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Should I get a fixed rate or adjustable rate loan?

Lower payments obviously means more money in your pocket. The ARM rate will start out lower than the fixed-rate loan, but could go higher when the annual adjustments start after one, three, five or seven years.

What is a sub-prime mortgage?

A subprime mortgage is generally a loan that is meant to be offered to prospective borrowers with impaired credit records. The higher interest rate is intended to compensate the lender for accepting the greater risk in lending to such borrowers

When should I refinance?

There are many options to consider when refinancing. If you can save on your interest rate or reduce your loan term to pay off your mortgage sooner. You should consider a refinance.

Should I get a fixed rate or adjustable rate loan?

Fixed mortgage rates are extremely low and if you plan on staying in your home long term a fixed rate is right for you. An adjustable rate loan will get you a lower rate and this is great for short term financing needs.

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