Fixed Rate Loans

Home Loans Plus offers a wide variety of home loans for every borrower. You'll find everything you need to know about each type of home loan and its advantages here. Or, if you'd just like us to help match you up to your best choices based on your preferences.

30 Yr Fixed Rate Home Loan Keeps home loan payments affordable by extending them over a long period of time. It also provides maximum tax-deductible interest, because it is stretched over 30 years.

15 Yr Fixed Rate Home Loan Has higher payments than a 30 year or 20 year home loan, but a lower interest rate. The 15 year also saves considerable money on total interest paid over the life of your loan & Builds equity in your home faster.

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Why choose a fixed rate mortgage?

If you plan to be in your home for a number of years and have a fixed income or prefer not to take the interest-rate risk associated with an adjustable rate mortgage, a fixed rate mortgage would be your most appropriate choice.

Conforming Fixed Rate Mortgages
Conforming loans are those that meet guidelines established by The Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac). Interest rates for conforming mortgages are generally less than those for non-conforming, or jumbo, mortgages. The conforming loan limits for 2003 are as follows: