rate loans.

Benefits

No Rate Surprises

A fixed-rate loan means the interest rate won’t change for the life of the loan

Historic Low Rates

By grabbing a fixed-rate in today’s market you can secure a historically low interest rate

Loan Options

Depending on your qualifications, you can obtain an FHA or Conventional loan with loan period you’re comfortable with

Get to know more about fixed-rate home mortgage loans

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Frequently Asked Questions

Who would a Fixed-Rate loan be a good for?

  • If you want a consistent monthly payment
  • If you aren’t expecting to relocate, refinance or move in the next few years
  • If you aren’t sure if you’ll see an income increase in the next few years

These are just three examples, to find out more it would be in your best interest to contact us directly and speak to one of our mortgage professionals.

Will my payments ever change

With a Fixed Rate Mortgage, the rate and payment will remain the same throughout the life of the loan. If you want to change the terms of your loan, you will have to refinance.

What will my rate be?

Your rate is calculated based on a variety of factors, including credit qualifications, loan-to-value, loan amount and other criteria.
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