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.

Estimate Your 15-Year
Mortgage Loan Today

-use our Mortgage Loan Calculator to see what you can afford

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.

Your Go-To
Mortgage
Resources Hub

Estimate your loan with our mortgage calculators.

Check todays mortgage rates.

Check out our homeownership guide.

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.

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.

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Want to Talk?

We’re more than just a lender. We’re your partner in the homebuying journey.

Reach out, and let’s discuss your homebuying dreams. Our team is eager to listen and provide a tailored plan for you.

family of 4 relaxing on a couch

Want to Talk?

We’re more than just a lender. We’re your partner in the homebuying journey.

Reach out, and let’s discuss your homebuying dreams. Our team is eager to listen and provide a tailored plan for you.

family of 4 relaxing on a couch