Fixed-Rate Mortgage

At HomeBound Lending, we understand the importance of choosing a loan that supports your long-term plans. That’s why we offer consistent repayment structures that protect you from changing interest conditions over time—helping you plan your budget with peace of mind.

Whether you’re a first-time buyer or looking to refinance your current mortgage, our dependable loan options offer the clarity and reliability California homeowners deserve.

Why Choose a Fixed-Rate Loan?

• Predictable Monthly Payments – Your principal and interest remain unchanged
• Protection from Rate Changes – Your interest rate remains locked for the full term
• Term Options Available – Choose a repayment period that fits your goals
• Applicable to Most Loan Programs – Available with conventional, FHA, VA, and other options

Ideal for:

• California homebuyers who want stable monthly payments

• Homeowners seeking to avoid future payment increases

• Borrowers with long-term plans to stay in their home

What You’ll Need:

To apply through HomeBound Lending, you’ll generally need:

• Government-issued ID and Social Security number

• Income documentation (pay stubs, W-2s, or tax returns)

• Bank statements or other asset documentation

• Credit history that meets program requirements

• Debt-to-income ratio within program limits

We ensure every loan meets California lending regulations and consumer protection standards. Our team works closely with you throughout the process to make sure everything is clear, compliant, and stress-free.