30-Year Fixed Mortgage

Get a fixed interest rate and lower monthly payments.

Take the first step toward buying a house.

30 Year Fixed Mortgage Rates

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Rates shown reflect current products available with Rocket Mortgage, a provider on our network.

More About The 30-Year Fixed

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Who Are 30-Year Fixed Loans Best For?

If you want to make lower monthly payments and plan to stay in your home for a long time, a 30-year fixed could be the ideal option for you.
The 30-year fixed is also great for people who want the option to pay more than the required amount at any time – and the predictability of a fixed interest rate.

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How Do 30-Year Fixed Loans Work?

With a 30-year fixed rate loan, you'll make the same monthly payment over 30 years.
Want to pay the loan off more quickly to save on interest? You can make additional payments against your principal balance at any time without penalty.

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How Do I Qualify For A 30-Year Fixed?

30-Year Fixed Loan Benefits

mortgage insurance requirements

Mortgage Insurance Requirements

You’ll have to pay primary mortgage insurance (PMI) with your 30-year fixed rate loan if your down payment is less than 20%.

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Visit our Learning Center, where we break down the mortgage process so it’s easier to understand.

Calculate What You Can Afford

Get an estimate on how much home you can afford, the down payment you’ll need and what your monthly payment could be.

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LMB Mortgage Services, Inc., (dba Quicken Loans), is not acting as a lender or broker. The information provided by you to Quicken Loans is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. If you are contacted by a lender or broker advertising within our network, your quoted rate may be higher depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, and/or other factors. Quicken Loans does not offer its matching services in all states. This loan may not be available for all credit types, and not all service providers in the Quicken Loans network offer this or other products with interest-only options. The information that we provide is from companies which Quicken Loans and its partners may receive compensation. This compensation may influence the selection, appearance, and order of appearance on this site. The information provided by Quicken Loans does not include all financial services companies or all of their available product and service offerings. Article content appears via license from original author or content owner, including Rocket Mortgage.

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