Fixed rate loans come in various types, and are generally the most popular loans for those looking to buy or refinance their homes. This is due to the security they provide, ensuring consistent monthly payments, without worry or hassle about changing interest rates. If you are planning to own your home for several years or more, a fixed rate loan may be your best option. The most popular loan program is the 30 Year Fixed Rate, but 20 year, 15 year, and 10 year fixed rate loans are also popular.
Today’s Fixed Rates
30 Year Fixed
20 Year Fixed
15 Year Fixed
10 Year Fixed
Why get a fixed rate loan?
Get the security of an interest rate and payment that won’t change.
Make budgeting easier.
Put as little down as 5%.
Federally insured FHA Fixed Rate loan programs are also available (starting at 3% down!)
The higher the years for a fixed rate loan, the lower the monthly payment. Alternatively, the lower the number of years for a fixed rate loan, the greater the interest savings over the life of the loan.
Talk to a Loan Consultant
Our Customer Service
Representatives are available
24 hours a day, 7 days a week.
Toll-Free : (877) 787-7463
Direct Office : (714) 263-1600
Talking to a licensed mortgage professional is an important step to getting the right mortgage loan. Everybody has different loan needs and a mortgage professional knows which questions to ask in order to best match you with the right loan and monthly payment. Since we have a strict No Steering policy, you can be assured that the loan option suggested to you will fit your needs.
The mortgage professional will also explain all the steps-from getting started, to locking in your low rate, to closing your loan fast, in little as 30 days. Because we work with direct lenders, if you have any questions during the loan process, you will have one direct number enabling you to get quick answers straight from the source.
This is the second time I've used Zack at PCF.The first time, was a refinance and he went above and beyond the call of duty to get things straightened out from a mess created by Wells Fargo.Zack and the team spent many hours on the phone with Wells Fargo which would have been a nightmare for me to have tackled.
The second time, we're buying a house, and he's been there, working as hard as ever.I highly recommend him and the team.
Tommy W.Apopka, FL
I just purchased my home last year with a VA rate of 4.0%, I contacted Prime Choice and Zack. All through the process he kept me informed and updated on the process. Never was he pushy, but provided me with some great rates and cash-out. The process was smooth and very user friendly. I would recommend this team over my current banker any day. They get results, and mind you GREAT results.
Joji S.Antioch, CA
We just had our streamlined refinancing through Prime Choice Funding and I must say that the whole process was smooth. At first we were hesitant to proceed with the refinancing because the flyer we received in the mail seemed to be too good to be true. Indeed there were no income verification and no invasive personal information required. When I called I was told that it normally takes less than 4 weeks but I did not anticipate that it would close within the 3 week period which happened while we were out of town and the team of Jonathan Nguyen & David Arnold were very professional and accommodating that they were able to work with a Notary to have the signing of loan docs. at our hotel. We just received our refund from our previous lender and it turned out to be more than we expected. I would highly recommend the Prime Choice Lending to anyone who are in refinancing need.
Dan A. Temecula, CA
Great experience with no hassle. I was hesitant and nervous but my agent answered all my questions and explained them to me in simple terms. I got the lower rate and we are saving $$$$. What are you waiting for? Make the move to start saving!!!
Jeffrey B. Petaluma, CA
I contacted Prime Choice Funding after receiving a postcard that I thought was too good to be true. When I contacted them I was assured that they could deliver what they were advertising. I went through the process while keeping a quote from my previous bank in my back pocket as a backup plan.
I have had more than my share of bad experiences with banks in the past so I was very skeptical and was sure something would go wrong....and although the loan did take a few days longer than expected the communications from my Loan Officer, Chris and his Processor, Stephen kept me from pulling all of my hair out. In the end the loan closed before the deadline, and it was better than promised.
I will be back for another refi soon!
Jon J. Philadelphia, PA
I received one of those bulk mailers that all of the lending agencies seem to send out en mass. After sorting through them and making a few phone calls, Prime Choice was clearly the best deal in terms of interest rates and brokerage fees.
I dealt primarily with Courtney Edwards, who was a pleasure to talk to and was able to dumb down to my level some of the more complicated aspects of refinancing my mortgage. I ended up learning a bunch of stuff I probably should have known about the first time through, but was overwhelmed by. Long story short, I refinanced through Prime Choice and couldn't be happier. The closing process was straightforward and easy. Thanks guys!
John F. Vista, CA
I highly recommend Prime Choice Funding! I received a mailer from Prime Choice Funding a couple years ago and when I decided it was time to re finance my home due to low interest rates I contacted several lenders including Prime Choice Funding and got quotes from all of them. They all (except for Prime Choice Funding) had different fees and rates and were very pushy and didn't want to give me the best rate they could and it was very confusing to me until I contacted Craig Somodi at Prime Choice Funding. Craig was very professional and explained everything to me very carefully so I understood the process completely from start to finish and whenever I had a question Craig and the other staff at Prime Choice Funding got back to me right away. The whole process was really quick and easy and without making me produce a huge amount of documentation for the loan and was very hassle free with no surprises or hidden fees. It was a very pleasant experience and Craig Somodi was very honest, patient, upfront and helpful through the entire process. Again, I highly recommend Prime Choice Funding and I would definitely use them again in the future.
Jacquelin F.Santa Rosa, CA
Prime Choice Funding made my streamline refinance very easy. I work long hours and was at times not easy to get a hold of and they were very understanding and professional all steps of the way. Kris Larsen was my agent and he was very personable always available. I would use this company again for my mortgage needs.
Ayhan I.Turlock, CA
I worked with Prime Choice Funding twice in a short time and these people are very good with what they are doing. They are very helpful and they got a lot of patience for their customers since I know I am very picky and ask a lot of questions. I also got the best deal possible both of the time.
Nicole R.Chino, CA
We just purchased our first NEW home and we chose to go with an outside lender which ended up being Prime Choice funding. We had a great experience and got a low 30 year fixed rate. They were very helpful and timely in most matters and were in contact with us often. We would definitely use them again and recommend them to our friends and family.