With a fixed-rate mortgage, the interest rate remains the same throughout the length of the loan. As a result, your principal and interest payments are predictable from the first payment to the last.
Fixed-rate loans are usually offered with repayment terms of 30, 25, 20 or 15 years.
The rates for fixed-rate loans are often slightly higher than the rates for adjustable-rate loans.
Fixed-rate loans are a good choice if you plan to remain in the same home for several years and/or if interest rates are expected to rise.
We can tell you more about fixed-rate loan programs.
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First of all, our Mortgage specialist Alex and Diane did a fantastic job in educating us with the process and helping us put together documents that were needed. Karen worked with us patiently and diligently to ensure that we were able to keep up with all the timelines towards closing. All in all, they are a good group to work with, honest, and reliable.~ A.K.