Rates as low as
3.553% APR*

Fixed-Rate Mortgages

Know exactly what your mortgage payment will be for the life of the loan


Lock in your rate and term. With a fixed-rate mortgage, your rate stays the same for the life of a loan, so your principal and interest payments never change. Enjoy peace of mind knowing that your payments will stay consistent, no matter what interest rates are doing. Conforming fixed-rate mortgages can be used for primary residences, vacation homes, and investment properties with up to four units.

A fixed-rate mortgage is a good choice if you plan to stay in your home for at least five to seven years, expect steady income, and want the security of knowing your payment won’t change.

If you need a larger fixed-rate mortgage, up to $4 million, check out our Jumbo Loans.

Call 877.404.3728 to speak with a Mortgage Loan Consultant and they’ll guide you to the right loan option.



Get started with a fixed-rate mortgage    Apply Now

*APR = Annual Percentage Rate.

30-year fixed-rate loan payment example: 3.000% interest rate with 0.375 points, 3.031% APR, loan amount of $350,000 = payments for months 1-359 would be $1,475.61 with one final payment of $1,477.89. Example based on an owner-occupied, single-family residence purchase, in California. Additional terms at this rate based on a 60% Loan-to-Value ratio and 740 representative credit score. Loans subject to borrower and property qualifications. Refinance pricing is subject to an adjustment based on transaction characteristics. All refinance applications will have an additional .50 fee in conjunction with FPCU’s standard Refinance Pricing adjustments. Not all applicants will be approved. Rate quoted as of 09.17.2020, and are subject to change daily, at any time, and without notice.