Fixed Rate Mortgage

For many homeowners, the Fixed Rate Mortgage stands as a cornerstone of financial stability. This popular loan option offers the invaluable benefit of predictable principal and interest payments that remain constant throughout the entire life of your loan, providing peace of mind and simplified long-term budgeting.

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"What Is Fixed Rate Mortgage?"

A Fixed Rate Mortgage is a fantastic option for homebuyers looking for stability and predictability in their monthly payments. Unlike adjustable-rate mortgages, your interest rate remains constant for the entire loan term, making it an attractive choice for those who value consistent budgeting.

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"Latest Fixed Rate Mortgage Rates in US"

For those seeking the ultimate in payment stability and predictability, a Fixed Rate Mortgage offers unparalleled peace of mind. At Intelligent Mortgage, we specialize in helping individuals and families secure the consistent, long-term financing they need for their home.

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"Loan Benefits with
Walt Herschede"

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Enjoy no down payment and low rates with flexible loan options.

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Financing available for loan amounts exceeding $1 million

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Custom financing solutions for high-value properties with flexible rate options

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No down payment required with loan financing.

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"Who Qualifies for a Fixed Rate Mortgage?"

A Fixed Rate Mortgage might be right for you if you’re looking for:

  • Predictable Monthly Payments: Your principal and interest payment remains constant for the entire loan term, regardless of market fluctuations.

  • Budget Stability: Easy budgeting with a consistent payment you can count on.

  • Long-Term Security: Protection from rising interest rates, offering peace of mind over the life of your loan.

  • Clear Financial Planning: Knowing exactly what you’ll pay each month makes long-term financial planning straightforward.

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Why Choose Intelligent Mortgage?

At Intelligent Mortgage, led by CEO Walt Herschede, we are profoundly honored to assist our nation’s active-duty service members, Veterans, and eligible surviving spouses in achieving their homeownership dreams. With deep respect and gratitude for your service, we specialize in guiding you through the unique and powerful benefits of VA loans.

We are known for

Understanding of loans underwriting criteria
Strong connections with specialized and private lenders
Prompt and attentive service from a highly rated team
Straightforward guidance with no high-pressure tactics
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"FAQs"

At Intelligent Mortgage, led by Walt Herschede, we distinguish ourselves through our commitment to intelligent solutions and personalized service. We don’t just process loans; we take the time to understand your unique financial situation and goals, then educate you on the best-fit options from our wide range of services. Our focus is on providing clear, transparent advice and ensuring a smooth, stress-free experience from application to closing.

Absolutely! We specialize in guiding first-time homebuyers through every step of the process. We understand that buying your first home can feel overwhelming, which is why we offer dedicated support, explain all the options clearly (including FHA Loans, State and Local Housing Programs, and other low-down payment solutions), and help you prepare for a successful homeownership journey.

We offer a comprehensive suite of loan products to meet diverse needs. Our options include:

  • Adjustable Rate Mortgages (ARMs)

  • Fixed Rate Mortgages

  • FHA Loans

  • VA Loans

  • Conventional Loans

  • Jumbo Loans

  • RHS Loan Programs

  • State and Local Housing Programs

  • Home Equity

  • Refinance options

  • Residential loans of all kinds, including Fix and Flips. We’ll help you understand the pros and cons of each to find the perfect fit.

Loans are a fantastic benefit for eligible veterans, active-duty service members, and certain surviving spouses. Eligibility typically depends on your service history, including length of service and discharge status. While the Department of Loans sets the core eligibility criteria, we can help you understand these requirements, determine your specific eligibility, and assist you in obtaining your Certificate of Eligibility (COE) – a crucial step in securing your loan.

With a Fixed Rate Mortgage, your interest rate remains the same for the entire life of the loan, resulting in predictable monthly principal and interest payments. This offers stability and makes budgeting easier. An Adjustable Rate Mortgage (ARM), on the other hand, starts with a fixed interest rate for an initial period (e.g., 5 or 7 years), after which the rate can adjust periodically based on market indices. ARMs often start with lower interest rates than fixed-rate options, which can be appealing if you plan to move or refinance before the adjustable period begins. We can help you weigh the pros and cons of each based on your financial plans and risk tolerance.

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Join countless service members and veterans across the nation who trust us to guide them through the loan process every step of the way.