FIXED RATE LOANS
FIXED RATE LOANS
Fixed rate loans are offered in terms ranging from 10 to 40 years. The interest rate and payment remain fixed the entire term of the loan regardless of principal reduction. This structured “amortized” home loan is paid off at the end of the term and is likely why a fixed rate mortgage is the most common type of loan program.
No risk of interest rate increasing over the life of the loan
No pre-payment penalty
Fully amortized
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NMLS #248170 | CA Department of Real Estate - Real Estate Broker - DRE #01109636