I am a VP of Mortgage Lending at Guaranteed Rate Affinity. Paying for discount points could give you a tax benefit. I provide expert mortgage advice to help you with Life’s Biggest Purchase! Guaranteed Rate Affinity, LLC is a private corporation organized under the laws of the State of Delaware. Guaranteed Rate Affinity NMLS: 1598647 49 Guaranteed Rate Affinity reviews. A conforming 15-year fixed rate loan features a limit of $484,350 ($726,525 in high-cost areas) and a consistent rate throughout its lifetime, giving you secure and predictable monthly mortgage payments. A conventional 15-year fixed rate mortgage is similar to a 30-year fixed rate mortgage in many respects. When you finance your home with a fixed-rate mortgage, your interest rate and monthly payment (principal and interest) stays the same for the life of the loan. About.