
30 Year Fixed Mortgage Loans
A 30 year fixed mortgage gives you predictable monthly payments and the flexibility of a longer term. It’s one of the most popular mortgage options in the country — and for good reason. Whether you’re buying your first home, moving up, or refinancing, this loan provides long-term stability with a consistent interest rate and manageable monthly costs.
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Why Choose a 30-Year Fixed Mortgage?
This loan option is ideal for buyers who want a steady payment and plan to stay in their home for several years. Because the loan is spread over a longer term, it results in a lower monthly payment compared to shorter loan options like a 15-year fixed mortgage.
Benefits include:
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Predictable monthly principal and interest payments
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Lower payments compared to shorter-term loans
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Flexibility to pay extra toward principal without penalty
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Easier to qualify based on income
Is a 30-Year Loan Right for You?
A 30-year fixed mortgage may be a perfect fit if:
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You’re looking for lower monthly payments
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You’re buying a long-term home
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You want room in your budget for savings or other expenses
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You’re refinancing and want to reduce monthly obligations
Because the interest rate stays fixed for the life of the loan, there’s no worry about payment spikes over time.
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Flexible Strategy for Homeowners at Any Stage
A 30-year fixed mortgage isn’t just for first-time buyers — it’s also a smart tool for move-up homeowners, long-term investors, and even downsizers who prefer a lower monthly commitment. You can always pay more toward the principal if your financial situation improves, without being locked into a higher required payment. That flexibility is especially helpful when you’re juggling other financial goals like saving for retirement, building reserves, or paying off debt.
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How It Compares to Other Loan Terms
While you’ll pay more interest over time with a 30-year loan versus a 15-year, many buyers prefer the breathing room. It’s easier to budget, qualify, and manage finances with smaller monthly commitments. For many homeowners, that added flexibility makes all the difference.
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Do I Qualify?
As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans. When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan.
- Fixed Rates
- Conforming Loans
- Jumbo & Super Jumbo Loans
- FHA, VA, & USDA Loans
- Terms from 5 to 30 Years