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San Jose, CA 95121

25-Year Fixed

Equity Growth with Shorter Term

The 25-year fixed-rate mortgage is a sought-after home loan option for good reason. If you're seeking slightly quicker equity building and the stability of a fixed interest rate, all while maintaining reasonably low monthly payments, then it's worth exploring the 25-year fixed mortgage.

Empowering you to buy the home you deserve

It only takes 3-minutes to explore your options, and it won’t affect your credit score — no commitment required.

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25-Year Fixed Requirements

Minimum 630 Credit Score

Most lenders require a minimum credit score of 630 for 25-year fixed loans.

5% Down Payment

A 25-year fixed mortgage typically requires a down payment of at least 5%.

2% – 5% In Closing Costs

You’ll need 2% – 5% of the total purchase price to cover closing costs.

Debt-To-Income Ratio ≤ 43%

You’ll need a debt-to-income ratio (DTI) of no more than 43%.

25-Year Fixed Benefits

Faster equity buildup

Enabling borrowers to accumulate home equity at a quicker pace.

Lower interest rates compared to longer terms

Resulting in potential interest savings over the life of the loan.

Quicker homeownership

Allowing borrowers to own their homes outright in a shorter period.

Balance between affordability and faster payoff

Striking a favorable balance between manageable payments and accelerated ownership.

25-Year Fixed Loan Options

Conventional 25-Year Fixed

The conventional 25-year fixed mortgage provides the calmness of a guaranteed, relatively lower monthly payment over its span.

FHA 25-Year Fixed

he FHA 25-year fixed mortgage provides the confidence of a steady, relatively lower monthly mortgage payment over its duration, favorable for entry-level buyers.

VA 25-Year Fixed

The VA 25-year fixed mortgage provides the serenity of a consistent, comparatively lower monthly payment over a quarter of a century, aiding those who've served.

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LOAN OPTIONS

30-Year Fixed

25-Year-Fixed

15-Year-Fixed

Adjustable Rate Mortgage

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3005 Silver Creek Rd STE 210-214, San Jose, CA 95121

San Jose, California, 95121

(408) 532-1278

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