Fixed-rate mortgages and loans

Q: 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 of the loan. This means your monthly principal and interest payments remain consistent, making it easier to budget over time.

Q: What are the benefits of a fixed-rate mortgage?

Fixed-rate mortgages offer stability and predictability. You won’t be affected by rising interest rates, and your payments won’t change—ideal for long-term homeowners or those who prefer financial consistency.

Q: How long are the terms for a fixed-rate mortgage?

Huntington offers terms ranging from 10 to 30 years. Shorter terms typically have lower interest rates but higher monthly payments, while longer terms offer lower monthly payments with more interest paid over time.

Q: Can I refinance my fixed-rate mortgage later?

Yes, you can refinance your fixed-rate mortgage with Huntington.

Steady payments. Flexible terms. Confidence built in.

With a fixed-rate mortgage from Huntington, your monthly principal and interest stay the same. Choose a term that fits your life, from 10 to 30 years. Whether you're settling in or planning ahead, we’ll help you craft a loan that supports your goals.

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Why choose a fixed-rate mortgage loan?

Fixed Interest Rates

A rate that stays put

Lock in your interest rate for the life of your loan.

Predictable Payments

Monthly payments you can count on

Your principal and interest stay the same from day one to day done, so you can plan with confidence.

Down Payment Assistance

Help with your down payment

Through state bond programs, you may qualify for assistance that lowers how much you need to put down—less up front, more within reach¹.

More fixed-rate mortgage features

Home Mortgage Guide

Your guide to a smoother mortgage experience

From how to make a payment online to understanding your escrow account, our Home Mortgage Guide is here to help. It’s just one more way Huntington looks out for you—making homeownership feel a little more manageable, every step of the way.

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Fixed-Rate Mortgage FAQs

What is a fixed-rate mortgage?

What are the benefits of a fixed-rate mortgage?

How long are the terms for a fixed-rate mortgage?

Can I refinance my fixed-rate mortgage later?

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¹ State Bond Down Payment Assistance programs have qualifications as determined by the sponsoring agency. See your MLO for more information, including qualifications and important rate, fee and other cost information. All loans are subject to terms and conditions.