Conventional Fixed-Rate Mortgage

What is a Conventional Fixed-Rate Mortgage Loan?

You keep the same interest rate for the life of the loan in a fixed-rate mortgage. Choose from 30, 20, 15 and 10 year terms to ensure a monthly payment that fits your budget.

Is a Fixed-Rate Mortgage right for me?

A conventional fixed-rate mortgage is the option for you if you appreciate the stability that comes with a steady monthly payment. Having a fixed rate is perfect if you have a firm budget and are expecting to stay in your home for quite some time. The predictable payments will give you peace of mind knowing exactly how much you’ll be paying each month. You’ll be able to know exactly how much interest you will pay over the life of your loan.

Get the home of your dreams! With a conventional fixed-rate mortgage from Mainstreet, we strive to provide:

No prepayment penalty

Competitive interest rates

Fees $500 less than competitors on average because we process and close our own loans

Local and personal service because we don’t sell our conventional loans

View our loan rates >

Estimate your savings with our financial calculators >

Apply now!

We make the home buying process as simple and convenient as possible. You can track and check your mortgage Online so you’re always up to date with your account. Apply Online today!

How to apply

Applying for a conventional fixed-rate mortgage is easy! We know you have places to be, so we make applying for a Mainstreet loan as convenient as possible. You can apply Online anytime from your phone or computer or you can always stop in and talk with us at any Mainstreet location.

Apply 24/7 Online at or dial 1.888.395.1010 during normal business hours. To make your loan application even easier, have employment information, income and social security numbers of all applicants handy.

Apply now!