Determining the type of loan option you select may depend heavily on several factors, including monthly income and the overall amount of the loan. It is essential that you feel comfortable with the options available to you and you feel well-informed before settling on a choice. Since this can be a tricky process and financial endeavors can be complicated, especially in California, it’s best to have the help of professionals while exploring your options.At HMS Capital Funding, we focus on the best interest of our clients—we not only think of their current financial status, but what their hopes are for the future. A 15-year fixed-rate loan is an option that is beneficial for some homebuyers, but not all. Here are some of the advantages to choosing a 15-year fixed rate mortgage.
Lowest Amount of Interest PaidIn a 15-year fixed rate mortgage scenario, the loan accumulates interest over a shorter amount of time, leaving the recipient with an overall lower amount of money spent toward interest when the loan period ends. While this is an excellent way to increase your equity in your home quicker, it might not be feasible for every individual financial situation. The experts at HMS Capital Funding can help you learn more about whether a 15-year fixed rate mortgage will be beneficial for you.

Fixed Rate and Monthly Payment

Another added bonus of a 15-year fixed rate loan is that you can look forward to the security and predictability of a fixed monthly payment and fixed interest rate that never fluctuates. The stability of a fixed rate loan is a highly attractive factor for potential homebuyers, as it’s easier to determine the financial comfortability long-term based on one’s income.


  • No Credit report fees
  • No Appraisal Fees

*Rates subject to change without notice

Shorter Loan Period

As previously mentioned, 15-year fixed rate mortgages are one of the shortest loan periods available to homebuyers. By steadily paying down your mortgage, after only 15 years you will have paid off your house entirely! This ultimate financial freedom is what many Americans hope for in their lifetime, and a 15-year loan could be right for you. Investing in a home can be taxing—allow HMS Capital Funding to help.

HMS Capital Funding a dba of Golden Empire Mortgage, Inc. #2427; NMLS ID: #1887548, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.