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Fixed-Rate Mortgages

With a fixed rate mortgage, payments for the interest rate and the principal remain fixed over the life of the loan. As a result, monthly loan payments stay the same over the life of the loan. Taxes, however, may change according to your local or state tax laws.


  • The interest rate stays the same and it doesn't go up even if rates in the market do
  • Monthly payments of principal and interest don't change
  • May be a good choice for homebuyers who plan to own their home for a long time


  • May cost more than other loan types the interest rate is often higher than rates for adjustable rate mortgages
  • A long-term loan may not be suitable for homebuyers planning to move or refinance within 5 to 7 years

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