We help California homebuyers and homeowners enjoy long-term financial stability with a 30-year fixed-rate mortgage. This loan offers predictable monthly payments, flexible qualification options, and affordable financing, making it the most popular home loan choice for buyers seeking comfort and consistency.
30-Year Fixed Loans in California
About
What Is a 30-Year Fixed Loan?
A 30-year fixed-rate mortgage is a loan where your interest rate and monthly payment stay the same for the entire 30-year term. It’s a great option for homebuyers who want lower monthly payments and the flexibility to manage other financial goals while owning a home. Because the payment is spread over 30 years, you’ll enjoy smaller, more manageable installments and long-term financial peace of mind.
Eligibility Criteria
Who Is Eligible for a 30-Year Fixed Loan in California?
You may qualify for a 30-year fixed-rate mortgage if you meet the following general criteria:
- Credit Score: Minimum 620+, depending on loan type.
- Down Payment: As low as 3% for conventional loans (or 0% for VA loans).
- Debt-to-Income Ratio (DTI): Typically below 50%.
- Steady Income: Verified, consistent income for at least two years.
- Property Type: Can be used for primary homes, second homes, or investment properties.
Benefits
Benefits of a 30-Year Fixed Loan
Lower Monthly Payments
Spread your payments over 30 years for easier budgeting
Stable Interest Rate
Your rate and payment never change for the life of the loan
Flexible Qualification
Easier approval with lower income and debt requirements
Multiple Loan Options
Available for conventional, FHA, VA, and Jumbo programs
Ideal for Long-Term Planning
Great for families and first-time buyers
Refinance Anytime
Switch to a lower rate or shorter term when ready
Types
Types of 30-Year Fixed Loans We Offer
Conventional 30-Year Fixed
Best For: First-time and repeat buyers
Highlights: Low down payment options and stable rates
FHA 30-Year Fixed
Best For: Buyers with limited credit
Highlights: Low 3.5% down and flexible approval
VA 30-Year Fixed
Best For: Veterans and service members
Highlights: $0 down, no PMI, and competitive rates
Jumbo 30-Year Fixed
Best For: High-value property buyers
Highlights: Finance luxury homes with stable long-term payments
Comparison
30-Year Fixed vs. 15-Year Fixed Loan
30-Year Fixed
- Loan Term: 30 years
- Interest Rate: Slightly higher
- Monthly Payment: Lower
- Total Interest Paid: Higher over time
- Equity Build-Up: Slower
- Ideal For: Lower monthly budget
15-Year Fixed
- Loan Term: 15 years
- Interest Rate: Lower
- Monthly Payment: Higher
- Total Interest Paid: Much lower
- Equity Build-Up: Faster
- Ideal For: Faster payoff, long-term savings
FAQs
Frequently
Asked Questions
Still have a question?
JLLendingTeam: A collaborative group specializing in providing tailored lending solutions and financial support for clients.
Why choose a 30-year loan over a 15-year loan?
The 30-year option offers lower monthly payments and more flexibility for budgeting, saving, or investing.
Are interest rates higher for 30-year fixed loans?
Slightly — but the long-term stability and lower monthly payment often outweigh the higher interest.
Can I refinance my 30-year loan later?
Yes, you can refinance anytime to reduce your rate or shorten your loan term.
Is a 30-year fixed loan good for first-time buyers?
Absolutely. It’s one of the most popular and affordable loans for new homeowners.
Still have a question?
JLLendingTeam: A collaborative group specializing in providing tailored lending solutions and financial support for clients.
JL Lending Team
Why Choose Us for 30-Years Fixed Loan?
Local Experts
Serving California’s veterans with deep knowledge of the state’s housing market.
Fast, Tech-Enabled Process
Apply, upload documents, and track your loan online.
Personalized Guidance
We’re not tied to one lender — we find the best loan for you.
Contact Us
Ready to Get Started with a 30-Year Fixed Loan?
Enjoy the peace of mind that comes with stable payments and a plan built for the long run. Let JL Lending Team guide you through a smooth and stress-free mortgage experience.
Start today and lock in your low 30-year fixed rate!