Fixed Rate Mortgages
Lock a principal-and-interest payment that stays the same for 15, 20, or 30 years.
Why a Fixed Rate?
A fixed-rate mortgage keeps the interest rate — and the principal-and-interest portion of your payment — unchanged for the full term. Taxes and insurance can still change. Fixed rates are the default choice for buyers who want payment certainty and plan to keep the loan for many years.
About Fixed Rate Home Loans
30-year fixed remains the most common purchase loan in the U.S. 15-year and 20-year fixed loans build equity faster with a higher monthly payment and typically a lower rate.
We price conventional, jumbo, FHA, VA, and USDA fixed-rate options side by side so you can pick the term and program that fit your cash flow.
The Fixed Rate Quote Process
Here’s how the process works with Primal Lending.
- 01
Complete our simple qualifier so we understand your goals, timeline, and credit profile.
- 02
Receive options based on your unique scenario — program, term, occupancy, and property type.
- 03
Choose the offer that best fits your payment, down payment, and long-term plans.
- 04
We coordinate processing, appraisal, and closing so you can move with confidence.