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

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

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 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

FHA home loans are mortgages insured by the federal government through the Federal Housing Administration (FHA), a branch of the Department of Housing and Urban Development. FHA home loans reduce the barrier to entry for homebuyers and refinancers by featuring low down payments, flexible credit requirements and more purchase power. If funds are limited, an FHA home loan can help you finance more than 80% of your home value.

FHA Loan

The US Government's VA loans program helps veterans, active-duty service members and their families qualify for a home loan. Though they are issued by private lenders like Proper Rate, VA home loans are backed by the US Department of Veterans Affairs. Created during World War II to help returning service men and women purchase homes, this program has guaranteed over 22 million VA loans since 1944.

VA home loan

KBHS Home Loans

Tampa

<footer class="kbhs-footer">
        <div class="kbhs-inner">
          <div class="kbhs-row kbhs-footer-top">
              <div class="kbhs-footer-logo-container"><a href="/" class="kbhs-footer-logo"><img src="https://images.contentstack.io/v3/assets/bltbb12f746c5a4cc8e/bltaa59c91e5b804d8f/660c78de6ccdb820daa4f491/kbhs-white-logo.png" alt="KBHS Home Loans"></a></div>
              <div class="kbhs-footer-contact-container">
                <div class="kbhs-footer-contact">
                    <p class="kbhs-u-uppercase kbhs-u-headline">CONTACT US, WE ARE READY TO HELP</p>
                    <a class="kbhs-footer-contact-link kbhs-footer-contact-link--phone kbhs-u-headline" href="tel:855378-6625">
                      <i
                        data-testid="font-icon"
                        class="kbhs-rc-font-icon rc-font-icon font-icons-phone"
                        aria-hidden="true"
                        style="font-size: 1.25rem"
                        data-reactroot=""
                      >
                      </i>                                            
                      (855) 378-6625
                    </a>
                    <a class="kbhs-footer-contact-link kbhs-footer-contact-link--email kbhs-u-headline" href="mailto:info@kbhshomeloans.com" target="_blank">
                      <i
                        data-testid="font-icon"
                        class="kbhs-rc-font-icon rc-font-icon font-icons-mail"
                        aria-hidden="true"
                        style="font-size: 1.25rem"
                        data-reactroot=""
                      >
                      </i>                      
                      Email us now
                    </a>                    
                </div>
              </div>
          </div>
          <div class="kbhs-footer-middle kbhs-footer--desktop">
            <div class="kbhs-footer-middle-col">
              <ul class="kbhs-footer-menu">
                <div class="kbhs-col">
                  <li><a href="/find-a-loan-officer/" class="kbhs-footer-menu-link">Find a loan officer</a></li>
                  <li><a href="/purchasing-a-home/" class="kbhs-footer-menu-link">Purchase a home</a></li>
                  <li><a href="/purchasing-a-home/conventional-loans/" class="kbhs-footer-menu-link">Conventional home loan</a></li>
                  <li><a href="/purchasing-a-home/down-payment-assistance/" class="kbhs-footer-menu-link">Down payment assistance</a></li>
                  <li><a href="/purchasing-a-home/fha/" class="kbhs-footer-menu-link">FHA loan option</a></li>
                </div>
                <div class="kbhs-col">
                  <li><a href="/purchasing-a-home/jumbo/" class="kbhs-footer-menu-link">Jumbo loan</a></li>
                  <li><a href="/purchasing-a-home/rural-housing/" class="kbhs-footer-menu-link">USDA home loan</a></li>
                  <li><a href="/purchasing-a-home/va/" class="kbhs-footer-menu-link">VA home loan</a></li>
                  <li><a href="/learning-center/" class="kbhs-footer-menu-link">Learning center</a></li>
                  <li><a href="/licensing/" class="kbhs-footer-menu-link">Licensing information</a></li>             
                </div>
                <div class="kbhs-col">
                  <li><a href="/terms-of-use/" class="kbhs-footer-menu-link">Terms of use</a></li>
                  <li><a href="/accessibility/" class="kbhs-footer-menu-link">Accessibility</a></li>
                  <li><a href="/privacy/" class="kbhs-footer-menu-link">Privacy center</a></li>
                  <li><a href="/about-us/" class="kbhs-footer-menu-link">About KBHS Home Loans</a></li>
                  <li><a href="/job-openings/" class="kbhs-footer-menu-link">Job Openings</a></li>
                </div>
                <div class="kbhs-col">
                  <li><a href="/contact-us/" class="kbhs-footer-menu-link">Contact us</a></li>
                  <li><a href="/flashclose/" class="kbhs-footer-menu-link">FlashClose℠</a></li>
                  <li><a href="https://login.kbhshomeloans.com/" class="kbhs-footer-menu-link">Log In</a></li>     
                </div>
              </ul>                          
            </div>
      
            
          </div>
          <div class="kbhs-footer--mobile kbhs-footer-mobile-menu">      
            <ul class="kbhs-footer-menu">
              <li><a href="/find-your-loan-officer/" class="kbhs-footer-menu-link">Find your loan officer</a></li>
              <li><a href="/purchasing-a-home/" class="kbhs-footer-menu-link">Purchase a home</a></li>
              <li><a href="/purchasing-a-home/down-payment-assistance/" class="kbhs-footer-menu-link">Down payment assistance</a></li>
              <li><a href="/learning-center/" class="kbhs-footer-menu-link">Learning center</a></li>
              <li><a href="/licensing/" class="kbhs-footer-menu-link">Licensing information</a></li>
              <li><a href="/terms-of-use/" class="kbhs-footer-menu-link">Terms of use</a></li>
              <li><a href="/accessibility/" class="kbhs-footer-menu-link">Accessibility</a></li>
              <li><a href="/privacy/" class="kbhs-footer-menu-link">Privacy center</a></li>
              <li><a href="/about-us/" class="kbhs-footer-menu-link">About KBHS Home Loans</a></li>
              <li><a href="/job-openings/" class="kbhs-footer-menu-link">Job Openings</a></li>
              <li><a href="/contact-us/" class="kbhs-footer-menu-link">Contact us</a></li>
              <li><a href="/applicant-login/" class="kbhs-footer-menu-link">Log In</a></li>
            </ul>
      
          </div>
          <div class="kbhs-footer-bottom kbhs-row">
            <div class="kbhs-col col-12 kbhs-u-textRight">
              <div class="kbhs-mobile-only kbhs-u-textLeft">
                <h6 class="kbhs-neattext">Connect with us</h6>
      
                <ul class="kbhs-neat">
                  <li><a href="https://www.facebook.com/KBHS-Home-Loans-460886200946645" target="_blank"><img alt="Facebook" border="0" height="38" src="https://images.contentstack.io/v3/assets/bltbb12f746c5a4cc8e/blt40ae97366962bd47/660c78a2c8592ee3676f305d/kbhs-facebook.png"> </a></li>
                  <li style="padding-top: var(--space-xy-xxxSmall-rem)"><a href="https://twitter.com/KBHSHomeLoans" target="_blank"><img alt="Twitter" border="0" height="30" src="https://images.contentstack.io/v3/assets/bltbb12f746c5a4cc8e/bltb91124038ede89dd/661d45caba184744419b8f97/kbhs-x.svg"> </a></li>
                  <li><a href="https://www.youtube.com/channel/UCGByxEHNkBSiVqIPybXfGqw" target="_blank"><img alt="YouTube" border="0" height="38" src="https://images.contentstack.io/v3/assets/bltbb12f746c5a4cc8e/blt2fe61c404939346c/660c78b14d880a71fcd2fccf/kbhs-youtube.png"> </a></li>
                  <li><a href="https://www.linkedin.com/company/24797233" target="_blank"><img alt="LinkedIn" border="0" height="38" src="https://images.contentstack.io/v3/assets/bltbb12f746c5a4cc8e/bltc6f6948c464048da/660c78ba407aec32ac6c5dbd/kbhs-linkedin.png"> </a></li>
                </ul>
      
                <p>
                  <p class="kbhs-kbhs--mobile">KBHS Home Loans, LLC, NMLS 1542802.</p>
                  For licensing information, go to:&nbsp;<a href="https://www.nmlsconsumeraccess.org/" target="_blank">www.nmlsconsumeraccess.org</a>.&nbsp;
                </p>
      
                <p>&nbsp;</p>
                <img alt="equal-housing-lender.png" src="https://images.contentstack.io/v3/assets/bltbb12f746c5a4cc8e/bltfb8d86c42e61ddc1/660c78cb04d34c79b8bdaadd/kbhs-equal-housing-lender.png" style="width: 150px; height: 41px;" title="equal-housing-lender.png">
                <p>Headquarters: 300 East Royal Lane, Suite 250, Irving, TX 75039 -&nbsp;(855) 378-6625</p>
                <p>This is not an offer for the extension of credit or a commitment to lend.&nbsp;Program restrictions apply. KBHS Home Loans, LLC policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race, color, religion, national origin, age (provided the applicant or borrower has legal capacity to enter into a binding contract), sex, marital status, disability familial status, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act, or any other prohibited basis identified under state law. KB Home and KBHS Home Loans, LLC share common ownership and because of this relationship may receive a financial or other benefit. You are not required to use both KB Home and KBHS Home Loans, LLC as a condition of settlement on your loan or for purchase or sale of any real estate.</p>
      
                <p><br>
                  This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.<br>
                  <br>
                  Arizona Mortgage Banker License #939988</p>
      
                <p>&nbsp;</p>
      
                <p><a href="/accessibility/">Accessibility</a> | <a href="/licensing/">Licensing</a>&nbsp;| <a href="/notice-to-vendor/">Notice to Vendors</a> |&nbsp;<a href="/privacy/">Privacy Center</a>&nbsp;|&nbsp;<a href="/privacy/privacy-policy/" name="Privacy Policy" target="_blank" title="Read our Privacy Notice">Privacy Policy</a>&nbsp;| <a href="/sms-terms/">SMS Terms</a>&nbsp;| <a href="/terms-of-use/">Terms of Use</a>&nbsp;| <a href="https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1542802" target="_blank">NMLS Consumer Access</a>&nbsp;|&nbsp;<a href="/texas-consumers/">Texas Consumers: How to file a complaint</a></p>
      
                <p><a fhref="https://privacyportal.onetrust.com/webform/168096e5-faa8-4fdd-a479-992231adbdc1/3ac56243-7019-4f38-814b-d4957155a96b">Do Not Sell or Share My Personal Information and/or Limit the Use of My Sensitive Personal Information</a></p>
      
                <p>&nbsp;</p>
      
              </div>
            </div>
            <div class="kbhs-col kbhs-col-12 kbhs-desktop-only">
              <h6 class="kbhs-neattext">Connect with us</h6>
      
              <ul class="kbhs-neat">
                <li><a href="https://www.facebook.com/KBHS-Home-Loans-460886200946645" target="_blank"><img alt="Facebook" border="0" height="38" src="https://images.contentstack.io/v3/assets/bltbb12f746c5a4cc8e/blt40ae97366962bd47/660c78a2c8592ee3676f305d/kbhs-facebook.png"> </a></li>
                <li style="padding-top: var(--space-xy-xxxSmall-rem)"><a href="https://twitter.com/KBHSHomeLoans" target="_blank"><img alt="Twitter" border="0" height="30" src="https://images.contentstack.io/v3/assets/bltbb12f746c5a4cc8e/bltb91124038ede89dd/661d45caba184744419b8f97/kbhs-x.svg"> </a></li>
                <li><a href="https://www.youtube.com/channel/UCGByxEHNkBSiVqIPybXfGqw" target="_blank"><img alt="YouTube" border="0" height="38" src="https://images.contentstack.io/v3/assets/bltbb12f746c5a4cc8e/blt2fe61c404939346c/660c78b14d880a71fcd2fccf/kbhs-youtube.png"> </a></li>
                <li><a href="https://www.linkedin.com/company/24797233/" target="_blank"><img alt="LinkedIn" border="0" height="38" src="https://images.contentstack.io/v3/assets/bltbb12f746c5a4cc8e/bltc6f6948c464048da/660c78ba407aec32ac6c5dbd/kbhs-linkedin.png"> </a></li>
              </ul>
      
              <p>KBHS Home Loans, LLC, NMLS 1542802.</p>
              <p>
                For licensing information, go to:&nbsp;<a href="https://www.nmlsconsumeraccess.org/" target="_blank">www.nmlsconsumeraccess.org</a>.
              </p>
      
              <p>&nbsp;</p>
              <img alt="equal-housing-lender.png" src="https://images.contentstack.io/v3/assets/bltbb12f746c5a4cc8e/bltfb8d86c42e61ddc1/660c78cb04d34c79b8bdaadd/kbhs-equal-housing-lender.png" style="width: 150px; height: 41px;" title="equal-housing-lender.png">
              <p>Headquarters: 300 East Royal Lane, Suite 250, Irving, TX 75039 -&nbsp;(855) 378-6625</p>
              This is not an offer for the extension of credit or a commitment to lend.&nbsp;Program restrictions apply. KBHS Home Loans, LLC policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race, color, religion, national origin, age (provided the applicant or borrower has legal capacity to enter into a binding contract), sex, marital status, disability familial status, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act, or any other prohibited basis identified under state law. KB Home and KBHS Home Loans, LLC share common ownership and because of this relationship may receive a financial or other benefit. You are not required to use both KB Home and KBHS Home Loans, LLC as a condition of settlement on your loan or for purchase or sale of any real estate.
      
              <p class="kbhs-at-element-marker">This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.<br>
                <br>
                Arizona Mortgage Banker License #0939988</p>
      
              <p>&nbsp;</p>
      
              <p><a href="/accessibility/">Accessibility</a> | <a href="/licensing/">Licensing</a>&nbsp;| <a href="/notice-to-vendor/">Notice to Vendors</a> |&nbsp;<a href="/privacy/">Privacy Center</a>&nbsp;|&nbsp;<a href="/privacy/privacy-policy/" name="Privacy Policy" target="_blank" title="Read our Privacy Notice">Privacy Policy</a>&nbsp;|&nbsp;<a href="/privacy-policy-center/#californiaresidents" name="Privacy Notice - CCPA" target="_blank" title="Read our Privacy Notice - CCPA">CCPA Privacy Policy</a>&nbsp;| <a href="/sms-terms/">SMS Terms</a>&nbsp;| <a href="/terms-of-use/">Terms of Use</a>&nbsp;| <a href="https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1542802" target="_blank">NMLS Consumer Access</a>&nbsp;|&nbsp;<a href="/tx-consumers/">Texas Consumers: How to file a complaint</a></p>
      
              <p><a href="https://privacyportal.onetrust.com/webform/168096e5-faa8-4fdd-a479-992231adbdc1/3ac56243-7019-4f38-814b-d4957155a96b">Do Not Sell or Share My Personal Information and/or Limit the Use of My Sensitive Personal Information</a></p>
      
              <p>&nbsp;</p>
      
            </div>
            <p class="kbhs-footer-copy">© 2024 KBHS Home Loans, LLC. All Rights Reserved. </p>
          </div>
        </div>
      </footer>

1 Branch in Tampa, FL