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A fixed-rate mortgage is the most popular loan program...

A fixed-rate mortgage is the most popular loan program chosen by homeowners. If you are one of the many homeowners who desire a stable monthly interest rate and payment over the life of your loan, then a fixed rate could be the right loan for you, too.



With a fixed-rate loan, it doesn’t matter what is happening in the market. If interest rates begin fluctuating wildly, your rates will remain steady and sure. Nobody knows what the future holds, but with a fixed-rate mortgage you can have the peace of mind that nothing will cause your rates and payments to rise.



Your financial planning is made easier when you know what your mortgage payments will look like for the next 15 or 30 years. Set and reach short-term and long-term financial goals by knowing your interest rates will never go up, and neither will your payments. With a fixed-rate mortgage, your principal and interest payment is set in stone. While your property taxes and homeowner’s insurance may change throughout the years, your principal and interest payments will be reliable and consistent.



Choose a fixed-rate term that works for your financial goals. You have the freedom to select a 15-year or 30-year fixed-rate loan. In addition, you can pay your loan off faster whenever you would like. If you choose, you can make higher monthly payments and reduce the amount of time it will take to pay down your principal or pay off your mortgage before the end of your fixed term.


30 Year Fixed


  • The most popular mortgage loan program

  • A stable interest rate and reliable monthly payments over the life of your loan

  • Build equity over time and pay principal balance down faster whenever you choose


A 30-year fixed is a great option when you want peace of mind of stable monthly payments to reach your long-term financial goals.   Example,  30 Year Fixed: Loan amount $300,000, 20% down, monthly payment without taxes and insurance $1,475.00, APR 4.389% 


15 Year Fixed


  • Interest rates are typically lower than 30-year fixed

  • A fixed rate loan that allows you to pay principal down faster than 30-year fixed

  • Pay higher monthly payments in order to pay less in total interest over life of loan


A 15-year fixed is a terrific option when you prefer a higher monthly payment in exchange for paying less in interest, want to pay your house off sooner, or when you have short-term plans for your home.  Example,  15 Year Fixed: Loan amount $300,000, 20% down, monthly payment without taxes and insurance $2,256.84, APR 4.495% 


 *Please visit our Disclosures page for more details for all loan types.   

Thomas Nguyen, NMLS #1555493, Loan Consultant, Licensed in CA

2220 Douglas blvd., Ste 220, Roseville CA 95661.  Branch NMLS #1299922
Phone: (916) 521-5508  Email:


 Licensed by the Dept. of Business Oversight under the California Residential Mortgage Lending Act.  Equal Housing Opportunity 

 ©2020 American Pacific Mortgage Corporation. All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend.   All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply.

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