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.

Explore Our Rates

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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 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.

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Mortgage Calculator

Estimate your loan with our mortgage calculators.

Explore Mortgage Rates

Check todays mortgage rates.

Homeownership Loan Guide

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.

Tanya in Westview Crossing

“My experience with DSLD was seamless from start to finish. Kwan, Chelsea, and DeNiece were on top of everything throughout the entire process. Balancing work and everyday life can be overwhelming, but they made sure every task was completed on time. They regularly called to check in, kept me informed, and took the time to ensure everything was handled properly. DeNiece even found ways to save me money on my mortgage payment, which I truly appreciated. I never imagined buying a home could be such an easy and stress-free experience. I highly recommend DSLD Mortgage and their amazing team to anyone looking to purchase a home.”

Ingrid In Parkview

“From start to finish it was a smooth process. I was always able to get answers to any question that I had. I will definitely recommend DSLD Mortgage to family and friends.“

Sally In Orleans Run

“We had such an easy home buying experience! Of course, we had questions, and living out of state figured we’d have trouble getting answers, but the whole team including: Whitney, Teri, Ashley, Brooke, and Tracy were very helpful and prompt with answers.“

Keyira In Denham Springs

“My experience with DSLD Mortgage was perfect. Even when we had a small hiccup, Ian was on it and made sure we were still on time for closing.”

Demisha In Cypress Garden

“Working with Valeria as our Mortgage Originator has been nothing but amazing. When we started the home-buying process, we had little experience and were unsure of what to expect. Valeria was patient, informative, and always took the time to explain everything clearly. Even when we felt discouraged, she remained confident, reassuring, and supportive. She never treated us like just another client; she made us feel comfortable and cared for throughout the entire process. We are truly grateful for all she did to help make our dream come true.”

Jesse in Westview Crossing

“Our experience with DSLD Mortgage was so smooth and easy. They made the purchasing and move in process an ease for a first time homebuyer!”

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.