A fixed rate mortgage allows homeowners to budget the same payment every month for the entire term of the loan. And because our mortgages never have prepayment penalties, if interest rates drop in the future, you can refinance to take advantage of the lower rates.

Why get a fixed rate loan?

  • Get the security of an interest rate and payment that won’t change

  • Make budgeting easier.
  • Put as little down as 5%.
  • Federally insured FHA Fixed Rate loan programs are also available (starting at 3% down!)

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We offer a wide range of fixed rate mortgage programs, from ten years all the way up to thirty. Visit our specific fixed rate program pages to see how each can benefit  you!

Why talk to one of our Licensed Loan Advisors??

Talking to a Licensed Loan Advisor is an important step to getting the right mortgage loan. Everybody has different loan needs and a mortgage banker knows which questions to ask in order to best match you with the right loan and monthly payment. Since we have a strict No Steering policy, you can be assured that the loan option suggested to you will fit your needs.

Your loan advisor will also explain all the steps–from getting started, to locking in your low rate, to closing your loan fast, in little as 30 days or less!!. Because we are a direct lender, if you have any questions during the loan process, you will have one direct number enabling you to get quick answers straight from the source.

Client Testimonials – What Our Customers are Saying

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I have dealt with Michael Minkoff in the past. And I found him to be every professional, honest and very forthcoming. This is my third opportunity to have dealt with him on the purchase of Homes and condominiums. And Michael has never disappointed me in any way, during the procedures and purchases of any properties. Over the years I have thought of Michael as more of a friend than a business acquaintance. Michael performs his task over and above its competitors with ease. You guys have a real gem on your hands... Michael Minkoff THE BEST definitely 5 stars.

David Clopton 190 escambi lane Cocoa Beach Florida 32931 January 28, 2016

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