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Fixed Rate Mortgage Loans(FRM)

Fixed rate mortgages (FRM) remain the same throughout the length of the loan and the interest rate and monthly payment never change. Fixed rate mortgages are available for 30, 25, 20, 15, and ten years. Generally, with shorter length loans, the interest rate is lower. On a longer term loan your interest rate is higher but your monthly payment is lower compared to a shorter length loan.

The advantages of a short term loans is being able to pay your loan off quicker, in effect reducing the amount of total interests paid through out the length of your loan. A short term loan is good for people who can afford a higher monthly payment and want to pay the loan in a shorter amount of time. A long term loan with more suitable for persons who have a limited budget and need their monthly house payment to be the least amount possible.

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Mortgage Companies

• Lowermybills.com
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• ING DIRECT Orange Mortgage
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• Shearson Mortgage
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