Chesapeake, VAPurchase
Came in early, closed fast
They started months ahead to find the right home, not just a home — then moved fast.
Just over 3 weeksBuyer’s agent @Wineyshkaisabel
Home › Loan options › 30-year fixed
30-year fixed mortgage
The lowest monthly payment of the traditional loans, and a rate that never changes.
30 yrsone fixed rate
Lowestmonthly payment of the fixed terms
3%+down on many conventional programs
For eligible borrowers. Programs, terms and availability vary by lender and can change — ask Craig for current details.
Who it fits
- First-time buyers and growing families
- Anyone who wants a predictable budget
- Buyers who would rather invest the monthly difference
Good to know
- You pay more interest over the life of the loan than on a 15-year.
- Equity builds more slowly in the early years.
- You can still pay extra principal whenever you want.
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.
Chesapeake, VA
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
Kansas City, KSPurchase
Told they wouldn’t qualify
Approved for a renovated home and closed early to fit their schedule.
Closed in 15 daysBuyer’s agent @kee.sells.houses
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
30-year fixed: common questions
Can I refinance later if rates drop?
Yes. Craig keeps an eye on rates for past clients and will tell you when a refinance actually makes sense.
Is PMI required?
On a conventional loan with less than 20% down, yes — and it can be removed once you reach enough equity.
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.