Fixed Rate Mortgages in Tampa
Secure, Reliable Home Financing in Florida
Looking for a mortgage that offers long-term stability and peace of mind? A fixed-rate mortgage in Tampa from The Associates Home Loan of Florida, Inc. could be your perfect fit. With steady monthly payments and no surprises, fixed-rate mortgages provide clarity for first-time homebuyers, real estate investors, and anyone seeking consistent Florida mortgage rates.
At Associates Home Loan, we help you lock in a competitive mortgage or refinance rate, even if your financial history or credit score is less than perfect.
Benefits
- Lower monthly payments than a 15 year fixed rate mortgage
- Interest rate does not go up if interest rates go up
- Payment does not go up, it stays the same for 30 years
Drawbacks
- Higher interest rate than a 15 year fixed rate mortgage
- Interest rate stays the same even if interest rates go down
A 15 year fixed rate mortgage allows you to pay off your loan quicker and lock into an attractive lower interest rate.
Benefits
- Lower interest rate
- Build equity faster
- If interest rates go up, yours is fixed
Drawbacks
- Higher monthly interest rate stays the same if interest rates go down
- Interest rate stays the same even if interest rates go down
Why Choose a Fixed Rate Mortgage?
A fixed-rate mortgage means your interest rate stays the same throughout the life of your loan. No matter how the market shifts or any fluctuating current interest rates, your monthly mortgage payments remain predictable. That makes budgeting easier, especially in a fluctuating economy.
Whether you’re purchasing a primary residence, refinancing your current loan, or investing in a single-family home for rental purposes, our Tampa-based team helps you get the deal that fits your goals.
Fixed Rate Mortgages Designed for the Florida Lifestyle
Unlike traditional banks, Associates Home Loan specializes in helping borrowers who don’t fit the conventional mold. If you’re self-employed, recovering from bankruptcy, or have unique income documentation, our loan programs are designed to work for you.
We proudly serve:
- First-time homebuyers
- Self-employed borrowers
- Real estate investors
- Individuals with low credit scores
- Clients who have experienced foreclosure or financial hardship
- Borrowers who need fast answers and flexible underwriting
All loans are secured by Florida real estate, and our streamlined process ensures fast decisions, straightforward terms, and no wasted time.
Fixed Rate Refinance Loan Options From a Trusted Florida Mortgage Lender
Already own a home? Refinancing into a fixed-rate mortgage can save you thousands over time, especially if you’re switching from an adjustable-rate mortgage or locking in a lower interest rate while rates are still competitive.
When you refinance with Associates Home Loan, you can:
- Lock in a lower rate
- Reduce your monthly payment
- Convert equity into cash for renovations or investment
- Replace a balloon or interest-only loan with a long-term fixed solution
We offer fixed-rate refinance loans to homeowners in the Tampa Bay area and across Florida who want to improve their financial picture and eliminate uncertainty.
Loan & Mortgage Types
Associates Home Loan offers a variety of loan types and mortgage options to meet your needs, including:
- Conforming loans up to the standard conforming loan limit
- Jumbo loans for high-value properties
- FHA loans, backed by the Federal Housing Administration
- VA loans for veterans and active service members
- USDA loans for eligible rural areas
Second mortgages & home equity loans
All loans include transparent lender fees, competitive annual percentage rates, and honest communication from start to finish.
Compare Mortgage Rates Today in the Sunshine State
Florida mortgage rates can change daily, and the best way to get a customized rate so you can save thousands of dollars is to speak with a local expert. Our Tampa office serves borrowers throughout the Sunshine State.
We consider:
- Credit score
- Property value
- Loan amount
- Loan terms
- Down payment and equity position
- Income type (including self-employed borrowers)
The loan specialists at Associates Home Loan are here to help you meet qualification requirements, understand your mortgage options, and choose the best deal based on your unique profile.
Get Started with Home Lending From The Associates Home Loan of Florida, Inc., Today—Apply Now!
When most traditional banks look for reasons to turn you down, we look for a way to say yes. Our underwriting is based on equity and common sense, not just your credit score.
With Associates Home Loan, you’re getting a partner who:
- Specializes in real estate-backed lending
- Offers solutions for credit-challenged and nontraditional borrowers
- Moves quickly to close deals without weeks of red tape
- Is licensed exclusively in Florida—we know this market inside and out
If you’re ready to secure a fixed-rate mortgage in Tampa, FL, don’t wait. Skip the multiple lender search, and let Associates Home Loan of Florida help you lock in a stable rate and move forward with a payment plan you can count on.
Call us today at (813) 993-0610 or apply online to explore current mortgage rates with a licensed Florida mortgage lender who understands your needs.
Recently Closed Loans
| Credit Score | LTV | Loan Amount |
|---|---|---|
| 572 | 55% | $115,000 |
| Credit Score | LTV | Loan Amount |
|---|---|---|
| 452 | 57% | $335,000 |
| 495 | 17% | $30,000 |
| 522 | 38% | $85,000 |
| None | 36% | $145,000 |
| Credit Score | LTV | Loan Amount |
|---|---|---|
| 517 | 20% | $30,000 |
| 626 | 12% | $40,000 |
| Credit Score | LTV | Loan Amount |
|---|---|---|
| 591 | 53% | $285,000 |
| 727 | 60% | $575,000 |
| Credit Score | LTV | Loan Amount |
|---|---|---|
| 645 | 42% | $1,750,000 |
FAQs About Fixed Rate Mortgage Tampa
Yes. At Associates Home Loan, we work with borrowers who have experienced credit challenges, including bankruptcy, foreclosure, or low credit scores. If your property is located in Florida, we may be able to help you secure a loan.
A fixed-rate mortgage has the same interest rate for the life of the loan. An adjustable-rate mortgage (ARM) may start with a lower rate, but it can increase over time. Fixed-rate mortgages offer long-term stability, while ARMs involve more risk.
Yes. Refinancing into a fixed-rate refinance loan is a smart way to lock in a stable monthly payment and avoid future rate hikes. We can help you assess if it makes financial sense based on current market conditions.
Down payment requirements vary based on loan type. For example, FHA loans typically require as little as 3.5% down, while conventional loans may require more. We’ll help you understand your options.
Yes. While our office is located in Tampa, we provide fixed-rate mortgage loans throughout Florida based on the average mortgage rates available. As long as your property is in Florida, you’re eligible to apply.
