30-Year Fixed Rate Mortgages on the Cheap!

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The Lowdown on 30 Year Fixed Rate Mortgages...

Our 30 Year Fixed Rate Is Low & Our Process Is Magical

A traditional 30 Year Fixed Rate home loan has a consistent interest rate throughout and the monthly payment will never change unless there is a cancellation of mortgage insurance. Depending on how long you plan on being in the home is a great question to discuss with a mortgage specialist and also the difference in monthly payments of a 15 and 30 year fixed rate mortgage.

We always would suggest a 30 year fixed rate mortgage unless it’s a small loan amount where you can leverage a 15 year fixed rate which would almost always give you a lower interest rate also. We can give you estimates on how to review the difference between term mortgages if you wish.

We are here to cut down the turbulence on your home loan. Our team and skills are set up to help guide you along the way, starting with our FREE FAST PREQUAL FORM.

We suggest you review at least two loan options from us. Once reviewed a new discussion can take place tweaking the down payment or getting the monthly payment to where you want it to be. We will also look at Conventional Loans verse FHA loans which is a common topic for those two estimates. As well as the length of term of mortgage insurance on these loans, for example FHA loans have mortgage insurance for the life of the loan along with a funding fee.

The 30-Year Fixed Rate Mortgage Loan Process

Here’s how our home loan process works:


  • Complete our simple 30-Year Fixed-Rate Mortgage Qualifier
  • Receive loan options based on your terms and scenario
  • Compare mortgage rates and terms of sale or refinance
  • Choose the offer that best fits your needs for your family

Do I Qualify?

Fixed rates loans are the best option when it comes to buying a home; and typically much safer than an adjustable rate mortgage. When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run.

You can lock in the rate for the life of your loan, but with an adjustable rate mortgage the rate will fluctuate potentially a great deal in the near future. An ARM can be considered risky mortgage product which contributed to part of the house downturn from 2005-2010.

  • 30 Year Fixed Rate
  • 30, 25, 20, 15, 10 Year Fixed
  • Fixed Rates
  • Adjustable Rates (ARM)
  • Conforming Loans
  • FHA Loans
  • VA Loans
  • Mortgage Insurance
  • Funding Fees
  • Jumbo & Super Jumbo Loans
  • FHA, VA, Conventional & USDA Loans
  • Terms from 10 to 30 Years

Get Your FREE 30-Year Fixed Rate Quote Now!

I Want My FREE 30-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!!!