Steady and predictable
A payment you can plan around
A 30-year fixed-rate mortgage keeps the same interest rate for the life of the loan, so your principal and interest payment stays the same from the first month to the last. It is the most popular home loan in the country for a reason: it spreads repayment over a long period, which keeps the monthly payment more manageable for many households.
As an independent Denver mortgage broker, Luna Lending compares 30-year fixed options from multiple wholesale lenders, so you can see how pricing, fees and terms stack up side by side before you choose.
Get Started
Is a 30-year fixed right for you?
Here’s how it can help
You plan to stay a while
A fixed rate can make sense if you expect to keep the home for many years and value long-term stability.
You want budget certainty
Your principal and interest payment will not change, even if market rates rise. Taxes and insurance can still change over time.
You want flexibility
Many 30-year loans allow extra principal payments, so you can pay down the balance faster when it suits you. Ask about any prepayment terms.
How it works with Luna Lending
Tell us your goals
Share what you are looking for and a little about your situation.
We shop multiple lenders
As an independent broker, we compare programs and pricing from multiple wholesale lenders.
Compare your options
We walk you through rates, costs and terms side by side, in plain language.
Close with confidence
We stay in touch from application to closing, with clear updates along the way.
Good to know
Questions we hear often
Fixed vs. adjustable
An adjustable-rate mortgage (ARM) may start with a lower rate but can change after the initial period. We can compare both so you can weigh the trade-offs.
Total interest
A longer repayment period generally means more total interest paid over the life of the loan than a shorter term.
Program options
30-year fixed terms are available on conventional, FHA, VA, USDA and many jumbo loans.
Refinancing later
If rates or your goals change, a refinance may be an option down the road. Refinancing has its own costs and qualification requirements.
Get ready
Let Luna Lending guide you home
Talk with a local Denver mortgage broker about your options. No pressure, just clear answers.
Get StartedThis page is for general educational purposes only and is not a commitment to lend or an offer of credit. Loan approval, rates, terms and program availability depend on credit, income, assets, property type and underwriting review, and may change without notice. Luna Lending Inc. | NMLS #2032089 | 1900 Grant St. Ste 1150, Denver, CO 80203 | 720-594-6585 | Licensed in CA, CO, NC and NV. Equal Housing Opportunity.