Fixed-Rate Mortgage

Be certain. Be confident.

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For most people, a fixed-rate mortgage is a smart choice. Because the rate is locked in, your monthly principal and interest payments won’t change much (if at all) over the life of your loan – providing a steady fiscal landscape to build your budget on.

Fixed Rate Certainty

Pay the same amount of monthly principal and interest for the life of the loan

Up to 95%

Most loans available for up to 95% of the appraised value of the home you’re purchasing

Pre-Qualification

We offer credit approval to help you determine how much house you can afford

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Fixed Mortgage Rates
We are experiencing rate volatility and rates are subject to change frequently.

Program

Rate

APR*

*APR = Annual Percentage Rate. Rates are subject to change without notice. Rates last updated on 08/12/2022 at 3:30pm (EST). Mortgage rates are based upon a variety of assumptions and conditions. The credit score used in this estimate may be higher or lower than your personal credit score. A loan’s interest rate will depend upon specific characteristics of the loan and the credit history through the time of closing.

Program

30 Year Fixed (Conforming-Purchase)

Rate

5.000%

APR*

5.229%

Program

30 Year Fixed (Conforming-Cash Out Refinance)

Rate

5.500%

APR*

5.740%

Program

15 Year Fixed (Conforming-Purchase)

Rate

4.375%

APR*

4.755%

Program

15 Year Fixed (Conforming-Cash Out Refinance)

Rate

4.875%

APR*

5.267%

Program

30 Year Fixed (Jumbo)

Rate

5.625%

APR*

5.787%

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Calculators to help you choose the right mortgage for you.

What others are saying ...

Allegacy made everything so easy to send in information. They also have some of the best rates for mortgages.Everyone kept me up to date on what was needed or expected from me. They also made it easy to work out a closing date that suited our needs since we work during the day.

Karen E.
— member from Lexington, NC

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