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San Jose, CA 95121

30-Year Fixed

Stability and Predictable Payments

Enjoy steady monthly payments for 30 years with the 30-year fixed-rate mortgage, a popular home loan option. If lower payments and a fixed interest rate align with your financial goals, consider a 30-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

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30-Year Fixed Requirements

Minimum 620 Credit Score

Pacificwide Mortgage requires a minimum credit score of 620 for 30-year fixed loans.

3% Down Payment

A 30-year fixed mortgage requires a down payment of at least 3%.

2% – 6% In Closing Costs

You’ll need 2% – 6% of the total purchase price to cover closing costs.

Debt-To-Income Ratio ≤ 50%

You’ll need a debt-to-income ratio (DTI) of no more than 50%.

30-Year Fixed Benefits

Stable and predictable payments over 30 years

Providing peace of mind and allowing for accurate budgeting.

Lower monthly payments compared to shorter terms

Enhancing affordability and cash flow management.

Ideal for long-term homeownership

Catering to those planning to stay in their homes for an extended period.

Protection against future interest rate increases

Safeguarding borrowers from potential rate hikes and ensuring stability.

30-Year Fixed Loan Options

Conventional 30-Year Fixed

The conventional 30-year fixed mortgage provides the reassurance of a stable, reduced monthly mortgage payment.

FHA 30-Year Fixed

The FHA 30-year fixed mortgage presents the relief of a locked-in, lower monthly mortgage payment, ideal for first-time homeowners.

VA 30-Year Fixed

The VA 30-year fixed mortgage offers the tranquility that comes with a secured, lower monthly mortgage payment, beneficial for our veterans and service members.

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LOAN OPTIONS

30-Year Fixed

25-Year-Fixed

15-Year-Fixed

Adjustable Rate Mortgage

Conventional

VA Loans

USDA Loans

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

San Jose, California, 95121

(408) 532-1278

mortgage@pacificwide.com

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