Explore our rates todayView all rates

25-Year Fixed

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.

Today's Mortgage Rates

Legal Disclosure & Assumption

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.

See what's possible

Use our calculators to see what homeownership could look like for you.


A few clicks can mean years of savings

Refine your mortgage now to save money and enjoy future financial benefits.



Buy a home:

Seamless Home Purchase Solutions

Explore personalized mortgage options tailored to your needs.


Mortgage Solutions

Discover your true buying power with our

Learn from our experience


Most of customers who sell and buy with Pacificwide recommend us.

(0 reviews)

See our reviews on Google

Gain a better understanding of your mortgage payments

Get expert tips straight to your inbox

Discover ways to increase your home's value and stay on top of local trends.

Pacificwide Real Estate

We connect you with the most up-to-date real estate tools for your home search and save more with us.

Pacificwide mortgage

We provide 24/7 customer support and secure platform for 100% online mortgage application.

Pacificwide property management

Get free repair estimates and rest easy with our property management team.



Loan Processors & Real Estate Agents

Terms Of Use

Email And Text Policy

Privacy Policy



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

San Jose, California, 95121

(408) 532-1278


Pacificwide is a Bay Area real estate & mortgage company that serves all your homeownership needs, NMLS Unique Identifier #272883. ©2023 Pacificwide Real Estate & Mortgage. All Rights Reserved.

Do you have any questions? We are here to help!