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15,000+ total loans closed
2,000+ veterans helped
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Apply for a 30-Year Fixed Mortgage

Lock in a fixed rate and lower monthly payments over the life of your home loan with a 30-year home loan at DSLD Mortgage. 

Take the first step toward owning your dream home today.

Request a Free Loan Consultation

Check if you qualify for a mortgage by requesting a callback from one of our Loan Officers.

Name(Required)
This field is for validation purposes and should be left unchanged.

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

Pre-qualify for a 30-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 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.

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.

30-Year Mortgage Rates

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.

Check Our Current Mortgage Rates

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.

Request a Free Loan Consultation

Check if you qualify for a mortgage by requesting a callback from one of our Loan Officers.

Name(Required)
This field is for validation purposes and should be left unchanged.

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.

Take the Next Step to Your DSLD Mortgage

As a trusted home mortgage lender, we go to great lengths to make financing as simple, convenient, and easy to understand as possible. Here’s what to expect as we move forward with your home financing journey.

01

Request A Free
Loan Consultation

Connect with one of our Loan Officers to discuss your homebuying goals. We will typically pre-qualify you for a mortgage within 24 hours.

Request a Free Loan Consultation

Check if you qualify for a mortgage by requesting a callback from one of our Loan Officers.

Name(Required)
This field is for validation purposes and should be left unchanged.

01

Request A Free
Loan Consultation

Connect with one of our Loan Officers to discuss your homebuying goals. We will typically pre-qualify you for a mortgage within 24 hours.

Request a Free Loan Consultation

Check if you qualify for a mortgage by requesting a callback from one of our Loan Officers.

Name(Required)
This field is for validation purposes and should be left unchanged.

02

Download the
App

Complete your mortgage application and upload the necessary documents via our secure app. Download the DSLD app now.

02

Download the
App

Complete your mortgage application and upload the necessary documents via our secure app. Download the DSLD app now.

03

Submit Your
Application

We’ll review your application and let you know if you qualify for a mortgage. Once you’ve sent us your paperwork, we can normally do this within a week.

03

Submit Your
Application

We’ll review your application and let you know if you qualify for a mortgage. Once you’ve sent us your paperwork, we can normally do this within a week.

04

Close on Your
New Home

We’ll be there through closing to ensure the process is straightforward and stress-free.

04

Close on Your
New Home

We’ll be there through closing to ensure the process is straightforward and stress-free.

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.

Secure Today’s Mortgage Rates

Homeownership begins with securing the best mortgage rate. At DSLD Mortgage, we’ll guide you every step of the way, offering personalized financing options tailored to your unique needs and goals.

Request a Free Loan Consultation

Check if you qualify for a mortgage by requesting a callback from one of our Loan Officers.

Name(Required)
This field is for validation purposes and should be left unchanged.

Request a Free Loan Consultation

Check if you qualify for a mortgage by requesting a callback from one of our Loan Officers.

Name(Required)
This field is for validation purposes and should be left unchanged.

family of 4 relaxing on a couch

Begin Your Journey to Home ownership

Your journey to homeownership can start right here. We’ll walk with you every step of the way to your next home, customizing financing options for your needs.

Request a Free Loan Consultation

Check if you qualify for a mortgage by requesting a callback from one of our Loan Officers.

Name(Required)
This field is for validation purposes and should be left unchanged.

Request a Free Loan Consultation

Check if you qualify for a mortgage by requesting a callback from one of our Loan Officers.

Name(Required)
This field is for validation purposes and should be left unchanged.

family of 4 relaxing on a couch