Fixed Rate Mortgages

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Love your home (and your rates!)

The Benefits of Fixed-Rate Home Loans

A Variety of Terms

10, 15, or 30-year terms available

Predictable Payments

A constant interest rate with low monthly payments that never change

Low Fees

1% origination fee plus closing costs

Options for Every Type of Borrower

We’ll help guide you to the right fixed-rate loan for your situation

A Variety of Terms

10, 15, or 30-year terms available

Predictable Payments

A constant interest rate with low monthly payments that never change

Low Fees

1% origination fee plus closing costs

Options for Every Type of Borrower

We’ll help guide you to the right fixed-rate loan for your situation

Bowater Fixed Rate Mortgages

Bowater 10 and 15-year mortgages are ideal for borrowers with a low loan-to-value ratio, such as those with a refinance.

Our 30-year fixed-rate mortgages are ideal for people who plan to stay in their homes for at least 7 to 10 years.

Happy couple shakes hands with bank manager on their mortgage loan

Apply Now

View Rates

Our Application Process is Simple and Convenient

Step

1

Pick the Mortgage to Meet Your Needs

We’ll help you navigate the available rates and payments.

Step

2

Complete Loan Application

Fill out our quick and easy online application.

Step

3

Get
Pre-Approved

Review and agree to your ARM loan amount, rates, and terms.

Apply Now

See Your Rate

★★★★★

“Great customer service. Always treated like they are glad I’m
there and so helpful.
”

– Tammy K

Fixed Rate Home Loan FAQ

Can I calculate my mortgage rate ahead of time?

Find out more about your estimated mortgage rate using our Mortgage Rate Calculator.

Mortgage Rate Calculator

When does a shorter loan term make sense?

While a shorter loan term can come with higher payments, it can save you money in the long term, because you pay less interest overall.

Shorter-term home loans can also be a good idea for existing homeowners who are refinancing for a lower interest rate.

Meet Our Team

BRADLEY ALEXANDER

NIKKI BLACK

Mortgage Loan Officer
NMLS# 2213649

Schedule Appointment Apply Now

Mortgage Loan Officer
NMLS# 1985165

Schedule Appointment Apply Now

More Loan Options

Adjustable Rate Home Mortgage

Enjoy a fixed rate for the first year or 7 years of your 30-year mortgage before switching to a variable rate for the rest of the life of the loan.

Learn More

Home Equity Line of Credit

Already own a home and need extra funds? If you’ve already built equity in your home, you can have access to cash when you need it.

Learn More

Mortgage Refinancing

Get a better interest rate or monthly payment and free up your money.

Learn More

*Plus closing costs