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Fixed Rate Mortgages

How to Decide on Whether to choose a Fixed Rate Mortgage, or Not?

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Fixed rate mortgages typically reach their term after 15 or 30 years. The interest rate and monthly payments will not fluctuate along with the economy, or possible bank rate hikes, during this time thus allowing for a high degree of stability.

Fixed Rate Mortgages Are for Those People Who Desire:

  • Certain Stability. You need to know exactly what your financial situation will be far into the future.

  • You Know That Your Employment Situation and Income and Spending Levels Are Constant. You are confident that your ability to maintain a particular level of responsibility will not be adversely affected in the next 5 to 10 years.
Here's one thing to consider. Fixed rate mortgages typically have interest rates that are initially higher than adjustable rate loans. The higher rate means you'll make higher monthly payments. It may also mean you will need to make a bigger down payment in order to be approved for a fixed rate loan.

Experts say that if you plan to live in your home for more than 5 years, a fixed rate loan is a very good idea. They reason being, if interest rates rise the monthly payment on a fixed rate loan becomes lower than the payment on an adjustable rate loan.

But what if interest rates are lower in a few years? Like any mortgage, you may be able to refinance your fixed rate loan during times when interest rates drop. Be aware, however, your ability to refinance does depend on:

  • The amount of equity you have in your home

  • The property's market value

  • Your finances at the time

Click Here for a Comparison of Fixed vs Adjustable Rate Mortgage Loans

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