If you are buying a home, what a perfect time to lock into an affordable fixed rate home mortgage. HSTM specializes in providing fixed rate loans for home purchases and refinances. All our loan specialists are dedicated to finding the right loan with the lowest interest rates for fixed rate terms and will help you determine the amount you are approved to borrow. Select the right 1st or 2nd mortgage with documentation options and interest type options as well. HSTM supports 15-20-30 year fixed interest rate loans.