Lock In Your Rate—With a Fixed-Rate Mortgage
Enjoy steady monthly payments and long-term peace of mind.
A fixed-rate mortgage keeps your interest rate the same for the life of the loan—no surprises, no rate hikes.
What Is a Fixed-Rate Mortgage?
A fixed-rate mortgage is a home loan with an interest rate that stays the same for the entire term. Whether you choose 15, 20, or 30 years, your principal and interest payments won’t change—making it easier to budget over time.
Why Choose a Fixed Rate?
It’s ideal for buyers who plan to stay in their home long-term and want stability—especially when rates are still relatively low.
How It Works
Fixed-Rate Mortgage FAQs
Get answers to common questions about our insurance policies
Q:Will my monthly payment ever go up?
Only if taxes or insurance change. The loan’s principal and interest stay the same.
Q:Can I pay off the loan early?
Yes! Many lenders allow early payoff with no penalty.
Q:Can I pay off the loan early?
It depends. Fixed rates offer stability; ARMs may start lower but can rise.
About Us
At The Federal Savings Bank, we make home financing easy. Whether you're buying, refinancing, or just exploring options, we’re here to help. Located at 1150 South Ave, Suite 304B, Staten Island NY 10314, we offer competitive rates, great service, and a smooth and fast loan process from start to finish.
Company NMLS: 411500
Equal Housing Opportunity
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Disclosures and License Information
Texas Mortgage Disclosure: Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should contact the Texas Department of Savings and Mortgage Lending (SML). Visit [www.sml.texas.gov](https://www.sml.texas.gov) for instructions and to obtain a complaint form. Mailing Address: 2601 North Lamar, Suite 201, Austin, TX 78705 • Toll-Free: 1-877-276-5550 (Required per 7 TAC §80.200(b))