With a fixed-rate mortgage, the interest rate remains the same throughout the length of the loan. As a result, your principal and interest payments are predictable from the first payment to the last.
Fixed-rate loans are usually offered with repayment terms of 30, 25, 20 or 15 years.
The rates for fixed-rate loans are often slightly higher than the rates for adjustable-rate loans.
Fixed-rate loans are a good choice if you plan to remain in the same home for several years and/or if interest rates are expected to rise.
We can tell you more about fixed-rate loan programs.
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This was our first experience in purchasing a home or applying for a mortgage, and working with Trident made it very manageable. They walked us through each step, made it very easy to submit documents on their online app, and were always there for a phone call or explanation when we needed one. We had no idea what we were getting into, having never gone through this process before, but we trust our contacts at Trident and are thrilled with their help in getting us into our first home. I would highly recommend Trident to others applying for a mortgage.~ C.D.