The traditional 30-year fixed-rate mortgage features a constant interest rate and monthly payments that never change, making it a reliable choice if you plan to stay in your home for seven years or longer. With stable-rate loans, you gain predictability and peace of mind, knowing that your payments will remain the same. If you anticipate moving within seven years, these loans are generally more cost-effective, providing stability in your financial planning.

At High Country Mortgage, we simplify the home loan process with our expertise and user-friendly tools, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier. We guide you through the entire journey, helping you understand the differences between loan programs so you can choose the one that best fits your needs, whether you're a first-time homebuyer or a seasoned investor.

Do I Qualify?

As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans. When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan.