The 20 Year Fixed rate mortgage provides an attractive blend of offering a lower rate when compared to the 25 & 30 Year Fixed Rate mortgage while offering a lower payment when compared to the 10 & 15 Year Fixed Rate Mortgage.  The 20 Year Fixed Rate Mortgage also provides you with the ability of saving tens of thousands of dollars in interest when compared to the 25 & 30 Year Fixed rate mortgage.

Like all of our other fixed rate mortgages, this program also offers the safety of a fixed rate for the life of the loan.  It has similar benefits when compared to the 25 & 30 Year Fixed Rate mortgage but with one big difference of paying off your home 5 to 10 years sooner.

The 10 & 15 year mortgage offer a greater “bang for the buck” by providing a greater principal reduction each time you make a mortgage payment. You can save tens of thousands of dollars in interest while enjoying the safety of a fixed rate.

  • Do you like the idea of paying off your home 5 to 10 years sooner? 
  • Are you looking for the comfort and security of a fixed rate for the life of the loan?
  • Do you want more a greater percentage of your monthly payment each month to be applied to principal versus interest when compared to a 25 or 30 year fixed rate mortgage?

If you answered yes to any of these questions we believe that the 20 year fixed rate is worth exploring and may be the perfect loan for you!

Why not call or email us for additional information at 732-988-5000 x202 or akelly@theloantree.com. Or you can click here MORE INFORMATION and we will respond to your request as soon as possible.


We also have custom tailored fixed rate loan programs known as our YOURgage program that range in term from 10 to 30 years in 12 month increments to provide you with the exact term and monthly payment to fit your budget.  Also, don’t forget to ask us about our super low rate 5/1 & 7/1 ARM programs as well.