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Fixed-rate loan

30-Year Fixed: the stability of one payment.

The 30-year fixed is the most popular mortgage in America for a reason. Your rate and principal-and-interest payment never change, so you can budget with confidence for the long haul.

30-Year Fixed loan in Naples, Florida
Why it works

What a 30-Year Fixed gets you.

Lower monthly payment spread over 30 years, total predictability, and the freedom to pay extra whenever you want without penalty.

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Warm Naples home interior
The highlights

30-Year Fixed at a glance.

Same principal & interest payment for the life of the loan

The lowest monthly payment of the fixed options

Great for buyers who plan to stay put for years

Questions

30-Year Fixed FAQs.

Is a 30-year fixed right for me?

If you want the most affordable monthly payment and long-term predictability, it is hard to beat. Erlis will compare it against a 15-year and an ARM so you see the trade-offs.

Can I pay it off early?

Yes. There is no prepayment penalty, so you can add to principal any month and shave years off the loan.

Southwest Florida home

See if a 30-Year Fixed fits you.

Free to check, with no impact to your credit. Erlis runs your exact numbers and compares your options.

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