Virginia Beach, VAFirst-time buyer
From renting in LA to owning in Virginia
A teacher’s cross-country move, new career and first home — planned together and done.
Coast to coastBuyer’s agent @iamcraighouston
Home › Loan options › 15-year fixed
15-year fixed mortgage
Pay the home off in half the time and save a large share of the interest.
15 yrsone fixed rate
Lowerrate than a 30-year, as a rule
Fasterequity growth
For eligible borrowers. Programs, terms and availability vary by lender and can change — ask Craig for current details.
Who it fits
- Buyers with steady income and room in the budget
- Homeowners refinancing toward retirement
- Anyone who wants to be debt-free sooner
Good to know
- The monthly payment is noticeably higher than a 30-year.
- Less monthly cash flow for other goals.
- Craig will run both terms side by side for your numbers.
How it works
From first call to keys
Talk to Craig
A 15-minute call about your goals, timeline and budget. No credit pull, no pressure — just straight answers.
Get pre-approved
Apply online in about ten minutes. Craig compares lenders and programs and sends you a pre-approval you can shop with.
Close on time
Craig keeps you, your agent and title in the loop every week, and gets you to the closing table — often in 21 days or less.
Closed with Craig
Recent closings like yours
Real loans Craig closed — what the buyer needed and how it came together.
Virginia Beach, VA
Sachse, TXRefinance
Saving over $1,000 a month
That is $12,000+ a year back in the homeowner’s pocket.
Closed in 9 days
Brownsville, TXVA refinance
Entitlement restored, rate lowered
Restored the veteran’s VA entitlement and lowered the rate with $0 out of pocket.
Under 2 weeks
Payment calculator
Estimate your monthly payment
Estimated monthly payment
$0/mo
- Principal & interest
- Property tax
- Insurance
- Mortgage insurance
- Loan amount
Illustration only — not a quote. VA shows the funding fee financed (2.15% first use) and no monthly MI; FHA uses 1.75% upfront and 0.55% annual MIP; conventional MI is estimated at 0.5%/yr under 20% down. Ask Craig for real numbers on your scenario.
FAQ
15-year fixed: common questions
How much more is the payment?
Use the calculator on this page with both terms — or ask Craig for a side-by-side.
Can I refinance from a 30 into a 15?
Yes, it is one of the most common refinance moves.
How long does it take to close?
Most loans close in about 21–30 days. Some of Craig’s recent clients closed a purchase in 9 days and a refinance in 4 days when the file was ready — every file is different.
How much do I need for a down payment?
It depends on the program. VA, USDA and physician loans can be zero down for eligible borrowers, FHA starts at 3.5%, and some conventional programs start at 3% — or 1% with lender-paid assistance for income-qualified buyers. Down payment assistance can cover part or all of it.
Compare
All loan optionsOther options worth a look
VA loans$0 down, no PMI and limits on closing costs for veterans, active-duty service members and eligible surviving spouses.
VA one-time close constructionBuy the land and finance construction in a single closing — with participating lenders, no payments for up to 11 months while the home is built.
Physician loansLittle or no down payment, no PMI and student loans treated fairly — for doctors, dentists, pharmacists, vets, residents and fellows.
Need a human touch?
Craig picks up.
Call, text or book 15 minutes. You will talk to Craig — not a call centre.