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An adjustable rate mortgage has an interest rate that changes with a predetermined index. This means that the interest rate will most likely change over the life of the loan, and that monthly payments will not remain the same from one period to the next. These periods between rate adjustments can be as long as five years or as short as one year. The disadvantage with an adjustable rate is obvious: you can not predict how the index with fluctuate and rates could rise, but adjustable rate loans come along with a rate cap to keep your rate from going too high. Also, adjustable rates usually come with an low introductory rate, and if rates were to drop, someone with an adjustable rate could end up paying less than someone with a fixed rate. An adjustable rate is also good if you plan on moving five to seven years after buying the house.

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A fixed rate mortgage has in interest rate that remains the same throughout the life of the loan. This ensures that your monthly payments at the start of the loan will be the same at the end of the loan. Fixed rates carry less risk than rates that are subject to change and if rates were to drop substantially, a homeowner with a fixed rate could always refinance if he or she thought it there was a possibility of locking in a lower rate.

  • A construction loan covers the cost of the materials, labor and land needed to build a new home, giving you the opportunity customize your new home.
  • An FHA loan is insured by the Federal Housing Administration which is a part of the Department of Housing and Urban Development in effort to provide families with low income mortgages that require only very low down payments. The FHA also has special low interest, low down payment loans available for teachers and police officers.
  • A VA loan is insured by the Veterans Administration and provides a low interest low with no required down payment. A VA insured loan is available if you have served in the military.
  • Find the loan that fits you today. Apply online to contact up to four lenders about your mortgage loan.

     


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      Home Lending Resources
    Mortgage loans can be a complex process that a qualified mortgage broker can help to simplify for you. Not only do mortgage brokers handle paperwork but they also broker your interests to get you the best possible rate from the institution backing the loan… Mortgage lending is a process best done with the assitance of a mortgage broker. Mortgage brokers do lending services day in day out and have garnered experience few home buyers get from the few home purchases they make during their lives… Extra monthly payments are a great way to cut down your loan term. Using our free mortgage amortization calculator you can see how these extra payments affect the amount of interest paid over the life of your loan…
    Picking a home loan is a huge decision that requires an understanding of the various types of interest rates available for your loan. Most mortgage terms are for thirty years however only paying interest over fifteen years can save you as much as 50% of the total cost of your home… Mortgage payment calculator outputs can help you estimate the cost of your monthly payments on a new home loan. If you decide to print an entire amortization table you can also factor in extra monthly payments and see how they save you in interest costs…

    Loan amortization calculators will tabulate your monthly payments just as a monthly payment calculator does. Additionally you will be able to see your monthly payments split into interest and principal to see how much equity your home is building each month…

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