30-Year Fixed-Rate Mortgage Loan Schema Markup (JSON-LD)
Structured data for residential fixed-rate home mortgage loans, modeling APR rates, loan terms, down payment requirements, collateral terms, and underwriting guidelines for Google Financial SERPs.
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Production JSON-LD Code Block
Embed this structured data block directly into your HTML <head> or framework layout template.
{
"@context": "https://schema.org",
"@type": "MortgageLoan",
"@id": "https://example.com/mortgages/30-year-fixed#product",
"name": "30-Year Fixed-Rate Conforming Mortgage",
"description": "Standard fixed-interest home loan offering predictable monthly payments for prime borrowers purchasing single-family homes.",
"annualPercentageRate": 6.375,
"interestRate": 6.25,
"loanTerm": {
"@type": "QuantitativeValue",
"value": 30,
"unitCode": "ANN"
},
"amount": {
"@type": "MonetaryAmount",
"currency": "USD",
"minValue": 100000,
"maxValue": 766550
},
"requiredCollateral": "Single Family Primary Residence or Warrantable Condominium",
"provider": {
"@type": "BankOrCreditUnion",
"name": "Apex Home Mortgage Corp",
"telephone": "+1-800-555-0130"
},
"feesAndCommissionsSpecification": "1.0% origination fee, $950 underwriting fee, appraisal fees apply."
}Typed Properties Specification (8 Fields)
Key Schema.org properties and sub-objects required to qualify for rich snippet treatment in Google Search.
| Property | Expected Type | Status | Description & Example |
|---|---|---|---|
| name | Text | Required | Official marketing name of the mortgage loan product. e.g. 30-Year Fixed-Rate Conforming Mortgage |
| annualPercentageRate | Number | Required | Annual Percentage Rate (APR) reflecting true cost of credit including points and fees. e.g. 6.375 |
| interestRate | Number | Required | Nominal fixed annual note interest rate. e.g. 6.25 |
| loanTerm | QuantitativeValue | Required | Amortization term duration with unitCode (ANN for years, MON for months). e.g. { "@type": "QuantitativeValue", "value": 30, "unitCode": "ANN" } |
| amount | MonetaryAmount | Required | Conforming loan limits with minValue and maxValue borrowing constraints. e.g. { "@type": "MonetaryAmount", "currency": "USD", "minValue": 100000, "maxValue": 766550 } |
| requiredCollateral | Text | Required | Security asset required to underwrite the secured mortgage lien. e.g. Single Family Primary Residence or Warrantable Condominium |
| provider | BankOrCreditUnion | Required | Lending institution or mortgage banker originating the loan. e.g. { "@type": "BankOrCreditUnion", "name": "Apex Home Mortgage Corp" } |
| feesAndCommissionsSpecification | Text | Recommended | Disclosures regarding origination points, processing fees, and third-party appraisal costs. e.g. 1.0% origination fee, $950 underwriting fee, appraisal fees apply. |
Google Search Console Pitfalls & Critical Warnings
Avoid these 3 common validation traps, parser errors, and algorithmic policy penalties when deploying MortgageLoan schema.
Confusing Note Interest Rate with APR
Submitting only interestRate while omitting annualPercentageRate violates Google Financial Services lending disclosure policies.
Always declare both annualPercentageRate and interestRate.
Unbounded Loan Amounts Without Currency
Specifying loan limits as naked numbers without a MonetaryAmount node and 3-letter ISO-4217 currency code creates parser errors.
Nest amount within a MonetaryAmount object containing currency: 'USD'.
Missing Loan Term unitCode Specification
Failing to set unitCode on loanTerm causes crawlers to confuse 30 years with 30 months.
Use UN/CEFACT 'ANN' for years or 'MON' for months.
Recommended Implementation Scenarios
Related Schema Blueprints
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Unsecured Personal Loan Schema Markup (JSON-LD)
Single Family Residence Sale Schema Markup (JSON-LD)
Real Estate Listing & Broker Offer Schema Markup (JSON-LD)
High-Yield Savings Account (HYSA) Schema Markup (JSON-LD)
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