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30-Year Fixed Rate Mortgage

What is a 30-Year Fixed Rate Mortgage?

The 30-Year Fixed Rate Mortgage is the most popular home loan option in the U.S., offering borrowers a fixed interest rate and predictable monthly payments over a 30-year term. This loan is well-suited for those looking for lower monthly payments and long-term financial flexibility.

Who is This Loan Best For?

The 30-year fixed mortgage is a great fit for:

 

  • First-Time Homebuyers: Looking for affordable monthly payments.

  • Long-Term Planners: Buyers who plan to stay in their home for many years.

  • Budget-Conscious Buyers: Wanting to free up monthly cash flow for other expenses.

Features of 30-Year Fixed Rate Mortgages

Lower Monthly Payments

Spreading payments over 30 years keeps monthly costs lower and more manageable.

Stable and Predictable

Fixed interest rates ensure your payments won’t increase, even if market rates do.

Easier Qualification

Lower monthly obligations may help more buyers qualify for a home loan.

Ideal for Long-Term Owners

Perfect for homeowners planning to stay in their property long-term.

Possibility starts here

Get approved for your mortgage.

It may be hard to believe, but in just a few clicks, a new home or mortgage savings could be yours.

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Client testimonials

What They Say About Us

Sarah M.
"Working with NEXA Mortgage was a game-changer. As a first-time homebuyer, I was nervous about the process, but they were so patient, explaining every detail and helping me find a loan that fit my budget. They truly made me feel like family. I’d recommend them to anyone!"
Kevin L.
"I was looking to refinance, but I’d been putting it off because of all the paperwork. NEXA Mortgage took care of everything and got me an incredible rate! The whole experience was straightforward, quick, and stress-free. I’m saving over $200 a month on my mortgage now!"
Luis G.
"I’d heard horror stories about mortgage brokers, but NEXA Mortgage changed my mind. They found me a great deal on my mortgage, and the whole team was responsive, friendly, and genuinely invested in helping me close on my dream home. I’m beyond grateful!"
Amy T.
"NEXA Mortgage turned what I thought would be a long, confusing process into a breeze. They answered all my questions, gave me solid advice, and were with me every step of the way. Thanks to them, I’m officially a homeowner! Can’t thank them enough."
Marcus J.
"As a veteran, finding a loan that respected my service was important to me. NEXA Mortgage guided me through every VA loan benefit, securing terms that worked for me and my family. This team knows their stuff and respects their clients – highly recommend!"
Jasmine H.
"I had some credit challenges, but NEXA Mortgage didn’t treat me any differently. They found options that other lenders didn’t and walked me through ways to improve my credit. Thanks to them, I’m a homeowner – something I didn’t think was possible!"