15-Year Fixed Rate Mortgages on the Cheap!

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The Lowdown on 15-Year Fixed Rate Mortgages...

15-Year Fixed Rate

Our 15-Year Fixed Rate is Low & Our Process is Speedy & Simple

15-Year Fixed Rate loan is fully paid off in a 15-year period and offers steady, consistent monthly payments. It offers all the positive attributes of the 30-year loan, but has a lower interest rate and you’ll own your home in double time. The disadvantage is that you commit to a higher monthly payment which may be more difficult to qualify for or tougher to pay and commit to. Many buyers will choose a 30-year fixed-rate and make large payments that will pay off their loan in less time like 15-20 years instead of accepting the required larger monthly payment to do so. This tactic is safer than a higher monthly payment, since the difference in interest rates isn’t usually that vast but can be worth reviewing a 15 vs 30.  There are also 20 and 25 year fixed rate mortgage that can be evaluated as well.

Typically we will see a 15 Year Fixed Rate be used when…

  1. For the rate conscious borrower with high income and can handle the payments.
  2. A small loan amount where even the monthly on a 15 year will still be low.
  3. An investment property or investor style buyer looking to pay the home off quickly.
  4. A refinance with a large pay down which would maintain the same monthly payment.

We’re here to make the home loan process easy, with our tools and expertise we will help you along the way, starting with our FREE 15-Year Fixed Rate Mortgage Qualifier

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you – whether you’re a first-time home buyer or a seasoned investor.

The 15-Year Fixed Rate Mortgage Loan Process

Here’s how our home loan process works:

  • Complete our simple 15-Year Fixed Rate Mortgage Qualifier
  • Receive two loan options based on your scenario
  • Compare mortgage interest rates and terms of the loan
  • Choose the estimate and terms that best fit your needs

Do I Qualify?

As a rule of thumb, qualifying for a 15 Year Fixed Rate over a 30 year is typically more difficult.  A 15-Year Fixed rate will usually be used for a refinance, aggressive owners seeking quick pay down or pay off of the mortgage, second homes or investment properties. Due to the increase in payment it will obviously affect debt to income ratios along with DU approvals so they must be managed carefully.

  • 15-Year Fixed Rate
  • Fixed Rates
  • Adjustable Rates (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA, & USDA Loans
  • Terms from 10 to 30 Years
  • Lower Interest Rates

I Want My FREE 15-Year Fixed Rate Quote!

I Want My FREE 15-Year Fixed Rate Quote!

What Our Clients Are Saying

Han Fan
Han Fan

01:46 21 Mar 19

Me and my wife apply for mortgage back in August 2018.. the process is really smooth. very knowledgeable and willing to explain. Fast response time. I would give more than 5 star if I could.

Keith U
Keith U

16:03 14 Mar 19

Hands down the best mortgage broker in Jacksonville. Using Carbon Capital we were able to prequalify and place a bid on our first home in a matter of hours. Andrew went out of his way to explain everything and make sure we understood the mortgage process in simple terms. Casey and Kelly were able to answer all of our questions. They even answered our emails during the weekend and outside office hours. That is great customer service!

Rebecca Richey
Rebecca Richey

15:14 09 Jan 19

We have had an amazing experience working with Andrew, Casey and Kelly with Carbon Capital. They have been on top of everything to ensure we have had a very smooth closing. We are so pleased with their response time and professionalism throughout this entire process. Great job!! Thanks!!

Nicole Coburn
Nicole Coburn

11:07 16 Nov 18

Andrew/Kelly/Ross all gave exceptional performances during our home buying process. I highly recommend Carbon Capital if you are in the market. They made buying our home a breeze. The processes that they have in place are seamless and easy to use and give full details of everything that you may have a question about. Always promptly returned phone calls and took real patience and care which is outstanding with my anxiety through the whole thing. Thanks for everything you do. Client for life.

Susan Brennan
Susan Brennan

07:37 11 Oct 18

If you're in the market to purchase a home, I highly recommend Carbon Capital. We received professional and timely answers to our many questions and scenarios. Kelly is just the epitome of patience and very knowledgeable with regard to all types of mortgages. Being somewhat of a "commitment-phobe," the idea of a 30-year mortgage really drove my anxiety during the home buying process. It was reassuring to know that any questions or concerns would be quickly addressed by Kelly or Andrew with either a phone call, e-mail, or text. The personal service we received was second to none. In the end, I believe we got the best available rate and terms and found the entire process quite seamless thanks to Carbon Capital.

Stephen Sapp
Stephen Sapp

12:36 04 Oct 18

I've bought, sold, and refinanced houses over the years a number of times. I've never had the mortgage process go smoother than it had with Carbon Capital. Andrew and Kelly are fantastic! They explain everything in plain english. They're extremely responsive to questions via email or telephone. When I buy, sell, or refinance in the future, I won't have to do any shopping around; I will just make a call to Carbon Capital. Thanks Andrew and Kelly!!!