Earnest Haynes
Earnest Haynes Residential Mortgage Loan Officer NMLS #1281841 Call Today (803) 387-0447

Are 30-Year Fixed Rate Mortgages Right For You?

Get a quote on a 30-year fixed rate mortgage. Get started today!

The Lowdown on 30-Year Fixed Rate Mortgage...

Our 30-Year Fixed Rates Are Low & Our Process is Quick & Painless

The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then stable-rate loans are usually cheaper.

We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our 30-Year Fixed Rate Mortgage Qualifier.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

The 30-Year Fixed Rate Mortgage Loan Process

Here’s how our home loan process works:

  • Complete our simple 30-Year Fixed Rate Mortgage Qualifier
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

*All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Guidelines subject to change. VA loan subject to veteran's full eligibility. USDA Program is for primary residence only and Income and Geographic limits apply.

Do I Qualify?

As a general rule, fixed-rate loans offer a higher level of security for the borrower. You know that your rate will never increase throughout the life of that loan. When interest rates are low, fixed-rate loans are typically the way to go. As rates fluctuate, you may want to give some consideration to factors such as how long you intend to occupy the home, will you lease it out in the future as an investment property, or do you want to tap into equity at some point? We can help guide you through these and many other possible scenarios!

What loan programs do we offer? Easy… pretty much all of them!

  • Fixed Rate Mortgages
  • Adjustable Rates (ARM)
  • Conforming Loans
  • Construction Loans (Including One-Time & Two-Time Close)
  • Jumbo & Super Jumbo Loans
  • FHA, VA, & USDA Loans
  • Reverse Mortgages