For home buyers and homeowners
30-year fixed loan
Benefit from lower monthly payments and a steady interest rate. Ideal for buying or refinancing.
Is a 30-year loan for you?
Fixed Interest Rate
Your rate won’t change for the entire loan term. Predictable.
Low Down Payment Option
3% down might qualify — but you’ll pay mortgage insurance unless you hit 20%.
Lower Monthly Payments
A longer term often means more manageable monthly payments.
No Prepayment Penalty
You can pay off your loan early — just confirm with your servicer how extra payments are applied.
Understanding the guidelines
These are general pointers. If they sound like you, let’s talk—no pressure. We’ll explore if this loan is your best fit or find one that truly matches your goals.
Loan purpose
Use this loan to buy a home or refinance your current one. We guide you through both.
About refinancing
Credit profile
Lenders typically look for a score of 620+. Let’s review your credit picture together.
About credit score
DTI ratio
Your DTI (monthly debts vs. gross income) should ideally be under 50% to manage new payments.
About DTI ratios
Closing costs
Plan for closing costs. These are fees for loan services, separate from your down payment.
About closing costs

Estimate Your Possibilities
Use our calculators to explore numbers and understand what might work for you.
Fequently asked questions
You asked about this loan. We listened. Here are answers based on research from fellow homebuyers, like you.