Lock In Your Future: The Fixed-Rate Mortgage Unveiled

Get the keys to financial stability with our definitive guide to fixed-rate mortgages. Explore rates, terms, and lender options to secure your dream home without the guesswork.


What are the Fixed-Rate Mortgages?

  • A Fixed-Rate Mortgage is a type of home loan where the interest rate remains the same for the entire duration of the loan. Fixed-Rate Mortgages are the most common type of mortgage because they offer stability and predictability in monthly mortgage payments.

  • Benefits of Fixed-Rate Mortgages

    Monthly payments remain the same for the life of the loan, providing predictable budgeting. Protection from potential future interest rate hikes. Easier to understand and plan for than Adjustable-Rate Mortgages. Security of knowing your monthly payment won't change, which can be particularly helpful for first-time homebuyers or those on a fixed income.


The Types

Types of fixed-rate mortgages

30-Year Fixed-Rate Mortgage

The most popular type of mortgage with a fixed interest rate for 30 years.

20-Year Fixed-Rate Mortgage

Similar to the 30-year mortgage, but with a shorter term and slightly higher monthly payments.

15-Year Fixed-Rate Mortgage

Offers the shortest term of fixed interest rates, but typically has the highest monthly payments.

10-Year Fixed-Rate Mortgage

Rarely offered by lenders, but a good option for those who can afford higher monthly payments and want to pay off their mortgage quickly

Cash-Out Refinancing Offers Homeownerships the Opportunity to tap into their Home’s Equity while Securing a new Mortgage with Potentially better Terms.

Let’s explain the benefits and advantages of Cash-Out Refinancing & how it could be the financial you are searching for.

The Benefits

Mortgage Benefits of Fixed-Rate Mortgages

Builds equity faster than Adjustable-Rate Mortgages. Provides a stable payment schedule, making budgeting and financial planning easier. Can be refinanced at any time if interest rates drop, allowing homeowners to potentially save money on their monthly mortgage payment.

Interest rate trends of fixed-rate mortgages

Interest rates on Fixed-Rate Mortgages are influenced by a variety of factors, including economic conditions, inflation, and the decisions of the Federal Reserve.

Historically, Fixed-Rate Mortgages have tended to have higher interest rates than Adjustable-Rate Mortgages, but provide more stability and predictability in monthly payments.

Tax benefits of fixed-rate mortgages

Interest paid on the mortgage is tax-deductible, reducing the overall cost of borrowing.

Potential for significant tax savings, especially for high-income earners.

Fixed-rate mortgage programs

Conventional Fixed-Rate Mortgages:

Offered by private lenders and are not insured or guaranteed by the government.

FHA Fixed-Rate Mortgages:

Insured by the Federal Housing Administration and require a lower down payment than conventional loans.

VA Fixed-Rate Mortgages:

Guaranteed by the Department of Veterans Affairs and are available to eligible veterans, service members, and surviving spouses.

Swift Programs

Explore Our Array of Loan Programs Tailored to Suit Your Needs

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Asset depletion is a financial strategy utilized by lenders to assess a borrower's eligibility for a loan.

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A specialized loan program for foreign nationals, providing tailored financing solutions.

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