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    • Home
    • Loan Programs
      • Conventional Loans
      • Fixed Rate Loans
      • FHA Loans
      • USDA Loans
      • VA Loans
      • Reverse Mortgages
      • Refinancing
      • Down Payment Assistance
    • Loan Calculators
    • Resources
      • Realtor Resources
    • Contact
  • Home
  • Loan Programs
    • Conventional Loans
    • Fixed Rate Loans
    • FHA Loans
    • USDA Loans
    • VA Loans
    • Reverse Mortgages
    • Refinancing
    • Down Payment Assistance
  • Loan Calculators
  • Resources
    • Realtor Resources
  • Contact

Fixed- Rate Loans

Additional Information

A fixed-rate mortgage is a dependable choice if you value predictability and peace of mind. With steady payments over the life of the loan, you’ll always know what to expect, making it easier to plan and budget with confidence.

Predictable Payments
Because your interest rate never changes, your monthly principal and interest stay the same. That consistency makes it simple to manage your finances year after year.

Protection from Rising Rates
No matter what happens in the market, your rate stays locked in. You’re shielded from sudden increases, which can be especially reassuring during times of economic uncertainty.

Long-Term Stability
Whether you choose a 15-, 20-, or 30-year term, a fixed-rate loan provides stability throughout the life of your mortgage.

No Surprise Refinancing
Unlike adjustable-rate mortgages, you don’t have to worry about refinancing just to keep payments affordable. Your fixed rate is locked in from day one.

Easy to Compare
Because the rate is set, comparing loan options becomes straightforward, helping you choose the mortgage that fits your financial goals.

Reliable. Steady. Secure.
With a fixed-rate loan, you can focus on building your future, knowing your home payment will stay the same.

Learn More

 

  • Lock in Peace of Mind
     
  • Payments That Never Change
     
  • Steady, Reliable, Predictable
     
  • Your Rate. Your Terms. No Surprises.
     
  • Long-Term Stability You Can Count On

Find out more

Sarah Beers

sbeers@hancockmortgage.com

 NMLS #1481311


Hancock Mortgage a DBA of City First Mortgage Services, LLC NMLS # 3117 and is not an agency of the federal government and is not acting on behalf of or at the direction of HUD/FHA. City First is an Equal Housing Lender. Programs, rates and terms subject to change without notice. Underwriting terms & conditions apply.


Copyright © 2025 Sarah Beers - All Rights Reserved.

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