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We also offer low, fixed rate commercial real estate mortgages! Click here to learn more

Fixed Rate Mortgages	Advantages	Disadvantages
30 Year Fixed 20 Year Fixed 15 Year Fixed 25 Year Fixed 10 Year Fixed	Monthly payments are fixed over the life of the loan Interest rate does not change Protected if rates go up Can refinance if rates go down	Higher interest rate Higher mortgage payments Rate does not drop if interest rates improve
Adjustable Rate Mortgages 10/1 7/1 7/1 3/1 1 Year	Lower initial monthly payment Lower payment over a shorter period of time Rates and payments may go down if rates improve May qualify for higher loan amounts	More risk Payments may change over time Potential for high payments if rates go up
Products
Conventional FHA VA USDA New Construction Loans First Time Home Buyers