Fixed Mortgage

Fixed mortgage loan features

Get a low, fixed interest rate on your mortgage from Nationwide Bank. In addition to traditional 15- and 30-year mortgages, we offer other terms to better fit your needs.

Fixed mortgage rates

Use this table to help you find the right fixed interest rate for your budget. We have other terms available, too. Just call us at 1-877-636-0598 for details.

Jumbo rates are for mortgages between $417,001 and $1 million.

Looking for a specific rate?

Sign up for Rate Watch emails. You can get regular updates about our mortgage rates, or we can let you know when our interest rates reach the number you want. It’s a free and easy way to keep an eye on mortgage rates.

*Annual Percentage Rate (APR). Interest rates and the APR are subject to change at any time and without notice due to changes in the mortgage market. These rates may also adjust according to credit and property approval based on secondary market guidelines. The rates shown are based on interest rates for customers with a good credit history. Your individual rate may vary.   Our loans do not have prepayment penalties, and we normally require the escrow of taxes and insurance, which will be in addition to the principal and interest payments shown above. Be sure you understand the terms of the loan you are applying for.

Fixed Mortgage Rates with loan amounts <=$417,000
The APR calculation and the principal and interest (P&I) amounts are both based on a loan amount of $150,000 for the purchase of a primary residence, with 80% loan-to-value (LTV), approximately 15 days prepaid interest, origination charges of $795, an additional $422 in prepaid finance charges, plus discount points shown for a 60-day lock.

Fixed Jumbo Mortgage Rates with loan amounts > $417,000
The APR calculation and the principal and interest (P&I) amount are both based on a loan amount of $600,000 for the purchase of a primary residence, with 80% loan-to-value (LTV), approximately 15 days prepaid interest, origination charges of $795, an additional $422 in prepaid finance charges, plus discount points shown for a 60-day lock.

Fixed mortgage rate calculator

Use this calculator to determine what your monthly house payments might be if you choose a fixed-rate mortgage loan.

Find your fixed mortgage loan payments

Need more help? Find more mortgage calculators in our Resource Center.

Starting a mortgage application is easy with Nationwide Bank

Our goal is to help you find the right mortgage for your situation. We’ll guide you through the home financing process from start to finish, leaving you confident in your borrowing decision.

You can apply for a regular or jumbo mortgage by phone or online.

Apply online

What you need to apply for a fixed-rate mortgage

Nationwide Bank has a quick and secure mortgage application so you can get the loan you need to buy your home. Before beginning your application, gather this basic information about yourself and the property you want to buy. If you want to be preapproved, we’ll just need the city and state of where you want to buy property. You must be 18 years or older to apply for a fixed interest mortgage loan.

You can apply online or call 1-877-636-0598 weekdays 8 a.m. to 8 p.m. ET.

If you are applying for a mortgage with another person, you will need to have his or her ID, residence, job and income information, too.

Find answers to the top fixed-rate mortgage loan questions

Q. What is a fixed-rate mortgage?
A. With a fixed-rate mortgage, the interest rate will not change over the life of the loan.

Q. What is included in closing costs?
A. Closing costs may include the following:

• Prepaid interest
• Points
• Appraisal and title services
• Private mortgage Insurance, FHA mortgage insurance premium or VA funding fee, whichever may be applicable
• Miscellaneous costs, such as an underwriting fee or tax service fee

Q. How do I get a mortgage online?
A  Fill out our online application. Then once your application is submitted, a Nationwide Bank Mortgage Specialist will call you to discuss the rest of the steps in the mortgage loan process.  You can also apply by phone by calling 1-877-636-0598, 8 a.m. to 9 p.m. ET, weekdays.

Q. Can I get approved for a mortgage before I have a house?
A. You can get prequalified for your mortgage. Please note you cannot lock in your rate until you have a house to buy and pay your commitment fee.

Q. Do I have to pay for an appraisal?
A. Yes. It is included in your closing costs.

Q. What do I need to know before buying a house?
A. The U.S. Department of Housing and Urban Development offers helpful information about buying a home. You can also talk to one of their housing counselors for free or for a small fee.