Loan options

30-Year Fixed Mortgage

Not every loan fits every situation. Here’s how I match you to the one that fits yours.

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What is it?

A 30-year fixed mortgage keeps the same interest rate for the whole loan, so your principal and interest payment stays the same from the first month to the last. Spreading the loan over 30 years keeps the monthly payment lower than a shorter term would.

Quick facts

Rate and payment locked for the full 30 years
Most predictable, most common
Term: 30 years

Who it fits

  • Buyers who want a predictable monthly payment
  • First-time buyers who want room in the monthly budget
  • Anyone planning to stay in the home for a long time
  • Buyers who like the option to pay extra toward principal

Good to know

Lower monthly payments usually mean more total interest over the life of the loan than a shorter term. Your payment also includes property taxes and homeowners insurance, which can change over time, so the full monthly cost is worth reviewing before you commit.

The process

  1. Step 1

    We confirm this timeline is right for you vs. an ARM

  2. Step 2

    I pull your options and run an ARM comparison side by side

  3. Step 3

    You see the real numbers before committing

Qualifying note

Fixed and ARM loans are evaluated on similar core factors. The real question is timeline, not which one’s “harder.”

Common questions

Can I pay off a 30-year loan early?

Many borrowers make extra payments to shorten the term. I’ll help you confirm how that works for your loan.

Is a fixed rate better than an adjustable rate?

It depends on how long you plan to stay and how comfortable you are with change. We can compare both side by side.

Does the rate stay the same if I refinance later?

A refinance replaces your loan with a new one, so the rate and terms would be based on the market and your situation at that time.

I help buyers across Largo, Clearwater, St. Petersburg and Tampa compare fixed-rate options. See where I work.

Other options

Today’s national averages

A weekly look at where average mortgage rates are across the country, so you have context before we talk about yours.

Current averages are temporarily unavailable. You can see the latest at freddiemac.com/pmms.

30-year fixed

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National average

15-year fixed

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National average

These are national weekly averages for borrowers with strong credit, reported by Freddie Mac’s Primary Mortgage Market Survey and provided by the Federal Reserve Bank of St. Louis (FRED). They are not offers, rate quotes, or Match Point Mortgage FL rates. Your actual rate depends on your credit, down payment, loan program, and property.

Get your personalized rate

Try the mortgage calculatorNo commitment, no info required. Refinancing? Try the refinance calculator.

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This is general information, not a commitment to lend or a rate quote. Programs, limits, and eligibility vary by borrower and property and can change. Equal Housing Opportunity. Jermin Munoz, Mortgage Loan Originator, NMLS# 2689451.