If you value consistency and fewer surprises over time, a fixed-rate mortgage offers the stability to plan with confidence

Payments you can count on

With a Fixed-Rate Mortgage, your interest rate does not change. Your principal and interest payments remain steady from start to finish. That consistency can make budgeting simpler and long-term planning more predictable.

Consistent principal and interest payment every month

Your principal and interest payment stays the same for the life of the loan. You’ll always know what to expect — month after month, year after year. 

Choose a loan length that fits your goals

Fixed-Rate Mortgages are available in 10, 15, 20, and 30-year terms. A shorter term helps you pay off your home sooner and reduce total interest paid. A longer term can lower your monthly payment. We’ll help you review what fits your goals.

Lower upfront cost options

You may be able to borrow up to 97% of your home’s value. This can reduce the amount of money needed at closing and make homeownership more accessible.

Know your budget before you shop

Getting pre-qualified helps you understand how much home you may be able to afford. It can make shopping feel more focused and less stressful. 

Ready to apply? Meet our mortgage loan specialists

Our Mortgage Loan Advisors will begin by evaluating the big picture before offering a personal solution designed to fit your lifestyle. To apply for a loan, please select one of the advisors below and they will help support you throughout the process.

Bob Church

Bob Church

Mortgage Loan Advisor

Phone: 336-774-4135

Contact Bob

Apply now
David Zufelt

David Zufelt

Mortgage Loan Advisor

Phone: 336-774-2737

Contact David

Apply now

How to get started with a Fixed-Rate Mortgage

Buying a home is one of the biggest decisions you’ll make. We’re here to make the process feel clear and manageable. 

01
Apply online

Complete your Fixed-Rate Mortgage application through our secure online portal. You can enter your information, upload documents, and save your progress.

02
Review your loan with us

A mortgage specialist will review your application and contact you. We’ll explain your loan term, estimated monthly payment, and next steps. 

03
Close on your home

When everything is ready, we’ll walk through the final details together and complete your closing. We stay beside you throughout the process so you feel informed and prepared.

Your questions, answered

A fixed-rate mortgage is a home loan where the interest rate stays the same for the entire term. Your principal and interest payment remains steady, helping homeowners plan with confidence and avoid rate changes over time. 

A fixed-rate mortgage may be a strong choice if you plan to stay in your home for many years and value predictable monthly payments. It offers stability that can make long-term budgeting simpler. 

Fixed-rate mortgages are available in 10, 15, 20, and 30-year terms. Shorter terms typically mean higher monthly payments but less total interest paid. Longer terms may lower your monthly payment, but because you’re paying over a longer period, you may pay more in interest overall.

Your principal and interest payment stays the same. However, your total monthly payment may change if property taxes or homeowners insurance premiums change, especially if they’re paid through an escrow account. 

Borrowing limits depend on your income, credit profile, property value, and loan program guidelines. In some cases, you may be able to borrow up to 97% of your home’s value, depending on qualifications. 

An escrow account is a separate account used to pay your property taxes and homeowners insurance. A portion of your monthly mortgage payment is set aside in escrow account so those bills can be paid on time. Each year, your account is reviewed to ensure the correct amount is being collected. If taxes or insurance premiums change, your total monthly payment may adjust accordingly.