Fixed Rate Mortgages

Embark on your homebuying journey with the confidence and stability that comes from a fixed-rate mortgage. Offering the assurance of unchanging interest rates and monthly payments for the life of your loan, a fixed-rate mortgage simplifies your financial planning by providing predictability in your housing costs.

LIFESTYLE LENDING

FIXED RATE MORTGAGES

This loan is fully amortized over a 15 year period and features constant monthly fixed payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you’ll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment. Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years.


Requirements:

  • Credit & income qualifications

Benefits: 

  • Build equity faster
  • No mortgage insurance
  • Rate and payment is fixed for the life of the loan
  • Interest rates and loan costs are generally lower

GET A 15 YEAR FIXED RATE MORTGAGE QUOTE

A 30 year fixed rate mortgage is the most popular loan option among homeowners. The interest rate and payment is fixed for the life of the loan and is amortized over a 30 year period. The loan will be paid in full in 30 years as long as all payments are made on time. Majority of homeowners choose this option as it offers lower monthly payments and affordability compared to a 15 or 20 year mortgage.


Requirements:

  • Credit & income qualifications

Benefits:

  • First time home buyers can put as little as 3% down
  • No mortgage insurance with 20% down
  • Fixed rate and monthly payments
  • Interest rates and loan costs are generally lower.

GET A 30 YEAR FIXED RATE MORTGAGE QUOTE

We’re here to make the home loan process easier, with tools and knowledge that will help guide you along the way, starting with our loan qualifier. We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first- time home buyer or a repeat buyer.

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The Lifestyle Experience

Why Work With Us

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Transparency

One of our core values is complete transparency with our clients. It is woven into the fabrics of our business. You can expect honesty and trust when working with us.

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Lower Rates

We do the rate shopping for you. One of the benefits of working with us is we can shop your loan around with dozens of lenders to make sure you are getting the best loan terms for your situation.

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Lower Fees

We don’t believe you should spend more on your dream home so we can earn more. Our fees are lower than our competitors so you keep more money in your pocket.

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Faster Closing Times

Your perfect home is waiting for you. Enjoy faster closing times so you can start living your dream as quickly as possible. We can close loans in as little as 10 business days.

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Better Service

Securing your home shouldn’t be stressful. Get better service and care without compromising on value. We save our clients on average around $9500 using a broker over a big bank. We are also local to our markets and have more knowledge than an online lender or retail bank.

FIND OUT HOW MUCH HOME

YOU CAN AFFORD

Discover exactly what you can afford before you start searching for a home. Before embarking on your home search journey, discover precisely what you can afford by utilizing our home purchase qualifier tool.

HOME PURCHASE QUALIFIER