San Antonio Mortgage Rates apply and qualify for a home loan, you are required to service it in monthly installments. Your installment amount is derived that you got including the interest rates and dividing it that you are required to get serviced it. The 15-year fixed-rate mortgage on its part, allows you to take action within 15 years as opposed to this 30-year fixed-rate mortgage. This means that if you apply for the mortgage, then you're required to pay sums of money as payments. This can be a hard nut to crack specially to people with poor financial health.