Fixed Rate Loans

A fixed rate mortgage provides you with the security of a monthly payment that doesn’t change. Fixed rate loans are one of the most popular loan options today.

Piedmont Federal offers four terms for a fixed rate mortgage:

30-Year Fixed Rate
By choosing a 30-year fixed rate loan, you will have the lowest monthly payment of all the fixed rate loans we offer.

20-Year Fixed Rate
By choosing a 20-year fixed rate loan, you will have the monthly payment that is greater than the 30-year fixed rate, but you will be building equity in your home faster.

15-Year Fixed Rate
Choose a 15-year fixed rate loan if you’re comfortable with a higher payment and you will have the benefit of substantial interest savings.

10-Year Fixed Rate
If you’re comfortable with a higher payment and wish to pay off your loan quickly – the 10-year fixed rate loan may be exactly what you are looking for.


We have enhanced mortgage product offerings to provide you with a comprehensive range of solutions, ensuring a customized approach to meet your specific lending needs. More reasons »


It’s as easy as 1-2-3.

Apply for a loan with Piedmont Federal in as little as 20 minutes using your smartphone, tablet or computer.

Start or finish your online
application today.


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