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.

       
 
  4.8    716 reviews

       
 
  4.8    716 reviews

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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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.

Dona In Fairhaven

“Our homebuying process was extremely smooth, thank God! We’d heard so many stories from others about how long things could take and experiences that weren’t so pleasing, but Kim was there every step of the way. We love an open line of communication and she provided just that! Kim was on top of everything and a joy to work with in helping us get approved for our home!”

Mark In Oak Alley Meadows

“Nathan Waller and his team were outstanding. I was always informed throughout the whole process, and they had my best interests and success as their focus. I would recommend them for all mortgage needs.”

Benjamin In Lake Haven

“Buying a home can feel overwhelming, but my experience was the complete opposite painless, professional, and surprisingly stress-free from start to finish. Valeria was truly outstanding. She was courteous, kind, attentive, and always made sure I understood every step without ever making it feel complicated. She kept me informed the entire way and explained everything clearly and professionally. The whole team was respectful and genuine, and closing was straightforward and easy, with no surprises at all. I felt supported and cared for throughout the process.”

Letora In Lake Haven

“From the start of the process with Valeria, it was amazing and simple. She and Kevin with DSLD went above and beyond their duties to answer every call and text. Their dedication to their careers is unmatched. I would recommend them hands down, no questions asked. Thank you so much!”

Alisa In Fairview Gardens

“Valeria was amazing! She made things very easy, kept on top of our paperwork in a reasonable timeframe, and was able to explain everything under our mortgage agreement so we really understood what we were signing. She was also able to offer us a great interest rate that really helped us buy our house! She is very personable and great at what she does! If my husband and I ever end up buying another DSLD house, I would love working with her again!“

William In Tantela Lakes

“Using both DSLD Mortgage and DSLD Title turned out to be a wise decision. They made the entire financing and home purchase process go smoothly. I am especially grateful to our DSLD loan originator, Nathan Waller, who provided guidance and advice every step of the way. Always available to answer questions and explain the process and procedures, he responded quickly to every inquiry I had. His courteous professionalism and extensive knowledge make him a valuable asset to both DSLD and his clients. Thank 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.