Home / Loan Programs / Fixed-Rate Mortgages
One rate. One payment. Zero surprises.
The classic 30-year fixed remains America's favorite mortgage for a reason: your principal and interest never change, no matter what rates do.
What a fixed-rate mortgage entails
Your interest rate is locked at closing and stays put for the entire term — 30, 20 or 15 years. The payment you make in year one is the payment you make in year twenty-nine, which makes budgeting beautifully boring.
Shorter terms carry lower rates and build equity dramatically faster: a 15-year loan at today's pricing can save six figures in interest versus a 30-year on the same amount. We show you both amortization curves before you decide.
30-year fixed
Lowest monthly payment; maximum flexibility for investing the difference.
20-year fixed
The overlooked sweet spot: lower rate, faster payoff, manageable step up.
15-year fixed
Lowest rates and rapid equity — ideal for refinancers and move-up buyers.
Rate locks to 90 days
Extended locks protect new-construction and long-escrow buyers.
Lock policy, in plain English
Free 45-day locks on every file. Float-down option: if rates improve 0.25%+ after you lock, you capture the better pricing once, free.
Locking your rate in four steps
01
Pre-approval
Verified income, assets and credit — approval that holds up in underwriting.
02
Term choice
30, 20 or 15 years modeled side by side with total-interest comparison.
03
Strategic lock
We watch pricing daily and lock when the market favors you.
04
On-time close
Average 21 days application to funding, with weekly status updates.
Choose the 15-year if the higher payment leaves a healthy emergency fund intact — the interest savings are enormous. Choose the 30-year if flexibility, investing or near-term expenses matter more; you can always pay extra principal.
Most buyers lock once under contract with a closing date set. We monitor pricing between pre-approval and contract, and our float-down covers you if markets improve after locking.
Yes — none of our fixed-rate products carry prepayment penalties. Extra principal payments go straight to reducing your balance and total interest.