Conventional, Fixed-Rate Mortgages

Conventional, Fixed-Rate Mortgages

Find stability with a fixed-rate mortgage.

A fixed-rate loan maintains the same interest rate for the entire life of your mortgage. It also gives you a more predictable monthly payment since it’s not affected by market fluctuations.

We offer conventional loans in 10, 15, 20 or 30-year terms.


  • Predictable monthly principal and interest payments
  • Mortgage insurance not required in certain situations

Talk to one of our expert lenders to discuss other home loan options or

Apply Online Today

Already applied? Check status

When you apply, you can lock in a great rate for 60 days while you shop for your next home or property. Learn more about Ent’s Lock & Shop.1

Which term should you choose?

You can select a term based on your desired monthly payment and how fast you’d like to pay off the loan. If you choose a shorter term (15-year), you’ll pay off the loan faster and with less interest, but your monthly payment will be higher. A longer term (30-year) will give you lower monthly payments but will take longer to pay off.

Other Types of Mortgage Loans

Loan Type


Adjustable Rate Mortgage (ARM)

  • 30-year term
  • Flexible option for those who intend to pay loan off more quickly
  • Lower, locked rate for the initial period of time
  • After that, rate may vary based on market trends

Jumbo Loan

  • 15, 20 or 30-year terms
  • For higher loan values which exceed the conforming loan limit as set by the FHFA
  • Not a government-backed loan; requirements set by lender
  • Can be used for primary home as well as secondary residences

FHA Loan

  • 15 or 30-year terms
  • Designed with first-time home buyers in mind
  • Lower down payment options
  • More flexible credit requirements

VA Loan

  • 15 or 30-year terms
  • Available to active-duty military members or veterans
  • 100% financing available
  • Does not require mortgage insurance

First-Time Home Buyer Program

  • 30-year term
  • Available to those who haven’t owned a home in the past three years
  • Lower down payment options
  • Lower mortgage insurance premiums


Standard credit qualifications apply. All loans are subject to final credit approval. Please consult your tax advisor, as interest paid on these loans usually is tax-deductible. Financing on homes in Colorado. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes. Consult a tax adviser for further information regarding the deductibility of interest and charges.

1Lock & Shop is available on fixed-rate mortgage loans, excluding all refinance types and CHFA loans. Additional conditions or exclusions may apply. Please refer to Ent's Important Loan Information and Mortgage Rate Lock Information for more information.