Explore our rates todayView all rates

30-Year Fixed

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


Legal Disclosure & Assumption

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.

See what's possible

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

Refinance:

A few clicks can mean years of savings

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

DAILY REFINANCE MORTGAGE RATES (September 18, 2024)

Disclaimer

Buy a home:

Seamless Home Purchase Solutions

Explore personalized mortgage options tailored to your needs.

DAILY PURCHASE MORTGAGE RATES (September 18, 2024)

Disclaimer
Mortgage Solutions

Discover your true buying power with our

Learn from our experience

0.0/5

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.

ABOUT US

Careers

Loan Processors & Real Estate Agents

Terms Of Use

Email And Text Policy

Privacy Policy

FAQs

CONTACT US

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

(408) 532-1278

mortgage@pacificwide.com

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!