Loan Program
Fixed Rate Mortgage
The most predictable structure available, and often the right one.
Overview
What this program is for.
With a fixed rate mortgage, the interest rate and the payments remain the same for the entire term of the loan. For most owner-occupied buyers who intend to hold a home for years, that predictability is worth more than shaving a fraction off an initial rate.
Where an adjustable structure genuinely fits a shorter horizon, Andrew will say so — the goal is the right loan, not any loan.
Highlights
Fixed Rate Mortgage at a glance.
Payment certainty
The same principal-and-interest payment for the full term.
15, 20 or 30 year
Terms compared on total interest, not just monthly payment.
Purchase or refinance
Available on both.
Modeled first
Run the numbers in the calculator before you decide.
How It Runs
The same four steps, every file.
01 — Pre-Approval
A loan pre-approval sets you up for a smooth home buying experience, and tells you exactly what you are working with before you start shopping.
02 — Loan Application
A few documents are needed to get your loan file through underwriting. Andrew tells you precisely which ones, once.
03 — Underwriting
Andrew’s team closely evaluates all the documentation in the loan package and clears conditions as they come.
04 — Closing
Documents are drawn and sent to the title company for closing.
Also Consider
Related programs.
VA Loans
Flexible options for eligible veterans and service members, as fixed-rate or ARM mortgages.
Learn more →
