Fixed-rate mortgages are predictable.

Consistent monthly payments are a great feature of fixed-rate loans. That's why they could be just the ticket if you plan to stay put for a while.

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Pros

  • Interest rate remains the same for the life of the loan

  • Simple to understand especially for first-time buyers

Cons

  • Potential to pay more interest over time if you lock in when rates are high

  • Refinancing closing costs can add up if you plan to take advantage of falling rates in the future

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