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Fixed-Rate Mortgages

Steady payments you can count on

What is a Fixed-Rate Mortgage?

A fixed-rate mortgage means your interest rate stays the same for the entire loan term, so your monthly payments won’t change. This makes budgeting simple and gives you peace of mind.

How Does It Work?

With a fixed-rate mortgage, your payments remain consistent regardless of market changes. Most people choose a 30-year term, but shorter options from 10 to 30 years are also available to fit your plans.

Fixed-Rate vs. Adjustable-Rate Mortgages (ARM)

Fixed-rate loans offer predictability with stable payments, unlike adjustable-rate mortgages, which start with lower payments that can increase over time. If you prefer budgeting with certainty, a fixed-rate loan is the way to go.

Types of Fixed-Rate Mortgages

We offer a variety of options including:

Conventional loans
Government-backed loans like FHA, VA, and USDA
Fixed rate reverse mortgages
Loans with up to 100% financing on purchases
Refinance options that don’t extend your loan term

Who Should Choose a Fixed-Rate Mortgage?

Homebuyers who want consistent monthly payments

Those planning to stay in their home for 10 years or longer

Borrowers with good credit (though adjustable loans might offer lower initial payments if credit scores are lower)

Carrollton Mortgage — Helping You Become a Happy Homeowner

At Carrollton Mortgage, we know homeownership is about more than just getting a loan — it’s about feeling confident and secure in your future. That’s why we’re committed to helping you find the right loan for your life today, one that sets you up for stability and success tomorrow.

We get it — rising living costs and financial uncertainty can make it tough to feel truly comfortable in your home. But you don’t have to face it alone.

Since 1989, we’ve helped thousands of people just like you navigate the mortgage process and find the perfect loan to fit their needs. Our goal is simple: to guide you toward homeownership that brings stability, freedom, and peace of mind.

Stop stressing about rising costs and uncertainty. With Carrollton Mortgage, you can move forward knowing you have the right loan—and the right team—by your side.