When interest rates are low fixed is the way to go! Your mortgage payment and interest rate are fixed for the life of your home loan.

• As little as 3% down for Purchase loans, in some cases 1% down is available
• Fixed rates are available for all types of loans (VA, FHA, USDA, and conventional)
• With good credit and as little at 3% down, PMI may be eliminated
• Monthly mortgage payment never changes over the life of the loan.
• No pre-payment penalty
• Stable and predictable, no risk
• Term is typically 30 years but can be 10, 15 20 or anything in between

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