Loan Choice Direct


	"This is a great site to compare mortgage loans and mortgage quotes. The service is great and easy application to follow." Stacy R., California

Fixed Rate Mortgage Loans

Fixed rate mortgage loans are for consumers who want financial consistency and stability. Your interest rate will not change over the life of the loan, unlike other adjustable mortgage loans that change in accordance with a market index. Loan Choice Direct (LCD) has many fixed rate options available and several of the most common ones are listed below:

1. New Home Loan
Your family has found the perfect home and now it is time to finder a lender. LCD will help you figure out how much you can afford by calculating your debt and other monthly expenses and subtracting them from your gross income. By submitting our quick and easy application, one of our mortgage specialists will be in contact with you to discuss which option is best for you.

	Save hundreds on your monthly payments.
	Receive up to 4 free quotes.
	We'll get the offers, you choose the terms.

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2. Refinance Your Current Mortgage
Refinancing allows homeowners to pay off an existing home loan with the proceeds of another loan using the same property as collateral. These loans are often easy to obtain and offer substantial savings to most homeowners by offering a lower rate that will in turn lead to lower monthly payments. Also, if you include debt consolidation, you can save even more money on your monthly bills by disposing of those high interest credit cards, student loans and/or car loans. To find out if you qualify for fixed rate refinancing, simply fill out our online mortgage application or give us a call.

3. Second Mortgage Loans / Home Equity Loans
Second Mortgages (also known as home equity loans) are secured against the same property as your primary mortgage and are based on the amount of equity (the difference between the market value of the property and any outstanding loan balance) you have. For example, if you own a home worth $100,000, and it does not have a lien (a form of security interest placed over real estate to secure the payment of a loan) on it, you may be eligible to take an equity loan at an 80% loan to value ratio (LTV), or $80,000 in cash in exchange for a lien on your home. If you have two properties, you can try to use the equity in both. Your household income could also determine how much money you will qualify for in comparison to the amount of equity you have on your home.

Fixed rate mortgages can be beneficial in many ways and are great for consumers who rely on a fixed income because there are no surprises with the monthly payments. Locking in a fixed rate can offer substantial savings over an adjustable rate mortgage, especially in times when the market index is high. LCD offers a variety of programs for our customers looking for a fixed rate and we offer a variety of loan terms to fit your needs.

We highly suggest you seek the advice of a qualified financial consultant before deciding on a fixed rate mortgage loan. A professional consultant is always available at Loan Choice Direct, so please call us (1-888-523-8523) today to find the best solution for your needs.

You can also apply with our quick and easy application and one of our financial consultants will get in touch with you shortly.


	Rates are the lowest they've been in close to 30 years. Refinance now to get a lower rate, save on your monthly payments and turn your adjustable into a fixed rate and get fast cash!

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