A conventional 30-year fixed rate mortgage features a steady interest rate throughout its lifetime. Spanning three decades, homeowners with this mortgage can look forward to consistent monthly payments for many years to come, which can provide peace of mind and help them budget their finances. A conforming 30-year fixed rate loan offers amounts up to $726,200 in most of the US and a maximum of $1,396,800 in high-cost areas.

30-year fixed rate mortgage

An adjustable rate mortgage (ARM) is a home loan with an interest rate that changes after a fixed amount of time—usually 5-7 years. Adjustable rate mortgages typically offer lower interest rates and lower monthly payments than a fixed rate mortgage. After the allotted time passes, the rate may adjust and your monthly mortgage payments will adjust accordingly.

Adjustable rate mortgage

A conventional 15-year fixed rate mortgage is similar to a 30-year fixed rate mortgage in many respects. A conforming 15-year fixed rate loan features a limit of $726,200 ($1,396,800 in high-cost areas) and a consistent rate throughout its lifetime, giving you secure and predictable monthly mortgage payments.

15-year fixed rate mortgage

A non-conforming jumbo mortgage can help you purchase a lot of real estate. This mortgage is needed for loan amounts over the conforming loan limit of $726,200 and $1,396,800 in high-cost areas. If you need to take out a loan over the conforming limit, a fixed or adjustable rate jumbo mortgage could be your ticket to a big and beautiful home.

Jumbo loan

OriginPoint

Origin Point

Kirkland

<footer class="footer-container">
          <div class="divider" ></div>
          <div class="links-container">
            <div class="social-container">
              <a href="/">
                <img
                  src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blt360f098438eed2a4/647fca2ab9e2d5fff3f17098/OpLogo.png"
                  alt="Logo for Origin Point, a Guaranteed Rate Company"
                  width="120"
                  height="46"
                />
              </a>
              <div class="social-links">
                <a href="https://www.facebook.com/OriginPoint-101569575528101"><i data-testid="font-icon" class="rc-font-icon font-icons-social-facebook " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
                <a href="https://www.instagram.com/originpointofficial/"><i data-testid="font-icon" class="rc-font-icon font-icons-social-instagram " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
                <a href="https://www.linkedin.com/company/origin-point"><i data-testid="font-icon" class="rc-font-icon font-icons-social-linkedin " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
                <a href="https://x.com/originpoint"><i data-testid="font-icon" class="rc-font-icon font-icons-social-twitter " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
              </div>
            </div>
            <div class="link-columns">
              <div class="column">
                <div class="column-label">YOUR MORTGAGE</div>
                <a href="https://apply.originpoint.com/ " data-ya-track="link#">Apply Now</a>
                <a href="https://login.originpoint.com/" data-ya-track="link#">Sign in to your account</a>
              </div>
              <div class="column">
                <div class="column-label">LENDING OPTIONS</div>
                <a href="https://www.originpoint.com/mortgage-calculators " data-ya-track="link#">Mortgage Calculators</a>
                <a href="https://branches.originpoint.com/" data-ya-track="link#">Branches near You</a>
                <a href="https://www.originpoint.com/resources " data-ya-track="link#">Resources</a>

              </div>
              <div class="column">
                <div class="column-label">COMPANY</div>
                <a href="https://www.originpoint.com/about-us" data-ya-track="link#">About Us</a>
                <a href="https://www.originpoint.com/contact-us" data-ya-track="link#">Contact Us</a>
                <a href="https://www.originpoint.com/newsroom" data-ya-track="link#">Newsroom</a>
              </div>
              <div class="column">
                <div class="column-label">LEGAL</div>
                <a class="Footer-link" href="https://www.originpoint.com/accessibility" data-ya-track="link#">Accessibility</a>
                <a class="Footer-link" href="https://www.originpoint.com/privacy" data-ya-track="link#">Privacy Policy</a>
                <a class="Footer-link" href="https://www.originpoint.com/licensing" data-ya-track="link#">Licensing</a>
                <a class="Footer-link" href="https://www.originpoint.com/terms" data-ya-track="link#">Terms of Use</a>
                <a class="Footer-link" href="https://www.originpoint.com/notice-to-vendor" data-ya-track="link#">Notice to Vendors</a>
                <a class="Footer-link" href="https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2185899" data-ya-track="link#">NMLS Consumer Access</a>
              </div>
            </div>
          </div>
          <div class="divider" ></div>
          <div class="copyright-container">
            <a href="https://www.originpoint.com/texas-consumers-how-to-file-complaint">Texas consumers: How to file a complaint</a> | <a href="https://privacyportal.onetrust.com/webform/168096e5-faa8-4fdd-a479-992231adbdc1/ea4d11b5-0423-4ec7-894a-c4212bb94282">Do Not Sell or Share My Personal Information and/or Limit the Use of My Sensitive Personal Information</a>
            <div class="equal-housing-logo">
              <img
                src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blt68793b15ca6d9344/647fc755afde2a6be3981913/equalHousingLenderOP.png"
                alt="Equal Housing Lender"
                width="150"
                height="25"
              />
            </div>
            <p>Copyright © 2021-2025 OriginPoint LLC. All rights reserved.<br />
              NMLS License #2185899 - For licensing information, go to: <a href="https://www.nmlsconsumeraccess.org">www.nmlsconsumeraccess.org</a><br />
              Arizona Mortgage Banker License #1038328<br />
1800 W. Larchmont Avenue, Suite 305, Chicago, IL 60613, 855-997-6468<br />
              This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in New York will be accepted through this site.
            </p>
            <p>Operating in the state of California as OriginPoint Mortgage LLC in lieu of the legal name OriginPoint LLC.</p>
            <p>If you are a California resident, please review our Privacy Policy to learn more about the categories and business purpose of personal information we may collect and your right to opt-out from the sale of personal information.</p>

          </div>
        </footer>

2 Mortgage Lenders Kirkland, WA