Lock In Your Rate—With a Fixed-Rate Mortgage
Enjoy steady monthly payments and long-term peace of mind.
A fixed-rate mortgage keeps your interest rate the same for the life of the loan—no surprises, no rate hikes.
Lock In Your Rate—With a Fixed-Rate Mortgage
Enjoy steady monthly payments and long-term peace of mind.
A fixed-rate mortgage keeps your interest rate the same for the life of the loan—no surprises, no rate hikes.
What Is a Fixed-Rate Mortgage?
A fixed-rate mortgage is a home loan with an interest rate that stays the same for the entire term. Whether you choose 15, 20, or 30 years, your principal and interest payments won’t change—making it easier to budget over time.
Why Choose a Fixed Rate?
It’s ideal for buyers who plan to stay in their home long-term and want stability—especially when rates are still relatively low.
How It Works
🛑 No rate changes—ever
📆 Set payment for 15–30 years
📊 Easier to budget long-term
🔐 Great for long-term homeownership
🏠 Ideal in low or stable rate environments
Fixed-Rate Mortgage FAQs
Only if taxes or insurance change. The loan’s principal and interest stay the same.
Yes! Many lenders allow early payoff with no penalty.
It depends. Fixed rates offer stability; ARMs may start lower but can rise.
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Texas Mortgage Disclosure: Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should contact the Texas Department of Savings and Mortgage Lending (SML). Visit [www.sml.texas.gov](https://www.sml.texas.gov) for instructions and to obtain a complaint form. Mailing Address: 2601 North Lamar, Suite 201, Austin, TX 78705 • Toll-Free: 1-877-276-5550 (Required per 7 TAC §80.200(b))
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NMLS ID: XXXXXX • Visit https://dre.colorado.gov or call (303) 894-2166 to verify the license status or file a complaint.