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15-Year Fixed-Rate Mortgage | Easiest Mortgages
Lock in a Low Fixed Interest and Pay Off Your Home in Half the Time
Why More Homeowners Are Choosing a 15-Year Fixed-Rate Mortgage
Pay Off Your Mortgage Faster
Build equity quicker and achieve financial freedom in half the time.
Reduce Total Interest Paid
Save significantly on interest over the life of the loan compared to longer terms.
Fixed Monthly Mortgage Payment
Enjoy budgeting stability with consistent payments throughout the term.
Shorter Amortization Schedule
Reach financial freedom quicker with an accelerated payoff timeline.
Lower Rates Than 30-Year Loans
Access competitive rates from top lenders like Fannie Mae and Freddie Mac.
Why Choose Our 15-Year Fixed-Rate Mortgage
Easiest Mortgages offers conventional 15-year fixed-rate home loans tailored to borrowers who want financial control and long-term savings. This short-term mortgage option locks in your interest rate for the full term, delivering payment consistency and faster homeownership. Whether you're a first-time buyer or refinancing from a 30-year term, our experienced team simplifies the process—without surprises.
We work with leading lending institutions to deliver the best 15-year fixed-rate mortgage deals in your area.
Signs You Need a 15-Year Fixed-Rate Mortgage
You want to pay off your home before retirement
A shorter duration fixed loan accelerates home equity growth, making it ideal for retirement planning.
You're refinancing a 30-year mortgage into a better rate
A lower interest fixed mortgage can significantly cut your total interest paid—especially if you're mid-loan.
You have strong income and want a principal-heavy payment structure
High-income borrowers benefit from faster equity building and quicker PMI removal.
You're purchasing a second home or investment property
This loan helps reduce holding costs over time with a fixed rate and shorter payoff timeline.
You're downsizing and want debt-free homeownership
A 15-year mortgage offers peace of mind with fixed payments and faster completion of the loan.
Our 15-Year Mortgage Process
Pre-Qualification
We review your credit, income, and goals to match you with the best 15-year fixed-rate programs.
Rate Lock and Application
Secure today's best fixed mortgage rates from institutions like Fannie Mae, Freddie Mac, FHA, VA, and USDA.
Appraisal and Underwriting
We coordinate with certified appraisers and loan underwriters to verify your loan's value and eligibility.
Closing and Funding
We guide you through final disclosures, signings, and fund release for a smooth, on-time closing.
Biweekly Payment Setup (Optional)
Choose to make biweekly payments for even faster mortgage payoff and interest savings.
Our Mortgage Partners
We work with trusted mortgage entities and lenders to ensure your safety and peace of mind.
Your safety matters. All loans are federally regulated and comply with consumer protection guidelines from the CFPB, ensuring transparency in every transaction.
15-Year Fixed Mortgage Reference
| Types of Loans | Options | Process |
|---|---|---|
| 15-year fixed-rate mortgage | fifteen-year mortgage, short-term home loan | fixed-rate loan |
| Fixed-rate home loan | fixed interest rate loan, fixed mortgage | fixed monthly payment |
| Shorter amortization mortgage | accelerated mortgage payoff | reduced loan term mortgage |
| Low interest fixed mortgage | lower total interest mortgage | best 15-year mortgage rates |
| Biweekly mortgage payments | faster mortgage payoff loan | equity building plan |
| Conventional 15-year mortgage | 15-year home loan | refinance 30-year into 15-year loan |
Frequently Asked Questions About 15-Year Fixed Mortgages
What is a 15-year fixed-rate mortgage?
A 15-year fixed mortgage is a home loan with a fixed interest rate and monthly payments that remain constant over 15 years. It allows for faster payoff and significant interest savings.
Is a 15-year mortgage worth it?
Yes, if you can manage a higher monthly payment, the total interest savings are substantial, and equity builds much faster than with a 30-year loan.
What's the monthly payment on a 15-year mortgage?
It depends on your loan amount and rate. For example, a $250,000 mortgage at 6% fixed would be approximately $2,109/month (excluding taxes and insurance).
Can I refinance into a 15-year loan?
Absolutely. Many homeowners refinance from a 30-year mortgage into a 15-year term to save on interest and shorten their amortization schedule.
What credit score is needed for a 15-year mortgage?
Conventional 15-year loans typically require a credit score of 620 or higher. Premium rates are available for scores above 740.
Ready to Pay Off Your Home Faster?
Call Easiest Mortgages today and speak with a loan advisor about our top-rated 15-year fixed mortgage options.
