Apply for a 15-Year Fixed Mortgage

Unlock savings with a fixed, lower interest rate! Our 15-year mortgage is designed to help you save on interest and pay off your home loan faster.

Take the first step toward owning your dream home today.

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

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

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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Mortgage Loan Today

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

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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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Mortgage Calculator

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Explore Mortgage Rates

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Homeownership Loan Guide

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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.

Mariela in Denham Springs

“I highly recommend Valeria Duque, who was our lender throughout the entire home buying process. My husband and I are very grateful for her help. She explained the entire process in detail, was very attentive to our questions, and was always willing to help. We are very happy she was our lender! It was a wonderful experience.”

Jasmine in Westview Crossing

“I cannot say enough good things about working with Kelli and Meghan. They were truly a dream team throughout my lending process. From the beginning, Kelli led with warmth, clarity, and a calm confidence that immediately put me at ease. She stayed ahead of every detail, making the process feel smooth, seamless, and stress-free. If you’re looking for lenders who are not only excellent at what they do, but also a pleasure to work with, Kelli and Meghan are the ones! I’m beyond grateful.”

Karington in Middlebrook Place

“I’m so glad we went with DSLD Mortgage. The team was very helpful and super easy to work with. We are so grateful for the support we received from each and everyone at DSLD.”

Noah in Middlebrook Place

“Valeria was very helpful. As this is our first home, she was able to make the experience worry free. If we ever had any question, no matter what time, she was able to answer them. Overall it was a great experience working with DSLD Mortgage.”

Tracy in Monroe

“DSLD is a great mortgage company. They give immediate responses to questions and keep you up to date with information needed to make the loan process smooth.“

Darien In Scott

“For being first time buyers, DSLD Mortgage was a good choice for us. Dana Scharwath, Kelly, and Erica were all very helpful with any questions we had and explained the entire process thoroughly. I couldn’t of asked for a better team to help us. Thank yall!”

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.