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Once the mortgage has been approved, you'll need to do things like order a title search and purchase homeowner's insurance. If you have a government-backed loan, there might be other types of insurance you need to purchase. Types of mortgage loans. Fixed-rate mortgage. This is a mortgage that has a fixed interest rate over the entire life of the loan.
The benefit is that it offers predictable payment terms and the fixed interest rate allows bank loan cash flow size of your monthly payment to stay the same year after year. Adjustable-rate mortgage (ARM). With this type of mortgage, interest rates change from time to time to reflect current market conditions.
In many cases, the rate remains fixed for an initial period, and then it is adjusted on a yearly basis. For example, with a 31 ARM loan, the 3 in the name indicates that the loan has a fixed interest rate for the first three years.
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