30-year fixed-rate loan
low monthly payments that will never increase
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.
Find out if a 30-year fixed loan is right for you.
- 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*
- 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.