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30-Year Fixed-Rate Mortgage

Explore the most popular loan option in the country

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About 30-year fixed-rate mortgages

A loan to fit all buyers

30-year fixed-rate mortgages are often chosen for their stability, allowing you to keep a stable interest rate over the term of your loan. 30-year fixed-rate mortgages are so popular that approximately 90% of American buyers choose them.

If you’re seeking a loan that confers stability, and a clear mortgage road map, a 30-year fixed-rate loan is a great option for homebuyers of all stripes. At Federal Hill Mortgage, we’re dedicated to delivering the best rates we can find through our brokerage and lending services. 

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Ranked in Maryland
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5-star reviews
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Nationally ranked
# 100
Ranked in Maryland
0 +
5-star reviews

To secure your 30-year fixed-rate mortgage, we recommend you start by seeking pre-approval. Pre-approval helps streamline the mortgage shopping process by getting the information exchange going with your broker, allowing them to more quickly process a loan application. It also helps you get an idea of what you can afford while home shopping

Now it's time to apply for your loan. Unlike pre-approval, getting approved for your loan is a longer and more in-depth process that touches every aspect of your financial health and history. 

It's time to find your dream home! Choosing a qualified realtor will help you make wise home-buying decisions. Once you have selected the perfect home, it's time to close your loan with the professional help of your Maryland mortgage brokers at Federal Hill Mortgage. 

Understanding fixed-rate mortgages

What you need to know about a 30-year fixed-rate mortgage

30-year fixed-rate mortgages offer specific advantages that make them so popular. Because the loan term is longer than other fixed-rate offerings, your monthly payments are often lower. However, the beauty of a 30-year fixed-rate mortgage is that you have the flexibility to make larger payments if it becomes financially viable. However, you always have the lower required monthly payment to fall back on should the situation require it. What also comes with this loan is predictability. Regardless of where the market goes, you can count on the fact that your interest rate will remain the same of the loan’s life. 

30-year fixed-rate mortgages are a great option for home buyers of all stripes, and the expert team at Federal Hill Mortgage can’t wait to help make your home buying dreams a reality. 

What people say about us

Client testimonials

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"Finding commercial real estate financing in the current environment is really difficult. Many people have given up. We were recommended to Tammy by a friend and she was able to introduce us to a lender. She followed up dilligently to ensure that the transaction went through without incident. We wouldn't hesitate to use her again."
Mark A. GrossOwner, Linestanding.com
"Hands down, this is the best, and most helpful company you could choose to help you finance your home. From start to finish, Tammy and staff offer the most professional advice, are promtly responsive to emails, and will work with you every step of the way to ensure financing is secured with the lowest interest rate possible. Tammy does a fabulous job answering any and every question about this often challenging and frustrating process. With so many changes to mortgage laws and all of the documentation required to secure financing, you won't be disappointed by the assistance they provide every step of the way!!!"
Daniella HerdmanBaltimore, MD
"We have been working with Tammy from Federal Hill Mortgage for several years and have a great working relationship. As real estate investors primarily investing in Baltimore, we value the expertise Tammy brings to our team in helping us obtain financing for properties we purchase for resale and for hold/rent. We consider Tammy a valued member of our team and look forward to doing more deals with FHM in the future.
Dan Stebbins
"Tammy was very helpful with my refinance. She made the process simple and she got it done! I will be using Federal Hill Mortgage again for any new purchases."
April Mitchell
"Let me first start off by saying Tammy is a godsend to the lender community. I honestly do not know what I would have done without her assistance on a recent refinance. When all other lenders said no (and I truly mean all others said no).... Tammy and Federal Hill said yess!! She put in countless hours to get my loan to closing even when it meant working late hours and weekends. I am positive I will work with Tammy and Federal Hill Mortgage again in the near future. I have already raved to my friends and family about my experience and recommended that they too should use Federal Hill Mortgage for their future lending needs. Thanks again Tammy!"
Marcus Hill
"Tammy is the best in the business. Tammy and her staff bring it all to the table during a real estate transaction: excellence, education, experience, precision, respect, and a rare dedication to serving people promtly. Tammy actually researches each borrower's situation-and then she charts the course to a successful closing. I am impressed with her. Tammy answered my initial distress call late one Sunday, we had never worked together before. Within five minutes she knew the facts of my transaction and provided recommendations. I was sold on her immediately. My clients decided to work with her after another lender failed to perform on time. There is absolutely no comparison, Tammy and Tiffany do a flawless job!"
Norine ThomasRe/Max 100 Columbia
"Many of my clients use Tammy for their hard to place loans. Simply put, she has access to companies that other mortgage brokers do not and has a reputation of getting them done in a timely and professional manner."
Steven LurayPresident/Agent, Luray Insurance Agency
"Tammy and Tiffany are an excellent team. As a new resident to the Maryland area, they took the time to explain the mortgage process and kept us informed each step of the way. The team was very professional and responsive to any questions and concerns we had. I would highly recommend their services to anyone."
AD & Sadia ArnoldCEO
"I had the pleasure of working with both Tammy and Tiffany. They were both an absolute delight to work with. They both always made me feel like I was the companies most important client. They were very pleasant and knowledgeable. I would recommend Federal Hill Mortgage!"
Teresa Garner
"Tammy and Tiffany are the ultimate team. Since I have done mortgages in the past with them, they made it easy to provide what is needed for processing. They got me an awesome rate on an investment property and made the process totally smooth. I will continue to refer people and do all of my loans with them."
Eric Blonquist

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At Federal Hill Mortgage, our success story is the memories you get to create in your new home. We believe that you should have attentive, professional, and effective mortgage brokers and lenders ready to help you find the right conventional loan. 

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