One rate. One payment. Zero surprises.
The classic for a reason: your principal-and-interest payment is locked from the first month to the last, no matter what the market does. We price yours across dozens of wholesale lenders so the locked rate is a low one.
You'll like a fixed rate if…
- You plan to stay a while
The longer you keep the home, the more rate certainty is worth. - You budget to a number
Taxes and insurance can drift, but your loan payment never will. - Rates feel decent today
Lock it, and if the market drops later, we refinance you — we watch it for you. - You don't want to think about it
Set it, autopay it, live your life.
How to pick your term
- 30-year: lowest payment
The default for most buyers; maximum flexibility, and you can always pay extra. - 20-year: the sleeper
Meaningfully lower rate than a 30 with a payment far gentler than a 15. - 15-year: fastest equity
The lowest rates on the sheet and a house paid off in half the time — if the payment fits comfortably.
PMI: temporary, not forever
Put down less than 20% on a conventional loan and you'll carry private mortgage insurance — but unlike FHA, it cancels automatically once you reach 22% equity (and can be removed at 20% by request). We'll show your payment with and without it, and the date it should disappear.
FAQ
What credit score do I need?
Conventional fixed-rate loans generally want 620+, and pricing improves in tiers as scores rise — the jump around 740 is the big one. Below that range, FHA often prices better; we quote both and show you.
Should I pay points for a lower rate?
Only if you'll keep the loan past the break-even. Our Buy a Lower Rate slider shows today's real point options and the break-even month for each.
Can I pay it off early?
Yes — no prepayment penalties on the conventional loans we broker. Even one extra payment a year takes years off a 30-year loan.
Fixed vs. ARM — how do I decide?
If you're confident you'll move or refinance within about seven years, an ARM's lower intro rate can win. If you might stay, fixed is the sleep-at-night answer. We'll price both side by side.
See your fixed rate in about a minute.
No credit pull, no documents. Just today's number from a broker who shopped for it.