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Options for a loan with a down payment of (20%) As of . Note: This calculator assumes a 20% down payment for adjustable-rate loans. After your introductory rate term expires, your payment and rate may increase.
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What your loan term means. A Fixed-rate mortgage is a home loan with a fixed interest rate for the entire term of the loan. The Loan term is the period of time during which a loan must be repaid. For example, a 30-year fixed-rate loan has a term of 30 years.
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However, in some cases switching to a mortgage with a lower rate but a longer term could result in you paying more interest.
Use this calculator to compare a fixed rate mortgage to two types of ARMs, a fully amortizing arm and an Interest Only ARM. A fixed rate mortgage has the.