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Buying a new home should be an exciting process, and the prospect of getting a mortgage should not diminish that excitement. Almost all loans have a benefit of some kind, even if it is not readily apparent. For example, most people would prefer a fixed rate loan to an adjustable rate loan. A fixed rate loan has an interest rate that does not change as the repayment period progresses. It offers security since you know at the start of the loan exactly how much you will be paying monthly for the entire life of the loan. Whereas an adjustable rate loan is often seen as an option for those with less than perfect credit because it does not have that security. An adjustable rate is liable to rise and fall since it is decided by certain indexes and does not remain constant. However, it does come with low introductory rates which benefit a home buyer who is only planning to live in that home for five to seven years. Also, if rates where to go down over the years of the loan, a homeowner with an adjustable rate would feel the result of that dip, but a homeowner with a fixed rate would not.

Are you tired of renting? Buy a home now to leave renting and landlords behind. Discover the feeling of coming home to a house and knowing that it is yours. Take the money that you spend monthly and invest it instead in your own home. Apply online today to contact up to four lenders about buying a home now.

Paying rent monthly, often more than many others pay towards their mortgages, can be frustrating. Buying a home can be a big commitment, but it can also be seen as an investment, where as a rent check has no lasting benefit.