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Putting them first since 2005.

Fixed-rate Mortgage

Get predictable monthly payments

A Fixed-Rate Mortgage lets you make the same monthly payment for the life of your loan. This means there are no surprises to your budget. Find out if it's right for you.

Why an SF Fire Fixed-Rate Mortgage?

Rates as low as

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 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.

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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.

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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.

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Frequently Asked Questions

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Adjustable-rate Loans

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.

Learn More

Jumbo Home Loan

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.

Learn More

  1. Flat Fee Services include fees for credit reports, flood certificate, tax service, document prep, processing and underwriting. Flat Fee Services do not include appraisal, title or escrow fees or other fees not exclusively listed under Flat Fee Services. Appraisal fees will be collected prior to an appraisal being ordered and are not refundable once the appraisal has been started. Appraisal, title, escrows and other costs not exclusively listed under Flat Fee Services vary based on property and transaction type.