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30-year fixed-rate loan

low monthly payments that will never increase

30 Day Guarantee

We'll close your new purchase in 30 days or less or your first payment is on us*

the perfect loan for

first-timers and smart shoppers

A 30-year fixed-rate mortgage locks in your interest rate, giving you a uniform monthly payment for the life of your loan. These are the most popular and well-known mortgages—and for good reason. They’re stable, secure, affordable, and are the go-to for most buyers.

Happy Couple

Find out if a 30-year fixed loan is right for you.

benefits

  • Rate security—your rate will stay unaffected by economic changes
  • Monthly payments that will never increase
  • 95-97% loan to value available
  • A generous term length with the option to pay off early
  • Qualifies for our 30 Day Guarantee—close in 30 days, or we make your first payment*

requirements

  • A 5% down payment to qualify (just 3% for first time buyers)
  • A 20% down payment to qualify with no private mortgage insurance
  • A debt-to-income ratio under 45% , or 50% for select borrowers**
  • A credit score of at least 620
  • Requirements may change depending on property use and loan purpose

*Terms and conditions apply.

**Qualified borrowers only. Terms and conditions apply.

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