Stability for the long game.
The most common home loan in America, for good reason. Predictable payments, maximum buying power, and a rate that never changes.
Estimate a 30-year payment
$2,560/mo
Principal and interest only. Example inputs; not a rate quote or loan offer.
- Loan Term
- 30 years
- Rate Type
- Fixed, never changes
- Best For
- Primary home buyers
- Down Payment
- As low as 3%
The foundation of homeownership.
A 30-year fixed mortgage locks your interest rate and monthly payment for the entire life of the loan, 360 payments, same amount every time. No surprises. No rate adjustments. No anxiety when the market moves.
The longer term keeps monthly payments lower than a 15-year loan, giving you more flexibility in your monthly budget while still building equity every single month.
Who it’s for
- First-time homebuyers who want payment certainty
- Families buying their primary residence
- Buyers who want to maximize purchasing power
- Anyone planning to stay in their home long-term
- Buyers who prefer lower monthly payments over faster payoff
How it works.
- 1
Get pre-approved
Donna reviews your income, credit, and assets to determine your buying power and lock in a rate.
- 2
Find your home
Shop with confidence knowing exactly what you qualify for. Your pre-approval letter makes you competitive.
- 3
Lock your rate
Once under contract, we lock your interest rate so market fluctuations don't affect your payment.
- 4
Close and move in
Typically 30-45 days from contract to keys. Donna guides every step of the process.
30-Year Fixed at a glance
- Rate and payment never change
- Available for primary homes, second homes, investment properties
- Down payments as low as 3% with qualifying programs
- Can be paired with down payment assistance programs
- Refinance option available if rates drop significantly