Fixed interest rates are at their lowest in recent decades, and homebuyers are taking full advantage. Perhaps one of the more popular loan options, the 30-year fixed rate mortgage is a great option for many individuals and families in California. If you are planning on settling down and staying in the home you’re purchasing for years to come, then a 30-year loan isn’t out of the question.While there are other loan options provided through HMS Capital Funding, there are several aspects of this specific loan option that appeal to the average homebuyer. Depending on several factors including one’s monthly income and financial situation, a 30-year fixed rate might offer homebuyers the longevity, stability, and predictability that they need to finally settle down. Here are some of the benefits of a 30-year fixed rate loan:

Predictable Monthly Payment and Unchanging Interest Rate

As previously mentioned, one of the most attractive qualities of a 30-year fixed rate mortgage is that the monthly payment is steady and predictable, and the interest rate never changes—even if the market does. If a predictable monthly payment gives you peace of mind, then this loan might be the right option for you.

Lower Monthly Payments

At HMS Capital Funding, what we tend to hear most from our clients is that they need a manageable, low monthly payment when it comes to their mortgage. We can help you decide whether a 30-year fixed rate mortgage can offer you the low monthly payment you need in order to become a successful homeowner. In fact, we offer this loan as an option knowing that it can benefit the majority of our applicants.


  • No credit report fees
  • No Appraisal Fees

*Rates subject to change without notice

Reduced Financial Burden

A 30-year fixed rate mortgage includes predictable, low payments; this translates into a scenario that allows many Americans the opportunity to participate in the housing market. With ongoing credit-card and student loan debt, reducing one’s financial burden by choosing a longer loan period can make a huge difference in financial comfort overall. At HMS Capital Funding, we believe that you shouldn’t have to sacrifice in other areas of your life to become a homeowner.

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.