30-year fixed. One steady payment for the life of the loan
Lock in one rate for all 30 years. We shop your loan with 130+ lenders to find the best fit.
What a 30-year fixed mortgage is
Your rate stays the same for the whole 30-year term, so your principal and interest payment never changes.
Spreading the loan over 30 years keeps the monthly payment lower than a shorter term, which is why it's the most popular choice.
Who it fits
- Buyers who plan to put down roots
- Homeowners who want a predictable payment
- First-time buyers watching their monthly budget
- Homeowners refinancing out of an adjustable rate
How it works with us
- Tell us your goalsBuy or refinance, price range 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 30-year fixed beside shorter terms and adjustable rates so you can choose.
- CloseWe keep the appraisal, lender and title moving, and get you to closing.
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
Good to know
Does my payment ever change?
Your principal and interest stay the same. Taxes and insurance, if escrowed, can change over time.
Can I pay it off early?
Many loans let you pay extra toward principal. We'll confirm the terms of the loan you choose.
Is a 30-year fixed available for refinancing?
Yes. You can refinance into a 30-year fixed, including from an adjustable-rate loan.
Which loan programs offer a 30-year fixed?
Conventional, FHA, VA, USDA and jumbo loans all offer 30-year fixed terms.