A conventional 30-year fixed rate mortgage features a steady interest rate throughout its lifetime. Spanning three decades, homeowners with this mortgage can look forward to consistent monthly payments for many years to come, which can provide peace of mind and help them budget their finances. A conforming 30-year fixed rate loan offers amounts up to $726,200 in most of the US and a maximum of $1,396,800 in high-cost areas.

30-Year Fixed Rate Mortgage

A conventional 15-year fixed rate mortgage is similar to a 30-year fixed rate mortgage in many respects. A conforming 15-year fixed rate loan features a limit of $726,200 ($1,396,800 in high-cost areas) and a consistent rate throughout its lifetime, giving you secure and predictable monthly mortgage payments.

15-Year Fixed Rate Mortgage

An adjustable rate mortgage (ARM) is a home loan with an interest rate that changes after a fixed amount of time—usually 5-7 years. Adjustable rate mortgages typically offer lower interest rates and lower monthly payments than a fixed rate mortgage. After the allotted time passes, the rate may adjust and your monthly mortgage payments will adjust accordingly.

Adjustable Rate Mortgage

A non-conforming jumbo mortgage can help you purchase a lot of real estate. This mortgage is needed for loan amounts over the conforming loan limit of $726,200 and $1,396,800 in high-cost areas. If you need to take out a loan over the conforming limit, a fixed or adjustable rate jumbo mortgage could be your ticket to a big and beautiful home.

Jumbo Loan

FHA home loans are mortgages insured by the federal government through the Federal Housing Administration (FHA), a branch of the Department of Housing and Urban Development. FHA home loans reduce the barrier to entry for homebuyers and refinancers by featuring low down payments, flexible credit requirements and more purchase power. If funds are limited, an FHA home loan can help you finance more than 80% of your home value.

FHA Loan

The US Government's VA loans program helps veterans, active-duty service members and their families qualify for a home loan. Though they are issued by private lenders like Proper Rate, VA home loans are backed by the US Department of Veterans Affairs. Created during World War II to help returning service men and women purchase homes, this program has guaranteed over 22 million VA loans since 1944.

VA home loan

Certainty Home Lending

McKinney

<footer class="certainty-footer-container">
      <div class="certainty-footer-container--inner">
        <div class="certainty-social-container">
          <div class="certainty-social-links">
            <a href="https://www.facebook.com/certaintyhomelending" aria-label="Facebook">
              <i data-testid="font-icon" class="certainty-rc-font-icon rc-font-icon font-icons-social-facebook" aria-hidden="true" style="font-size: 1.25rem" data-reactroot=""></i>
            </a>
            <a href="https://x.com/certaintyloans" aria-label="X social media platform">
              <i data-testid="font-icon" class="certainty-rc-font-icon rc-font-icon font-icons-social-twitter" aria-hidden="true" style="font-size: 1.25rem" data-reactroot=""></i>
            </a>
            <a href="https://www.instagram.com/certaintyhomelending" aria-label="Instagram">
              <i data-testid="font-icon" class="certainty-rc-font-icon rc-font-icon font-icons-social-instagram" aria-hidden="true" style="font-size: 1.25rem" data-reactroot=""></i>
            </a>
            <a href="https://www.youtube.com/channel/UC71n7qB08iK-YHCbvtX5mLA" aria-label="Youtube">
              <i data-testid="font-icon" class="certainty-rc-font-icon rc-font-icon font-icons-social-youtube" aria-hidden="true" style="font-size: 1.25rem" data-reactroot=""></i>
            </a>
            <a href="https://www.linkedin.com/company/certaintyhomelending" aria-label="LinkedIn">
              <i data-testid="font-icon" class="certainty-rc-font-icon rc-font-icon font-icons-social-linkedin" aria-hidden="true" style="font-size: 1.25rem" data-reactroot=""></i>
            </a>
          </div>
        </div>
        <div class="certainty-links-container">
          <ul class="certainty-column certainty-logo">
            <li>
              <a href="https://www.certaintyhomelending.com/">
                <img src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blte5f38d9d59eada41/65f229c10c744d47707bfeec/certainty-home-lending-logo.png" alt="Certainty Home Lending" width="204" height="99" />
              </a>
            </li>
          </ul>
          <ul class="certainty-column" aria-label="Your Mortgage">
            <h4>YOUR MORTGAGE</h4>
            <li><a class="certainty-bodyS" href="https://apply.certaintyhomelending.com/">Apply now</a></li>
            <li><a class="certainty-bodyS" href="https://login.certaintyhomelending.com">Sign in to your account</a></li>
          </ul>
          <ul class="certainty-column" aria-label="Lending Options">
            <h4>LENDING OPTIONS</h4>
            <li><a class="certainty-bodyS" href="/purchasing-a-home/">Purchase a home</a></li>
            <li><a class="certainty-bodyS" href="/refinancing-a-loan/">Refinance a loan</a></li>
            <li><a class="certainty-bodyS" href="/purchasing-a-home/home-renovation-loan/">Renovate your home</a></li>
            <li><a class="certainty-bodyS" href="/heloc/">Home equity line of credit (HELOC)</a></li>
            <li><a class="certainty-bodyS" href="/learning-center/calculator/">Mortgage calculator</a></li>
            <li><a class="certainty-bodyS" href="/find-your-loan-officer/">Find a loan officer</a></li>
            <li><a class="certainty-bodyS" href="/contact-us/">Branches near you</a></li>
            <li><a class="certainty-bodyS" href="/learning-center/">Resources</a></li>
            <li><a class="certainty-bodyS" href="/flashclose/" id="cdq_element_3" style="display: inline-block; margin-top: 0px; margin-bottom: 0px; padding-top: 0px; padding-bottom: 0px;">FlashClose℠</a></li>
            <li><a class="certainty-bodyS" href="/same-day-mortgage/" id="cdq_element_4" style="display: inline-block; margin-top: 0px; margin-bottom: 0px; padding-top: 0px; padding-bottom: 0px;">Same Day Mortgage</a></li>
          </ul>
          <ul class="certainty-column" aria-label="Company">
            <h4>COMPANY</h4>
            <li><a class="certainty-bodyS" href="/about-us/">About us</a></li>
            <li><a class="certainty-bodyS" href="/community-conection/">Community Connection</a></li>
            <li><a class="certainty-bodyS" href="/transparency-in-coverage/">Transparency in Coverage</a></li>
            <li><a class="certainty-bodyS" href="/learning-center/insights/industry-news/">Newsroom</a></li>
            <li><a class="certainty-bodyS" href="/contact-us/">Contact us</a></li>
            <li><a class="certainty-bodyS" href="/careers/">Careers</a></li>
          </ul>
          <ul class="certainty-column" aria-label="Legal">
            <h4>LEGAL</h4>
            <li><a class="certainty-bodyS" href="/accessibility/">Accessibility</a></li>
            <li><a class="certainty-bodyS" href="/privacy-center/">Privacy Policies</a></li>
            <li><a class="certainty-bodyS" href="/licensing/">Licensing</a></li>
            <li><a class="certainty-bodyS" href="/terms-of-use/">Terms of Use</a></li>
            <li><a class="certainty-bodyS" href="/sms-terms/">SMS Terms</a></li>
            <li><a class="certainty-bodyS" href="/notice-to-vendors/">Notice to Vendors</a></li>
            <li><a class="certainty-bodyS" href="https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2611">NMLS Consumer Access</a></li>
          </ul>
        </div>
        <ul class="certainty-links-container certainty-links-container--mobile">
          <li><a class="certainty-bodyS" href="/about-us/">About Certainty</a></li>
          <li><a class="certainty-bodyS" href="/find-your-loan-officer/">Find your loan officer</a></li>
          <li><a class="certainty-bodyS" href="/purchasing-a-home/">Purchase a home</a></li>
          <li><a class="certainty-bodyS" href="/refinancing-a-loan/">Refinance a loan</a></li>
          <li><a class="certainty-bodyS" href="/renovate-a-home/">Renovate your home</a></li>
          <li><a class="certainty-bodyS" href="/careers/">Careers</a></li>
          <li><a class="certainty-bodyS" href="/sitemap/">Sitemap</a></li>
          <li><a class="certainty-bodyS" href="/contact-us/">Contact us</a></li>
        </ul>
        <div class="certainty-social-container--mobile">
          <div class="certainty-social-links">
            <a href="https://www.facebook.com/certaintyhomelending" aria-label="Facebook"><i data-testid="font-icon" class="certainty-rc-font-icon rc-font-icon font-icons-social-facebook" aria-hidden="true" style="font-size: 1.25rem" data-reactroot=""></i></a>
            <a href="https://x.com/certaintyloans" aria-label="X social media platform"><i data-testid="font-icon" class="certainty-rc-font-icon rc-font-icon font-icons-social-twitter" aria-hidden="true" style="font-size: 1.25rem" data-reactroot=""></i></a>
            <a href="https://www.instagram.com/certaintyhomelending" aria-label="Instagram"><i data-testid="font-icon" class="certainty-rc-font-icon rc-font-icon font-icons-social-instagram" aria-hidden="true" style="font-size: 1.25rem" data-reactroot=""></i></a>
            <a href="https://www.youtube.com/channel/UC71n7qB08iK-YHCbvtX5mLA" aria-label="Youtube"><i data-testid="font-icon" class="certainty-rc-font-icon rc-font-icon font-icons-social-youtube" aria-hidden="true" style="font-size: 1.25rem" data-reactroot=""></i></a>
            <a href="https://www.linkedin.com/company/certaintyhomelending" aria-label="LinkedIn"><i data-testid="font-icon" class="certainty-rc-font-icon rc-font-icon font-icons-social-linkedin" aria-hidden="true" style="font-size: 1.25rem" data-reactroot=""></i></a>
          </div>
        </div>      
        <div class="certainty-copyright-container">
          <div class="certainty-copyright-container--images">
            <img class="certainty-badge" src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blt46013f5cd7fc82e1/65f231bd0c744d4a387bff24/equal-housing-lender.png" alt="Equal Housing Lender" width="46" height="47" />
            <img class="certainty-badge" src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/bltb28dc8aa02b7886c/65f231bd54369a7b51693a3a/AB-seal-horz.svg" alt="Better Business Bureau Accredidation" width="134" height="47" />
            <img class="certainty-badge" src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blt0385c73657cafa3c/65f2323d0780b95bca61c06a/trustspot.png" alt="Trustspot Verified" width="101" height="47" />
          </div>
          <p>
            <a class="certainty-link" href="https://privacyportal.onetrust.com/webform/168096e5-faa8-4fdd-a479-992231adbdc1/9815a17a-8663-4622-9062-7d2e18e2040d" target="_blank">Do Not Sell or Share My Personal Information and/or Limit the Use of My Sensitive Personal Information</a>
          </p>
          <p>
            <a class="certainty-link" href="/tx-consumers/" target="_blank">Texas Consumers: How to file a complaint</a>
          </p>
          <p>
            <address>Guaranteed Rate, Inc DBA Certainty Home Lending, NMLS 2611. For licensing information, go to: <a class="certainty-link" href="https://www.nmlsconsumeraccess.org" target="_blank">www.nmlsconsumeraccess.org</a></address>
          </p>
          <p>
            Headquarters: 3940 N. Ravenswood Ave. Chicago, IL 60613 - ph. (844) 615-2955
          </p>
          <p>
            <em>This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.</em>
          </p>
          <p>
            <em>This is not a commitment to lend. Program restrictions apply. Certainty Home Lending’s policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race, color, religion, national origin, age (provided the applicant or borrower has legal capacity to enter into a binding contract), sex, marital status, disability, familial status, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act, or any other prohibited basis identified under state law.</em>
          </p>
          <p class="certainty-bodyXS">
            © 2025 Guaranteed Rate, Inc DBA Certainty Home Lending. All Rights Reserved.
          </p>
        </div>
      </div>
    </footer>

1 Mortgage Lender McKinney, TX