top of page


The most common type of mortgage program in the US is the Fixed Rate. Here your monthly payments which are based on the amount, the interest rate and principal never change. Property taxes and homeowners insurance are not included in the Loan and as such may increase.


  • Down payments as low as 3.5%

  • Lower credit score accepted

  • Flexible qualification guidelines

  • Fixed-rate and adjustable-rate loan options

  • Refinance up to 96.5% current home value

  • Cash out and debt consolidation financing

Home Refinance.png

What is a Fixed Rate Loan?

The credit crisis of 2008 - 2010 eliminated most nationally financed construction lending program. Based on the location of your home, Efinity Home Loans may work with regional banks to facilitate your construction needs. While a typical loan broker or local lenders may be limited in their respective products and programs, Efinity Home Loans has the some of the widest loan features focused on helping clients under many different circumstances.

Fixed Rate Fully Amortizing Loans

Home equity loans allow you to borrow against the value of your home. Each state has different laws which limit the amount of equity a homeowner can access. Home Equity loans appeal to borrowers because they can borrow relatively large amounts of money, and they are easier to qualify for than other types of loans. If your home is worth more than you owe on it, a home equity loan can provide funds for anything you may need. Home equity loans can be first either mortgage loans (refinancing the current loan on the home) or a second mortgage. Efinity Home Loans

offers both options!

Home Refinance.png
Home Refinance.png

Pros & Cons Of Fixed Rate Loans

The advantage is that the initial interest rate is lower than on a 30-year mortgage. The disadvantage is what happens after five years. Your interest rate could increase rapidly, depending on current rates. Therefore, this is a good loan if you're sure you will sell within five years.

bottom of page