714-814-2125

Fixed Rate Mortgages

Find Stability with Fixed-Rate Mortgages.

Secure your future with a fixed-rate mortgage. Predictable payments, peace of mind.

Pre-approval Letter

I need this  

First-Time Home Buyer

I need this  

Home Purchase Loan

I need this  

Refinance my Home

I need this  

Lower my Interest Rate

I need this  

Reverse Mortgage

I need this  

Construction Loan

I need this  

Fixed-Rate Mortgages Offer the Ultimate Peace of Mind in Homeownership.

Find Serenity in Fixed-Rate Homeownership

With a constant interest rate throughout the life of your loan, your monthly principal and interest payments remain unchanged. This stability makes budgeting simpler and protects you against the fluctuation of market interest rates.

AmeriTrust_FixedRateMortgages

What are Fixed-Rate Mortgages?

  • Mortgages with an interest rate that remain constant throughout the loan term.

Tax Benefits of Fixed-Rate Mortgages

  • Interest Deduction Mortgage interest is often tax-deductible, lowering taxable income.

  • Property Tax Deduction Coupled with mortgage interest, property taxes paid can also be deductible.

Benefits of Fixed-Rate Mortgages

Predictability

Same monthly principal and interest payments.

Stability

No worries about rising interest rates affecting your payments.

Simplicity

Easier to understand and plan for than adjustable-rate mortgages.

Why Rate Lock Matters?

1

30-Year Fixed

Standard, long-term mortgage with lower monthly payments.

2

15-Year Fixed

Higher monthly payments but less interest over the life of the loan.

3

20, 10, and Other Year Terms

Various terms offer a balance between monthly payment amount and total interest paid.

Fixed-Rate Mortgage Programs

1

Conventional Loans

Not government-insured; adhere to Fannie Mae and Freddie Mac guidelines.

Learn More

2

FHA Loans

Insured by the Federal Housing Administration, offering lower down payments.

Learn More

3

VA Loans

For veterans and service members, featuring no down payment options.

Learn More

4

USDA Loans

For rural homebuyers, often requiring no down payment.

Learn More

Fixed-rate mortgages stand as a beacon of stability.

Whether you're embarking on the journey of homeownership for the first time or looking to refinance, a fixed-rate mortgage offers a secure, worry-free option. Embracing this tried-and-true financing method means investing in your future with confidence, knowing that your most significant financial commitment remains constant, no matter how the tides of the economy may turn.

Five commons

Home Buying Myths

01

I Do Not need 20% down to buy a home.

02

I Do Not need perfect credit to buy a home.

03

I Do need a dedicated Loan Agent.

04

A 30-year, fixed-rate mortgage is not always the best.

05

Buying a home is always better than renting.

06

Ask a Loan Office to compare FHA vs Conventional.

State
City
%
$

Verify you're a human, Whats 9+10?

Info_Circle

Our Loan Programs

5 - 8 UNIT

MIXED USE DSCR
  • •660+ FICO
  • •Min. DSCR 1.00
  • •Loans to $2MM
  • •Interest-Only Available
  • •5-8 Units Allowed
  • •$1M Max Cash-Out
  • •Mixed Use Limited to Retail/ Office

1099

Loans
  • •Credit Score Start at 660
  • •Loans to $ 4MM
  • •55% Max DTI (Primary)
  • •LTV to 90%
  • •Unlimited Cash Out
  • •Non-Warrantable Condos
  • •Condotels OK

Bank Statement Loans

  • •Credit Score-660
  • •Loans upto $ 4MM
  • •LTV to 90%
  • •55% Max DTI (Primary)
  • •Unlimited Cash Out
  • •Non-Warrantable Condos
  • •Condotels OK

Down Payment

Assistance
  • •Credit Scores Start at 600
  • •Up to 103% Max LTV*
  • •Up to 3.5% of the Appraised Value on FHA Loans
  • •Value on
  • •FHA Loans
  • •LTV* to 90%
  • •Primary Residence Only

CALHAF - Home

Assistance DPA
  • Credit Scores - 680
  • LTV to 97%
  • MI Required
  • Loans to 3% of the Appraised Value
  • Secondary Financing to accompany a CalFHA
  • Mortgage
  • First - Time Home Buyer Opportunity

Blanket DSCR

Loans
  • 680+ FICO
  • LTV* to 80%
  • Fixed Loan
  • Min. DSCR is 1.0
  • Loans to $6.25MM
  • Multiple Properties
  • Min. 2 and Max 25 Properties Allowed
  • Purchase, Rate & Term,
  • Cash-Out Allowed
  • Investor Opportunity

ITIN

Loans
  • Credit Scores - 680
  • LTV to 97%
  • MI Required
  • Loans to 3% of the Appraised Value
  • Secondary Financing to accompany a CalFHA
  • Mortgage
  • First - Time Home Buyer Opportunity

No Ratio

DSCR
  • 1
  • Credit Scores - 660
  • 2
  • Loans to $ 3MM
  • 3
  • LTV* to 75%
  • 4
  • Short Term Rentals (AirBnB/VRBO)
  • 5
  • Qualify off of Interest-Only Payments

Frequently Asked Questions

FAQs for first-time home buyers, providing clear and concise answers to common queries:

Homeownership Adventure

Turn your dream home into reality with our expert loan officers ready to guide you.

Onyx Group Mortgage navbar logo

NMLS# 390320

E Mortgage Capital logo

NMLS# 237507

Stay Connected

Phone: 714-814-2125

Address: 6 Hutton Centre Drive,

Suite 1030, Santa Ana,CA92707

Terms & Conditions  | Privacy Policy 
Copyright © 2023 OnY Glo, Inc DBA Loanlock (NMLS 237507) Equal Housing Lender