Why Choose a Fixed-Rate Home Loan?
A Fixed-Rate Mortgage lets you make the same monthly payments for the life of your loan. This means there won't be any surprises to your budget.
Even though the payment stays the same each month, the amount that goes towards interest and principle will change over time. During the first few years, you'll likely be making payments primarily towards interest.
The main advantage of a fixed-rate loan is that it protects you from sudden and potentially significant increases in monthly mortgage payments if interest rates rise.
The downside to fixed-rate mortgages is that when interest rates are high, qualifying for a loan could be difficult because the payments are less affordable.
Our Fixed-rate Mortgage Rates
Rates are subject to change without notice.
Home Buying Help
Home Buying Articles
Before You Buy
Buying a home is an exciting time and a huge achievement. Before you buy that welcome mat, here are 11 things you should know and do.
What Not to Do
A lot of first-time home buyers make the same mistakes. So, before you buy that welcome mat, here are 7 things to avoid when buying your first home.
How Long Does it Take?
Tired of renting? Learn about the steps to buying a house in the Bay Area, how long it takes, and how to speed up the process.
Frequently Asked Questions
What can you expect when you apply for a mortgage?
Should I choose a 15 or 30-year loan?
What is an adjustable rate mortgage?
What are closing fees and how are they determined?
What is title insurance and why do I need it?
Why choose an adjustable-rate mortgage
An Adjustable-Rate Mortgage (ARM) could save you money initially. But they don't offer the same stability as a Fixed-Rate Mortgage. Find out if an Adjustable-Rate Mortgage is right for you.
The difference between conforming and jumbo loans
If you're looking at a house that's more than $970,800, you'll need to apply for a Jumbo Loan, but there are still flexible options.
- Flat Fee Services are available for California properties only and do not apply to FHS. Flat fee does not include title and escrow fees. Appraisal fee will be collected up front during the loan application process. Appraisal deposit is credited towards closing costs at funding. Appraisal deposits may by refunded if the loan 1. doesn't fund or 2. is cancelled (withdrawn) before an appraisal is ordered. Appraisal costs may vary based on property and transaction type