Loan Program
Fixed Rate Mortgage
The most predictable structure available, and usually the right one.
Overview
What this program is for.
With a fixed rate mortgage the rate and the principal-and-interest payment remain the same for the full term. For owner-occupied buyers who plan to hold a home for years, that predictability is usually worth more than shaving a fraction off an initial rate.
Where an adjustable structure genuinely fits a shorter horizon, Cameron will say so. The goal is the right loan, not any loan.
Highlights
Fixed Rate Mortgage at a glance.
Payment certainty
The same principal-and-interest payment for the full term.
15, 20 or 30 year
Terms compared on total interest, not only monthly payment.
Purchase or refinance
Available on both sides of the transaction.
Modeled first
Run the numbers in the calculator before you decide.
How It Runs
The same four steps, every file.
01. Pre-Approval
A real pre-approval tells you your range, makes your offer credible to a listing agent, and sets the rest of the file up to move fast.
02. Loan Application
A defined document list, given to you once and up front, not drip-fed as a series of surprise requests.
03. Underwriting
Your file is reviewed and conditions are cleared as they come in. You are told where the file stands, not left guessing.
04. Closing
Documents are drawn and sent to the title company, and you sign.
Also Consider
Related programs.
VA Loans
The strongest benefit available to eligible veterans, service members and surviving spouses.
Learn more →
