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Lock in a consistent interest rate and monthly payment for the entire life of your loan. Available in 15 or 30-year terms, providing long-term payment stability.
A fixed-rate mortgage is right for you if you want the certainty of knowing your monthly principal and interest payment will never change. It is the most popular mortgage type, ideal if you plan to stay in your home for more than 5-7 years and want protection from rising rates.
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Min Credit Score
620+
Min Down Payment
5%
Max LTV
95%
Max DTI
45%
Loan Limits
Up to conforming limits ($806,500) or jumbo
PMI / MIP
PMI required if less than 20% down; removable at 20% equity
Occupancy
Primary, secondary, or investment property
We review your credit, income, and goals to determine the right fixed-rate term (15 or 30 years) and estimate your monthly payment and maximum purchase price.
Complete your application, submit documentation, and lock in your fixed interest rate. Your locked rate is guaranteed for a specified period (typically 30-60 days).
The underwriter verifies all documentation, reviews the appraisal, and confirms your qualification. Your locked rate remains protected during this process.
Sign your final documents with your guaranteed fixed rate and begin your mortgage with predictable payments for the life of the loan.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
Explore other loan products that might be a good fit for your needs.
A traditional mortgage not insured by the federal government. Ideal for borrowers with strong credit and stable income who want competitive rates and flexible terms.
Government-backed loans insured by the Federal Housing Administration. Designed for first-time homebuyers and those with lower credit scores or smaller down payments.
Replace your existing mortgage with a new loan to lower your rate, reduce monthly payments, shorten your term, or access your home equity through cash-out refinancing.
Financing for high-value properties that exceed conforming loan limits. Ideal for luxury homes and high-cost real estate markets in Southern California.
Apply online in minutes or call us to speak with a loan advisor about your Fixed-Rate options.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
These FAQs are generated with AI assistance and reviewed periodically. For personalized advice about your specific situation, please call us or apply online.