30-Year Fixed-Rate Mortgage
America's most popular mortgage option. Enjoy stable, predictable payments for 30 years with a rate that never changes.
Rates as low as shown. Your rate may vary based on credit and other factors.
Get Your Personalized RateBenefits of a 30-Year Mortgage
Why millions of homeowners choose the 30-year fixed
Fixed Rate
Your interest rate never changes, giving you predictable payments for the life of the loan.
Lower Monthly Payments
Spread your payments over 30 years for the most affordable monthly payment.
Payment Stability
Budget with confidence knowing your principal and interest payment stays the same.
Flexibility
Make extra payments anytime to pay off your loan faster without penalty.
30-Year vs. 15-Year Comparison
| Feature | 30-Year Fixed | 15-Year Fixed |
|---|---|---|
| Monthly Payment* | $2,108 | $2,871 |
| Total Interest Paid | $459,000 | $216,000 |
| Time to Build Equity | Slower | Faster |
| Best For | Lower payments, flexibility | Paying less interest |
*Based on $350,000 loan at current rates. Principal and interest only.
Who Is a 30-Year Mortgage Best For?
First-time homebuyers seeking affordable payments
Buyers who want to maximize their purchasing power
Those who prefer budget predictability
Investors who want to preserve cash flow
Anyone who values payment flexibility
Homeowners planning to make extra payments
30-Year Mortgage FAQs
Common questions about 30-year fixed-rate mortgages
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