Extended Terms. Lower Payments. Greater Flexibility.

At Crestico, our 40-Year Mortgage program is designed for homebuyers and homeowners seeking maximum affordability and long-term payment flexibility.

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Step 1

Check Eligibility

Step 2

Payment Option

Step 3

Get Approved

Step 4

Close the Loan

Step 5

Repayment & Loan Terms

What Is a 40-Year Mortgage?

At Crestico Funding, a 40-Year Mortgage is a specialized home loan designed to give you maximum flexibility through extended repayment terms. Instead of the standard 30-year term, this loan spreads payments over 40 years—reducing your monthly obligation and making it easier to manage your finances, especially in high-cost markets like California.

This program is ideal for first-time buyers, real estate investors, or homeowners looking to refinance and reduce monthly expenses.

Key Benefits

Lower Monthly Payments
By extending your loan term, you reduce your monthly financial burden—freeing up cash for other priorities.

Flexible Loan Structures
Choose from fully amortizing or interest-only options to match your financial goals.

Cash Flow Advantage
Perfect for borrowers focused on short-term affordability or maximizing ROI on investment properties.

Non-QM Flexibility
Since it’s a non-qualified mortgage (non-QM), you may qualify even if traditional loans don’t fit your situation.

Frequently Asked Questions (FAQs)

What is a 40-Year Mortgage?
A 40-year mortgage is a home loan with a 40-year repayment term—10 years longer than the traditional 30-year mortgage. This extended term reduces your monthly payments, making homeownership more affordable, especially in high-cost areas.
Who is a 40-Year Mortgage best suited for?

This program is ideal for:

  • First-time homebuyers looking for lower monthly payments
  • Real estate investors wanting improved cash flow
  • Homeowners refinancing into a more flexible payment plan
  • Borrowers who may not qualify for conventional loans

Can I refinance a 40-year mortgage later?
Yes. You can refinance at any time, depending on your financial situation and market conditions. Crestico offers a wide variety of refinance solutions tailored to your needs.

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At Crestico, our loan programs are designed to meet a wide range of financial needs—whether you're buying your first home, refinancing, investing in property, or looking for flexible financing options. From conventional and government-backed loans to non-traditional and specialty programs, we offer solutions that align with your goals. Our experts help match you with the right loan, offering competitive rates, personalized terms, and a smooth approval process.