Interest rates on Fixed Rate Mortgages are still very low.

If you plan to stay in your home for a long term, a consistent payment that never changes can help you prepare for your financial future.

Fixed Rate Mortgage

Interest rates on Fixed Rate Mortgages are still very low.

Fixed Rate Mortgage

If you plan to stay in your home for the long term, a consistent payment that never changes can help you prepare for your financial future.

Plan your budget with a consistent mortgage payment at a low rate that will stay the same through the life of your loan.

Common types of fixed rate mortgages

The 15-year mortgage

You will pay less in interest. If you borrow $100,000 to purchase a home at a 4% interest rate, paying over a longer period of time will mean more interest on the money borrowed. So, a 15-year mortgage can significantly cut down on the interest that you pay. Add to that the lower interest rates that are often available for 15-year mortgages and you could have some big savings available.


Your monthly payment will likely be higher. Even with the lower interest rate, you will probably have a slightly higher payment with a 15-year mortgage. This happens because you are paying more towards principal from the beginning. But, you will be mortgage-free in half the time, which is no small feat.

The 30-year mortgage

You will pay more in interest. Longer mortgage means more interest charged. This is how banks and other lenders make their money. They loan you, the borrower, money and collect their interest over the 15 or 30 years it takes you to pay them back.

Your monthly payment will likely be lower. Because you are spreading out your payments over a longer period of time, they will almost always be lower with a 30-year mortgage. If your monthly budget is tight, this may be a better way to go.

How it works

- Monthly payments are based on interest rate, principal loan amount, and amortized interest over 30 years. With a Fixed Rate Mortgage, your interest rate will never change, even if market rates increase!

- Your payment will not change throughout the life of the loan.

- Your actual payment will vary based on your situation and the current interest rates when you apply.

- Pay your mortgage off at any time without pre-payment penalties.

Have questions? Give us a call! One of our mortgage specialists would be happy to answer all of your questions.

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Fundnancial is a forward-thinking mortgage company built on the belief that technology and personal relationships can—and should—coexist. Founded by industry veterans who were tired of outdated systems and disjointed communication, Fundnancial combines cutting-edge automation with a human-first approach to lending. From first-time homebuyers to seasoned investors, Fundnancial offers tailored solutions backed by powerful tools, seamless processes, and a team that genuinely cares about the outcome of every loan.

Company NMLS: 2435696

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