Apply for a 15-Year Fixed Mortgage

Lock in a low fixed interest rate and save! Our 15-year mortgage helps you pay down your home faster and save on interest.

Start your journey to your dream home now.

What Are the Requirements of a 15-Year Fixed Mortgage?

Pre-qualify for a 15-year mortgage with DSLD Mortgage by meeting these standards.

620 Credit Score

We require a qualifying FICO® Score of at least 620.

0% to 20% Down Payment

A 15-year mortgage requires a minimum 0%–20% down payment.

3% to 6% Closing Costs

You’ll need to prepare 3%-6% of the purchase price for your closing costs.

50% Debt-to-Income (DTI) Ratio

Your debt-to-income ratio should not exceed 50% for most loan programs.

Discover how much you can save on interest with a 15-year fixed mortgage. Visit our rates page for the latest updates and find the perfect mortgage option.

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What Are the Benefits of a 15-year Mortgage?

When you apply for a 15-year mortgage at DSLD Mortgage, our team can explain each advantage of this home loan option.

Lower Fixed Interest Rate: Save on interest over the life of your loan.
Faster Payoff: Achieve financial freedom sooner.
No Prepayment Penalties: Pay off your mortgage anytime without extra fees.
Stable Rates: Lock your interest rate for the life of the loan.
Low Down Payment: Buy a home with as little as 0% to 20% down.

Check Our Current Mortgage Rates

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Our 15-year Mortgage Options

Choose from a range of 15-year fixed home loans at DSLD Mortgage.

15-Year Fixed Conventional Loan

Conventional Loans have fewer requirements and faster approvals, with down payments as low as 3%.

15-Year Fixed FHA Loan

A 15-year fixed FHA Loan provides a path to homeownership for those with lower credit scores.

15-Year Fixed USDA Loan

A 15-year fixed USDA Loan is perfect for those looking to buy a home in specific rural and suburban areas.

15-Year Fixed VA Loan

15-year fixed VA Loans are exclusive to veterans and their spouses, offering a fast path to homeownership.

15-Year Fixed Conventional Loan

Conventional Loans have fewer requirements and faster approvals, with down payments as low as 3%.

15-Year Fixed FHA Loan

A 15-year fixed FHA Loan provides a path to homeownership for those with lower credit scores.

15-Year Fixed USDA Loan

A 15-year fixed USDA Loan is perfect for those looking to buy a home in specific rural and suburban areas.

15-Year Fixed VA Loan

15-year fixed VA Loans are exclusive to veterans and their spouses, offering a fast path to homeownership.

Read What Homebuyers Have Said about DSLD

See first-hand how we’ve helped make homeownership dreams come true for people just like you.

Benjamin In Lake Haven

“Buying a home can feel overwhelming, but my experience was the complete opposite: painless, professional, and surprisingly stress-free from start to finish. Valeria was truly outstanding. She was courteous, kind, attentive, and always made sure I understood every step without ever making it feel complicated. She kept me informed the entire way and explained everything clearly and professionally. The whole team was respectful and genuine, and closing was straightforward and easy, with no surprises at all. I felt supported and cared for throughout the process.”

Letora In Lake Haven

“From the start of the process with Valeria, it was amazing and simple. She and Kevin with DSLD went above and beyond their duties to answer every call and text. Their dedication to their careers is unmatched. I would recommend them hands down, no questions asked. Thank you so much!”

Alisa In Fairview Gardens

“Valeria was amazing! She made things very easy, kept on top of our paperwork in a reasonable timeframe, and was able to explain everything under our mortgage agreement so we really understood what we were signing. She was also able to offer us a great interest rate that really helped us buy our house! She is very personable and great at what she does! If my husband and I ever end up buying another DSLD house, I would love working with her again!“

William In Tantela Lakes

“Using both DSLD Mortgage and DSLD Title turned out to be a wise decision. They made the entire financing and home purchase process go smoothly. I am especially grateful to our DSLD loan originator, Nathan Waller, who provided guidance and advice every step of the way. Always available to answer questions and explain the process and procedures, he responded quickly to every inquiry I had. His courteous professionalism and extensive knowledge make him a valuable asset to both DSLD and his clients. Thank you!”

Timothy In Hunter's Ridge

“DeNeice has been the most helpful and amazing person in this homebuying process.”

Jan In Deer Crossing

“When I knew I was selling my 10-year-old DSLD home, I knew I had to start the process of finding a new home with none other than DSLD Mortgage because, for the last 10 years, I have been happy and so pleased with my home and the process that DSLD Mortgage has. I was downsizing and found the perfect home. I quickly found out that Morgan, who was my first loan originator, was still at DSLD Mortgage. She not only remembered me but came and spoke to me and offered any and all help to Nathan, who was literally the best, and he got the job done. He was on top of everything the entire time, and it was a pleasure working with him.”

FAQs about 15-year Mortgages

A 15-year fixed mortgage is a home loan with a set interest rate that remains constant throughout the 15-year repayment period. It allows you to pay off your mortgage faster than traditional longer-term loans.

The rate of a 15-year fixed mortgage varies based on market conditions and individual financial profiles. Check our current mortgage rates page for the most current information.

The choice between a 15-year and 30-year mortgage depends on your financial goals. A 15-year mortgage has higher monthly payments but saves on interest. On the other hand, a 30-year mortgage offers lower payments but costs more in interest over time.

A 15-year mortgage is generally cheaper in terms of total interest paid over the loan’s life. However, monthly payments will be higher compared to a 30-year mortgage. You can estimate your monthly payments for a 15-year fixed loan using our mortgage calculator.