Bottom Line Up Front
Your rate and principal/interest payment never change. The most straightforward and popular mortgage product, offering budgeting certainty and protection from rising rates.
Overview
Your rate and principal/interest payment never change. The most straightforward and popular mortgage product, offering budgeting certainty and protection from rising rates.
Who Qualifies?
Standard conventional: 620+ credit, DTI <45%, 3-5% down.
Key Benefits
- ✓Predictable payments
- ✓Rate increase protection
- ✓Simple
- ✓Multiple terms
- ✓Consistent equity building
✅ Pros
- Payment stability
- Rate lock
- Easy budgeting
- Universal availability
⚠️ Considerations
- Higher initial rate than ARM
- No falling-rate benefit without refi
California-Specific Information
The 30-year fixed is the default for most CA buyers. 15-year offers faster equity building at lower rates.
Rates & Pricing
30-year is the benchmark. 15-year typically 0.50-0.75% lower.
Why Choose Save Financial for Fixed-Rate Mortgages?
Save Financial is a trusted California mortgage broker (NMLS #377740) with 45 years of combined experience and relationships with 20+ wholesale lenders. We specialize in finding the best fixed-rate mortgages rates and terms for California borrowers. Our $500 price guarantee means if we can't beat another lender's offer, you get $500. We serve 60+ California cities from our offices in Newport Beach and Marina del Rey, and our team speaks English and Spanish.
Call (888) 703-1840 or get a free quote online — open 7 days a week, 9AM–8PM.
$500 Cash Loan Price Match Guarantee
Get a written offer from any lender. If Save Financial cannot beat it for the same product, we pay you $500 cash.
NMLS #377740 · DRE #01875766 · Call (888) 703-1840
Reviewed By
Mike Baasti, Licensed Mortgage Broker
Founder of Save Financial, Inc. (NMLS #377740) in Newport Beach, CA. 20+ years in residential and investment lending across conventional, FHA, VA, jumbo, hard money, bank statement, and specialty mortgage programs.