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Buy Hud Home With Bad Credit Maximum Fha Loan Limits Are Set Each Year By Fannie Mae Fha Loan Requirements Fha 30 Year Fixed Mortgage rate 30-year fixed rate loans | Guaranteed Rate – A conventional 30-year fixed rate mortgage features a steady interest rate throughout its lifetime. Spanning three decades, homeowners with this mortgage can look forward to consistent monthly payments for many years to come, which can provide peace of mind and help them budget their finances.