15-Year Fixed Rate Mortgage on the Cheap!

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What is a 15-year fixed rate mortgage

15-year fixed rate mortgages are the most popular type of mortgage and a fantastic option for people who want to pay off their home loan quickly. They come with lower monthly payments which may be cheaper than your current payment or you’re looking to refinance into a new home at a more favorable interest rate.

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The Lowdown on 15-Year Fixed Rate Mortgage...

15 Year Fixed Mortgage

Our 15-Year Fixed Rates Are Low & Our Process is Quick & Painless

This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you’ll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment. Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years. This approach is often safer than committing to a higher monthly payment, since the difference in interest rates isn’t that great.

We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 15-Year Fixed Rate Mortgage Qualifier.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

The 15-Year Fixed Rate Mortgage Loan Process

Here’s how our home loan process works:

  • Complete our simple 15-Year Fixed Rate Mortgage Qualifier
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

Do I Qualify?

As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans. When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan.

  • Fixed Rates
  • Adjustable Rates (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA, & USDA Loans
  • Terms from 5 to 30 Years

Why should you choose a 15-year fixed rate mortgage

The 15 year fixed rate mortgage is a competitive option for borrowers because they do not have to worry about fluctuating interest rates or the end of their term, which can happen with other mortgages like an adjustable rate mortgage (ARM). As your property values rise, so will the equity in your home. This can help you finance a down payment on future real estate purchases or fund other investments.

What are the benefits of getting a 15-year fixed-rate mortgage

Fifteen years is a long time, so it will take less of your life to pay off the loan. You'll be that much closer to retirement, and you won't have any mortgage payments hanging over your head for 30 or more years. If you plan on staying in your home during this period, then getting a 15 year fixed rate mortgage can be a great idea. If you're not, then the 15-year term may make more sense for your situation. There are many factors that go into deciding whether or not to take out this type of loan, including how much money you want in retirement savings and what interest rates will do during the next 15 years.

We’ll let you know what rate is right for you.

It may seem like a daunting task to go through the mortgage process on your own, but it doesn’t have to be. At Longstreet Financial, we will walk you through all of the steps necessary for you at no cost or obligation. All of our representatives are here to help answer any questions that you might have about your options.

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