Home loans
15-year fixed. Own your home sooner
A fixed rate and a faster payoff. We shop your loan with 130+ lenders to find the best fit.
What a 15-year fixed mortgage is
Your rate stays the same for 15 years and the loan is paid off at the end of the term.
Payments are higher than a 30-year loan, but more of each payment goes to principal, so you build equity quickly.
Who it fits
- Homeowners who want to be debt-free sooner
- Buyers with room in their monthly budget
- Homeowners refinancing to shorten their term
- Anyone planning for retirement without a mortgage
The steps
How it works with us
- Tell us your goalsBuy or refinance, and the payment you're comfortable with.
- One soft pullWe check your credit once, without affecting your score, and shop the file with 130+ lenders.
- Compare termsWe show 15-year beside 20- and 30-year options so you see the trade-off.
- CloseWe keep the appraisal, lender and title moving, and get you to closing.
Get ready
What to have on hand
You don't need all of it to start. The application tells you what's missing.
- Photo ID for everyone on the loan
- Pay stubs covering the last 30 days
- W-2s for the last two years
- Bank statements for the last two months
- Purchase contract or current mortgage statement
Questions
Good to know
Why choose 15 years over 30?
You pay the loan off in half the time and build equity faster, with a higher monthly payment.
Can I refinance from a 30-year to a 15-year?
Yes. Many homeowners refinance to shorten their term.
Are there terms between 15 and 30 years?
Yes. Many lenders also offer 20- and 25-year terms. We'll show you the options.
Does checking my options hurt my credit?
No. We start with one soft credit pull, which doesn't affect your score.