M180
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Fixed-Rate • 15-Year • Digital-First

The M180 Mortgage — Own Your Home Faster

A 180-month fixed-rate mortgage engineered for speed, transparency, and exceptional value. Lower payments than a 15-year, less interest than a 30-year — the perfect middle ground.

5.99%Average Rate
$94,200Avg. Savings vs 30-Yr
12 daysClosing Time
4.9 ★Customer Rating

Why choose the M180?

The 180-month mortgage combines the best of short-term and long-term financing — with a modern digital experience.

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Fixed-Rate Certainty
Your rate locks in for the full 180-month term — no ARMs, no surprises, no payment shock at reset.
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Rapid Equity Build
Shorter amortization means you own more of your home faster. Typical equity after 5 years: 24% vs 9% on a 30-year.
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Lower Total Interest
Pay roughly 55% less total interest than a conventional 30-year mortgage. More of every dollar goes to principal.
Instant Qualification
AI-powered underwriting delivers a decision in under 2 minutes. No endless document requests — just your key financial data.
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Digital-First Closing
Full eClosing with secure document upload, e-signatures, and wire transfer. Close from anywhere, no notary visit required.
No Prepayment Penalty
Pay it off early, make extra payments, or accelerate — zero fees. Your mortgage should work for you, not trap you.

Three steps to your new mortgage

From application to funding in days — not weeks.

01

Check Your Rate

Enter your loan details and get a personalized M180 rate instantly. No credit score impact.

02

Verify & Lock

Connect your financial accounts for instant verification. Lock your rate for 60 days at no cost.

03

Close Digitally

Review and sign your closing documents online. Funds are wired within 24 hours of signing.

Estimate Your Payment

See how the M180 compares to your current mortgage.

M180 Loan Calculator
Enter your loan amount and expected rate for a 180-month term.

Ready to own your future?

Apply online in under 5 minutes. No paperwork, no branches, no waiting. Get your decision instantly.