Secure Your Financial Future with Fixed Rate Mortgages
Your dream home deserves financing that works as hard as you do. Sunmark's fixed rate mortgages give you the stability and predictability you need to confidently plan your financial future. Whether you're buying your first home, upgrading to accommodate your growing family, or refinancing to secure better terms, our fixed rate mortgages offer the peace of mind that comes with knowing exactly what your monthly (principal and interest) payments will be for the life of your loan.With Sunmark, you're not just getting a mortgage - you're getting a partnership built on trust, community commitment, and our mission to help you achieve your financial goals.
Key Benefits:
- Predictable (principal and interest) payments that never change throughout your term
- Competitive rates based on your creditworthiness
- Flexible terms available in 15-year and 30-year options
- Local expertise from mortgage professionals who know the New York market
- Quick decisions with streamlined application and approval process
Current Mortgage Rates
View All Rates15-Year Fixed Rate Mortgage
5.717
%
APR
20-Year Fixed Rate Mortgage
5.796
%
APR
30-Year Fixed Rate Mortgage
6.009
%
APR
Fixed Rate Mortgage Questions
Get answers to common questions about Sunmark's fixed rate mortgages and discover why they're the bright choice for your home financing needs.A fixed rate mortgage locks in your interest rate for the entire loan term, meaning your monthly principal and interest payments stay the same. This provides predictable budgeting and protection from rising interest rates, unlike adjustable-rate mortgages where rates can change over time.
Sunmark offers 5, 7, 10, 15, 20, and 30-year fixed rate mortgage terms. The 30-year option provides the lowest monthly payment with maximum interest deduction benefits. The 20-year mortgage offers lower payments than 15-year terms while still reducing total interest paid. Shorter terms like 10, 7, and 5-year options are ideal for those with large down payments who want to build equity quickly.
Qualification is based on your credit history, income, debt-to-income ratio, and employment stability. You must also be eligible for Sunmark membership, which includes living, working, or owning a business in our service area, or being employed by one of our Community Business Partners.
Sunmark is committed to transparent lending with competitive fees. We'll provide a detailed breakdown of all costs upfront so there are no surprises. Contact our mortgage team for specific fee information based on your loan scenario.
Yes! Refinancing with Sunmark can help you secure a lower interest rate, switch from an adjustable to fixed rate, or change your loan term. Our mortgage professionals can help you determine if refinancing makes financial sense for your situation.
Your Dedicated Mortgage Professionals
Work directly with our experienced mortgage team who specialize in fixed rate mortgages and understand your unique needs.
