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As the name implies, a fixed rate mortgage is one on which the interest rate is fixed and set for the duration of the loan. In other words, the interest rate remains the same during the entire term of the mortgage or for a stipulated length of time. Fixed rate mortgages are the most popular.

The biggest benefit of a fixed rate mortgage is that you will know precisely what your mortgage interest and principal payments are going to be and hence plan your budgeting in accordance.

By virtue of the fixed mortgage rate, you are secure in the knowledge that the interest rate is going to remain unchanged for the duration of the fixed rate mortgage.

• Rates on fixed-rate mortgages are currently at or near historic lows.

• You can put as little as 5% down on a fixed-rate mortgage.

• Need to refinance? A fixed-rate mortgage is a great way to refinance up to 95% of your home value. Or, refinance up to 90% to take cash out – pay down debt that doesn’t offer tax incentives

• First-time home buyers can get the First-time Home Buyer Tax Credit up to $8,000! Other home buyers may get up to $6,500. Find out if you qualify.

• Jumbo loan option available for homes over $417,000.

Fixed Rates
Southern California Mortgage

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