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HomePersonalMortgageBuy a HomeFixed-Rate Conventional Loans

Fixed-Rate Conventional Loans

Fixed for the life of the loan, an ideal mortgage choice if you plan to put down roots.

The best mortgage rates for the long term

With a fixed-rate mortgage loan, your mortgage rate and monthly payments remain the same for the life of your loan. You know exactly how much interest you'll pay and can budget accordingly. 

Conventional home loans also tend to offer some of the best mortgage rates and loan terms. That's what makes it your best bet if the home you're buying is your forever home – or at least your for-a-long-time home.

Features & Benefits

  • Predictable principal and interest payments for the life of the loan
  • Flexibility to choose terms of 15, 20 or 30 years
  • Typical downpayment requirement of 5% to 20%
  • Option to refinance if rates fall or financial situation improves
  • Free prequalification

Ready to Get Started?

Apply NowGet PrequalifiedMortgage Quick QuoteMortgage Calculators

This account pairs well with:

Smartest Home Equity Line of Credit$MART CheckingFinancial Education

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Financial Resources

Fraud Prevention
Calculators
FAQs
Video Library

Access to security tools, CD calculators and more at your fingertips. View Resources

A conventional home loan is not a government loan program, nor backed by the government.

Subject to credit and underwriting approval.

Available in the German American Bank markets in Indiana, Ohio, and Kentucky.

  • Scan the QR code with your phone's camera to instantly download our mobile app, or use the links below to install the app to your device.
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© 2026 German American Bank . All rights Reserved

Routing Number #:
083904563
Call Us
(812) 482-1314 or (800) 482-1314
Bankline 24
(800) 536-0660
Treasury Support
(800) 482-1314, ext 2500
Equal Housing Lender FDIC

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

© 2026 German American Bank . All rights Reserved

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