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Fixed Rate Mortgage Loans

Fixed Rate Mortgage Loans


The interest rate on a fixed rate mortgage is set when you take out the loan, and remains the same over the life of the loan. Since the interest rate is fixed, your monthly payment amount will fluctuate less than an adjustable rate loan. While principal and interest will remain the same, taxes and insurance could change thus adjusting your monthly payment amount slightly. The interest rate on a fixed rate loan is usually somewhat higher than other mortgage loan types, to account for rates rising in the future. However, having a consistent interest rate and more predictable monthly payment is appealing to many buyers. That stability makes it easier to work your monthly payment amounts into your budget. Fixed rate mortgages are ideal for home buyers who plan to stay in the home for many years or prefer a more consistent monthly payment.


Why Choose Robins Financial for your Mortgage?

Our mortgage loans offer benefits that can't be beat!

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Local Processing and Underwriting

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Low Closing Costs

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Quick Closings

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Competitive Rates


Use our Mortgage Calculators to help you determine how much you can afford.




*Federally insured by NCUA. Terms and conditions apply; subject to credit approval. Contact the credit union for membership details.*