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Mortgage Products: Fixed Rate Mortgages

10 & 15 Year Fixed Rate Mortgage

Stability Over the Life of the Loan
Many consumers prefer the stability of both a fixed interest rate and a fixed payment over the life of the loan.

Consumer Benefits

Lock in a long term interest rate with a stable, predictable monthly payment.
Borrowers who want to build equity faster should select the shortest loan term they can afford.
Shorter loan term carries a lower interest rate, helping borrowers save interest cost over the life of the loan.

Property Types

Single family detached
Single family attached
Condos
PUDs

30 Year Fixed Rate Mortgage

Stability Over the Life of the Loan
Many consumers prefer the stability of both a fixed interest rate and a fixed payment over the life of the loan.

Consumer Benefits

Lock in a long term interest rate with a stable, predictable monthly payment.
Borrowers who want to build equity faster should select the shortest loan term they can afford.

Property Types

Single family detached
Single family attached
Condos
PUDs
Manufactured Housing

40 Year Fixed Rate Mortgage
By increasing the standard loan term from 30 to 40 years, monthly payments are lower, thus making them more affordable, and increasing borrowers' purchasing power. This mortgage is ideal for borrowers who face affordability issues and think home ownership is beyond their reach. First time homebuyers or those living in high-cost areas seeking manageable montly payments may find this amortization term attractive.

Consumer Benefits

With a longer amortization period, borrowers obtain lower mortgage payments.
Easier to qualify for a mortgage as well as a larger loan amount.

Property Types

Single family detached
Single family attached
Condos
PUDs