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Fannie Mae, Ginnie Mae and Freddie Mac back these mortgages, which is another reason so many people get them. Your monthly payments will be lower compared to some other mortgages. That means more money to spend celebrating your smart decisions.

Key Features of a 30 Year Fixed Rate Mortgage

  • Fixed rates so you know what you're paying every month
  • Lower monthly payments than 15 year mortgages
  • Get a mortgage with only 5% down payment
  • Put down 20% or more and you won’t pay mortgage insurance


Down Payment 5% of the final loan amount
Terms 30 years, fixed rate
Credit Score 620 minimum
Mortgage Insurance No, if under 80% loan-to-value
Maximum Loan Limit Yes*
*Some “high balance” areas have loan limits above the standard level.

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If you're ready to take the next step, work with a team that can provide the personal attention you deserve. Our mortgage company has helped over 200,000 borrowers fulfill their dream of home ownership. We'd love to help you too!