Loan Options • Fixed Rate Mortgage
Fixed rate mortgages
Lock in one interest rate for the life of your loan so your principal and interest payment never changes.
★★★★★ 5.0 on Google from 160+ clients | Company NMLS #1835856
At a glance
- Same principal and interest payment for the life of the loan
- A choice of loan terms to fit your budget and goals
- Available for purchases and refinances
- Conventional, FHA, VA and USDA options
Talk with a licensed loan officer
Is it right for you?
Who it’s for
A fixed rate loan is a good fit if you plan to stay in your home for years and want a predictable payment you can budget around. Your taxes and insurance can still change, but your principal and interest will not.
Good to know
- Shorter terms usually mean higher payments but less total interest.
- Longer terms keep the payment lower and give you room in your budget.
- Your loan officer will compare terms side by side so you can choose with confidence.
How it works
- Talk with usA quick, no-pressure call about your goals and budget.
- Apply onlineA secure application you can finish in minutes.
- Review your optionsClear numbers side by side so you can choose with confidence.
- CloseRegular updates from approval to the closing table.
FAQs
Common questions
What stays the same with a fixed rate loan?
Your interest rate and your principal and interest payment stay the same for the life of the loan. If your payment includes property taxes and homeowners insurance, that portion can change when those bills change.
Should I choose a shorter or longer term?
A shorter term builds equity faster and usually costs less interest over time, while a longer term keeps the monthly payment lower. We will show you both so you can decide what fits.
Can I refinance a fixed rate loan later?
Yes. If rates drop or your goals change, you can explore a refinance. Talk with your loan officer about whether the savings outweigh the costs.
This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, property eligibility and program availability. Not all applicants will qualify. Terms and programs may change without notice. FLO Mortgage, Company NMLS #1835856. Equal Housing Opportunity. Licensing & Disclosures.
Ready to see your numbers?
Answer a few quick questions and a local loan officer will follow up with your options.