The 30-Year Fixed Mortgage – Most popular loan

• A 30-year fixed mortgage has an interest rate that won’t change for the life of your loan. We also offer fixed rate mortgages for 10, 15, 20, and 25 year terms.
• If you aren’t moving or refinancing in the next few years, a fixed rate mortgage may be your best choice. This is one of the most conservative plan that a homebuyer can have
• Rates for 30-year fixed mortgages are currently at or near historic lows.
• Put as little as 5% down on a 30-year fixed mortgage.
• Refinance up to 95% of your home value. Or, refinance up to 80% to take cash out and pay down debt.
• Are you eligible for President Obama’s Making Home Affordable Program? Check out our easy calculator.
• Jumbo loan option also available just for you

Talk with a Home Loan Consultant now at (866) 594-5684 or fill out the short form on the right to get started!

Why Should You Choose Kwik Mortgage?

When it comes to your finances, we know the mortgage company you choose is important. We want you to know that we keep the same importance in our minds when serving your needs. Our clients are our top priority. We strive to bring you the best service in the industry, and promise to make this your best mortgage experience ever. When you work with us, you're dealing with an experienced, reputable company. For over 10 years we've been helping families just like yours refinance or purchase their homes. Our technology and great people allows us to process your loan in half the time of most other lenders. And our dedication to customer service ensures your experience will be smooth and efficient.

The 30-Year Fixed Mortgage – Our Most Popular Loan for Security and Mortgage Payment Stability

A 30-year fixed mortgage has an interest rate that won't change for the life of your loan. It's the best security against rising mortgage rates and higher payments. If you know you don't plan on moving or refinancing in the next few years, a fixed rate mortgage may be your best choice.

• Rates for 30-year fixed mortgages are currently at or near historic lows. This means your mortgage payment starts low and stays there.
• Don't have a full down payment (20%)? You can still get the security of a low, fixed payment. You can put as little as 5% down with a 30-year fixed mortgage on your primary residence.
• While the 30-year fixed mortgage is our most popular choice, we also offer fixed rate mortgages for 10, 15, 20, and 25 year terms. The shorter your term, the less interest you'll pay. No matter how long you finance your mortgage, you'll have the peace of mind in always knowing your payment so you can plan your budget. Need to Refinance?
• A 30-year fixed mortgage is a great way to refinance up to 95% of your primary home's value. Or, refinance up to 80% to take cash out and pay down debt.
• Nine million more Americans could be eligible for a refinance with President Obama's Making Home Affordable Program. If you think you might qualify, check out our easy calculator.

  Is Your Loan Amount over $417,000?

  • We have a jumbo loan option available just for you! Congress has approved changes that may get you a lower mortgage rate. In some instances a SFR can go up to $729,500 as a loan amount. Call us to see if your county qualifies.

  How the 30-Year Fixed Rate Loan Works

  • Your monthly payment is based on your interest rate, your principal loan amount, and your actual interest amortized over 30 years. Amortization can be complicated, call us at (866) 594-5684 and we'd be happy to explain.
  • Your actual mortgage payment will vary based on your situation and the current interest rate when you apply.
  • Kwik Mortgage allows you to refinance your mortgage at any time without paying pre-payment penalties.
  • You can also choose to get a fixed rate mortgage for 10, 20, 25, or 30 years. A longer term will result in a lower monthly payment, but more total interest due on the mortgage.

  Want lower mortgage insurance?

  • Split PMI unlike FHA allows you to pay part of your Private Mortgage Insurance (PMI) upfront, lowering your monthly PMI for as long as you're in your loan.

  The Kwik Mortgage Buy Down

  • If you choose to add Buy down to your loan, you can temporarily buy down your rate for up to three years. You'll get a lower payment with the security of a fixed rate.
  • If you're selling a home, Buy down is a great way to make your house more attractive to potential buyers. If you're buying a home, tell your seller about this innovative seller concession. If you're relocating and your company is covering your moving expenses, use the money for a lower rate with Buy Down.
  • Customize Buy down to fit your situation – you can buy your rate down for three years, two years or just one year. The choice is yours!

  Who is the perfect candidate for the 30 year Fixed product?

  • People who want to avoid rising interest rates and payments.
  • Homeowners who plan on owning their home for 10 years or more.
  • People who need a fixed mortgage for more than $417,000. The Kwik Mortgage jumbo loan offers the best rates in the industry with payment flexibility. And did you know that Congress approved changes that may get you a lower rate on a jumbo loan? Call our Home Loan Consultant at (866) 594-5684 to find out if your county qualifies!
  • Learn more about getting pre-approved online now for your home loan or call (866) 594-5684
  • Get started today and apply for your mortgage