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Glossary of mortgage terms
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Fixed rate
Rate stability over the life of your loan

Longer Term Fixed-Rate Mortgage
This is often the first choice of buyers who prefer to know exactly what their monthly principal and interest payments will be over the life of the loan. Principal and interest payments do not change because the interest rate remains the same for the entire length of the loan. While interest rates are generally higher than those for an adjustable-rate mortgage, the predictability of the principal and interest payments makes budgeting easier.

Shorter Term Fixed-Rate Mortgage
If you want to minimize the total interest you have to pay and build equity faster, one of our shorter term, fixed-rate mortgages is for you. Like the longer term fixed-rate mortgage, the monthly principal and interest payments remain the same over the life of the loan. Since the loan is repaid sooner, the total amount of interest paid is reduced. The interest rate on these mortgages is typically lower than long-term loans.

15/30 Year Conventional LoansC.O.S.I./C.O.F.I./C.O.D.I. LoansFHA/VA LoansBad Credit (Subprime)RefinancingHome Equity Loans
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