Fixed vs Adjustable Rates
Fixed vs Adjustable-Rate Mortgages: What’s the Difference? Choosing between a fixed-rate and adjustable-rate mortgage is a big decision. Here’s what you need to know:
Fixed-Rate Mortgages:
Interest rate stays the same for the life of the loan
Predictable monthly payments
Typically a better choice if you plan to stay long-term
Adjustable-Rate Mortgages (ARMs):
Lower initial interest rates
Rates can adjust after a fixed period (e.g., 5/1 ARM)
Potential for lower initial payments but higher risk long-term
Next Steps: Need help deciding which loan type is right for you? Contact Parish Lending for a personalized rate comparison.
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