Apply for a 30-Year Fixed Mortgage

Secure a steady rate and affordable monthly payments with a 30-year home loan from DSLD Mortgage. 

Take the first step toward your new home today.

What Are the Requirements of a 30-Year Fixed Mortgage?

See if you qualify for a 30-year mortgage by meeting these requirements.

620 Credit Score

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

0% to 20% Down Payment

A 30-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 the benefits of a 30-year fixed mortgage and see how it fits your budget. Visit our rates page for the latest information and find the best mortgage option for you.

Estimate Your 30-Year
Mortgage Loan Today

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

What Are the Benefits of a 30-year Mortgage?

When you apply for a 30-year fixed loan at DSLD Mortgage, our team can explain each advantage of this home loan option. 

  • Lower Monthly Payments: Enjoy lower monthly payments compared to shorter-term loans.
  • More Budget Flexibility: Allocate more of your monthly income to other financial goals and needs.
  • No Prepayment Penalties: Get the flexibility to pay off your mortgage early 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 30-year Mortgage Options

Choose from a range of 30-year fixed home loans at DSLD Mortgage.

30-Year Fixed Conventional Loan

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

30-Year Fixed FHA Loan

A 30-year fixed FHA Loan provides a path to homeownership for those with lower credit scores.

30-Year Fixed USDA Loan

A 30-year fixed USDA Loan is perfect for those looking to buy a home in specific rural and suburban areas.

30-Year Fixed VA Loan

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

30-Year Fixed Conventional Loan

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

30-Year Fixed FHA Loan

A 30-year fixed FHA Loan provides a path to homeownership for those with lower credit scores.

30-Year Fixed USDA Loan

A 30-year fixed USDA Loan is perfect for those looking to buy a home in specific rural and suburban areas.

30-Year Fixed VA Loan

30-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 30-year Mortgages

A 30-year mortgage is a home loan with a fixed interest rate that is repaid over 30 years. Compared to shorter-term loans, it offers lower monthly payments and greater budget flexibility.

The rate for a 30-year fixed mortgage varies based on market conditions and individual financial profiles. Check our current mortgage rates page for the most current information.

You can pay off a 30-year mortgage in 15 years by making extra principal payments each month or annually, refinancing to a 15-year mortgage, or increasing your monthly payment amount to reduce the principal balance faster.

Get an estimate of your monthly payments for a 30-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