30-Year Fixed Rate Mortgage.

Get a FREE quote on a 30-year fixed rate mortgage & save thousands of dollars per year.

Program overview

The Lowdown on 30-Year Fixed Rate Mortgage…

Our 30-Year Fixed Rates Are Low & Our Process is Quick & Painless. The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then adjustable-rate loans are usually cheaper.

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Is a 30-year right for you?

The case for a 30-year fixed.

A 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change.

Best for:

Buyers who plan to stay 7+ years
Anyone who wants payment certainty for the long haul
Borrowers locking in while rates are at attractive levels
First-time buyers stretching to qualify on monthly payment

Consider an alternative if:

You'll move within 5–7 years (an ARM may be cheaper)
You can comfortably afford a 15-year payment
You want to pay significantly less lifetime interest

FAQ

Common questions answered.

What's the difference between a 30-year and 15-year fixed?

A 30-year has lower monthly payments but costs more in lifetime interest. A 15-year has higher payments but you pay off the loan in half the time and pay significantly less interest overall.

What if rates drop after I lock in?

You're locked in at your rate. If rates drop later, you can refinance to a lower rate—though you'll pay closing costs to do so. Check out our refinance calculator.

Can I pay extra toward principal?

Yes. Extra principal payments reduce the loan balance faster and save you interest. We encourage it if you have the means. There's no penalty for early payoff.

Is a 30-year better than an ARM?

It depends on your timeline and risk tolerance. A 30-year fixed costs more upfront but protects you against rate increases. An ARM has lower initial rates but carries future risk. We'll help you compare.

What closing costs should I expect?

Typically 2–3% of the loan amount. We'll provide a Closing Disclosure 3 days before signing detailing every cost. Ask about lender credits or seller concessions.

What if I want to refinance later?

You can refinance anytime. Typical reasons are lower rates, shorter term, or cash-out refinancing. We can refinance your Crestline loan or any other lender's.

Alternative option