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Your dream home awaits

When you’ve found the perfect home, you want the perfect mortgage. A fixed-rate loan may be just what you’re looking for when you want to lock in your rate and avoid the risk of higher mortgage payments down the road.

Overview

No interest rate surprises

A conventional fixed-rate mortgage offers stability and security by keeping your interest rate and monthly payment the same throughout the life of the loan. You’ll know exactly how much you’ll have to pay each month which will make your budget easier to keep up with.

10-30 year terms
Predictable payments
Interest rate won’t change
Fixed-rate mortgages are more popular, but adjustable-rate mortgages can provide some cost savings depending on your circumstances. Talk to a mortgage specialist to learn more. Call (863) 688-8443 or toll free (855) 915-4663, request a consultation or start your application online.


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Features

Learn about Fixed-Rate Mortgages

  • Predictable monthly payments (principal & interest)
  • Interest rate does not change
  • You choose your loan term - 10, 15, 20 or 30 years
  • Buy a home with as little as 3% down1
  • No penalty for paying your loan off early
  • Option for bi-weekly payments or additional principal-only payments 
  • Jumbo loans also available

Things to Consider

  • If your taxes and insurance are escrowed, the escrow portion of your monthly payment can change each year. Only the principal and interest payments will remain fixed.
  • Choosing a longer term can lower your monthly payment, but you will pay more in interest over the life of the loan.
  • Your interest rate stays the same even if market rates decrease.
  • The length of time you plan to stay in your home should be considered when choosing a loan.

Refinance

Thinking about refinancing?

Whether you want to lower your monthly payment, pay off your home sooner or get cash out of your home’s equity, see how refinancing your home can help you reach your goals. Talk to a mortgage specialist to find out more.
Notices & Disclosures
1
Payment example: A 30-year fixed-rate loan for $150,000 with 3% down at 5.00% and an Annual Percentage Rate (APR) of 5.743% would have a monthly payment of $879.34, which includes principal, interest, and private mortgage insurance.