Lock In Stability with a Fixed-Rate Mortgage
If you plan to stay in your home for the long term, a consistent payment that never changes can help you prepare for your financial future.
Conventional Rates are still Very Low!
Whether you plan to stay in your home for the short term or long term, sleep tight knowing you will have several options to choose a loan with the stability and fixed rate period that meets your goals. Plan your budget and compare both Sacramento fixed rate and adjustable rate mortgages at a low rate and see what options will work best!
How it Works
- Sacramento Fixed rate mortgages:
- Monthly payments based on interest rate, principal loan amount, and amortized interest over a term from 10-30 years
- Your payment will not change throughout the life of the loan
- Your actual payment will vary based on your situation and the current interest rates when you apply
- Pay your mortgage off at any time without pre-payment penalties
- Sacramento Adjustable rate mortgages (ARM)
- Monthly payments based on interest rate, principal loan amount, and amortized interest over a term from 30 years
- Your interest rate and payment can be fixed for the first 3, 5, 7, or 10 years of the loan
- ARM’s typically have lower rates than fixed rate mortgages
- Your payment will not change throughout the initial fixed period of the loan
- Your actual payment will vary based on your situation and the current interest rates when you apply
- Pay your mortgage off at any time without pre-payment penalties
Program highlights
- Credit scores as low as 620 may qualify
- Refinance up to 97% of your primary home’s value
- Buy a home with as little as 3% down (primary residence)
- Loan amounts up to $726,525 (for single family residences)
- Derogatory credit waiting times:
- Foreclosure: 7 years
- Short sale/ Deed in lieu: 4 years
- Chapter 7 Bankruptcy: 4 years
- Chapter 13 Bankruptcy: 2 years
Got questions? Give us a call! One of our mortgage specialists would be happy to answer all of your questions and get you started with a great low rate today!
Working with Green Haven Capital Inc.
- We put YOU first.
- Green Haven Capital Inc. offers some of the most competitive rates and lowest fees in the Nation!
- Fast and efficient, we can close in 15 days or less.
- We offer a variety of loans. Green Haven Capital Inc. will find you the loan that is right for you!!!
Surf our website to learn about our company, see our loan programs, and request a free consultation.
Get started today!
Fill out the questionnaire on this page to start a discussion about your mortgage needs today!
Frequently Asked Questions
What is a fixed-rate mortgage?
A fixed-rate mortgage keeps the same interest rate for the entire term, so principal-and-interest payments remain predictable.
Which terms are common?
15-, 20-, and 30-year terms are common; shorter terms often have higher payments but pay off faster.
How is this different from an ARM?
Unlike an ARM, a fixed rate does not adjust over time, which may suit buyers who value payment stability.
Who may consider a fixed rate?
Homebuyers who plan to stay for several years and want predictable payments may consider fixed-rate financing.
Can I refinance later?
Refinancing may be available in the future if aligning your loan with new goals makes sense.
