15 year fixed

How a 15 Year Fixed Mortgage Works

You’ll pay off the mortgage in 15 years. Because you’ll pay off the loan faster than a 30-year mortgage, you’ll pay less in interest over the life of the loan.


  • You can pay down your mortgage at any time without prepayment penalties.
  • Your payment will go toward paying the principal (the amount you borrow) and interest (a fee you agree to pay when borrowing the money). It will also be used to pay your taxes and insurance.
  • With a fixed interest rate, your principal and interest payments won’t change over the life of the loan. The amount for your taxes and insurance can go up and down.
  • You might have to pay for mortgage insurance. This depends on your down payment if you’re buying a home, or how much equity you have if you’re refinancing.

Payments Locked In

Rest easy knowing your monthly principal and interest payment won’t change

Quicker Pay-off

Pay off your mortgage faster than with other loans

Low Down Payment

Buy your primary home with as little as 3% down

Great Refinancing Terms

Refinance your primary home for up to 97% of its value
We have utilized the mortgage services of Stonegate Mortgage on several occasions and have been very happy with their customer service skills, feedback and knowledge of the industry. Stonegate Mortgage also attends all closings which makes the buying experience that more pleasurable and comfortable for our clients.
Phil & Debbie Rose

Years in business

Loans closed

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