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Fixed Rate Mortgage

Lock in a consistent rate for predictable monthly payments.

Fixed-rate mortgages are ideal for borrowers seeking predictable payments and long-term financial stability, with an interest rate that remains unchanged throughout the life of the loan.

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Fixed Rate Mortgage Features

Stability and predictability for your home financing.

Consistent Interest Rate

The interest rate is fixed for the entire term of the loan, ensuring steady monthly payments.

Variety of Loan Terms

Available in common terms such as 15, 20, and 30 years, allowing you to choose the repayment period that best suits your financial goals.

Wide Availability

Can be used for purchasing or refinancing primary residences, second homes, and investment properties.

Simple Loan Structure

Straightforward loan terms make this an easy-to-understand mortgage option.

Benefits of a Fixed Rate Mortgage

Protection from Market Fluctuations

Enjoy peace of mind knowing your interest rate and monthly payments won’t change, even if market rates rise.

Long-Term Savings Potential

Locking in a low interest rate can result in significant savings over the life of the loan, especially in a low-rate environment.

Easier Financial Planning

With predictable payments, you can plan your finances with confidence, making it easier to manage other expenses.

Ideal for Long-Term Homeownership

If you plan to stay in your home for many years, a fixed-rate mortgage provides stability and predictability.

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Leverage the expertise and experience of A and N Mortgage to navigate the fixed-rate mortgage process. Our knowledgeable team is here to guide you every step of the way and help you secure financing that aligns with your financial goals.

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loan FAQ

Loan Program

Frequently Asked Questions

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Some loans will allow you to secure just a 5% down payment plus closing costs. Another option is a piggy-back loan where you get approved for the first and second mortgage to avoid PMI. You could also apply for an FHA loan which only requires a 3.5% down payment.

However, your interest rate will likely be higher, and you will be required to buy private mortgage insurance (PMI).