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Fixed Rate Mortgage



There are several types of mortgages offered by lenders in the market. The most common of these types is fixed rate mortgages. Fixed rate mortgage loans are characterized by fixed rates and monthly payments that are generally for a 15-year and 30-year periods.

Fixed rate mortgages are popular in the consumer market because of its stability. Most consumers are hesitant to get house loans where the rates fluctuate with the changing interest rates of the market. Fixed rate mortgages are generally very affordable, especially when rates are low.
Consumers of fixed rate mortgages are faced with having to choose between a 15-year fixed rate mortgage or a 30-year fixed rate mortgage. Some prefer 15-year fixed rate mortgages because of the shorter duration. Other consumers choose 30-year fixed rate mortgages because the payments are considerably lower than the former.

Each type of fixed rate mortgages certainly has its own advantages and disadvantages. Here are some of them.

30-year Fixed Rate Mortgage – Advantages and Disadvantages

A 30-year fixed rate mortgage gives consumers the opportunity to borrow money on a long-term basis. They do this without having to worry about the change that might occur in fixed rate mortgage interest rates or payments of such.

Because the interest of a 30-year fixed rate mortgage is amortized over a longer period, the monthly payments for this are lower than those on 15-year loans. Lower monthly payments on 30-year fixed rate mortgages give consumers an extra resource which they can pour into other worthy investments.
"A miser grows rich by seeming poor. An extravagant man grows poor by seeming rich.”
- William Shakespeare
 
On the other hand, this could also cause a slight disadvantage for 30-year fixed rate mortgage borrowers. The overall interest bill of a 30-year fixed rate mortgage is much higher because of the long amortization period. And because payments for 30-day fixed rate mortgages are usually used to pay up the interest rather than the principal at first, borrowers will be building up their equity at a slower pace.

The high interest rates of 30-day fixed rate mortgage loans do not necessarily stop consumers from taking this type of loan. They reason that higher interest bill for 30-day fixed rate mortgages increases the amount they can deduct at tax time. This could potentially reduce or perhaps, even eliminate their federal income tax liability.

15-year Fixed Rate Mortgage – Advantages and Disadvantages

One of the advantages that attract borrowers into taking a 15-year fixed rate mortgage is the fact that amortization periods for this type of loan are usually shorter. This allows 15-year fixed rate mortgage borrowers to build equity much quicker. And with a 15-year fixed rate mortgage, the overall interest bills are low – at least, considerably lower than those of longer-term loans. Interest rates of a 15-year fixed rate mortgage are also lower than 30-year loans.

The disadvantages however include significantly higher monthly payments, especially when compared with 30-year fixed rate mortgages. This setback of having a 15-year fixed rate mortgage may restrict home buyers to smaller houses than they might be able to afford with longer-term loans.

There are also other factors to consider when choosing which type of fixed rate mortgage you want to take. Keep in mind that you can actually do a prepayment for your fixed rate mortgage, that way, the principal amount may be significantly reduced each month. In this way, fixed rate mortgages may even be paid off sooner than the projected term.

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Additional Resources and Latest News:

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  2. Mortgage rates now lower than a year ago  WTOP
  3. Mortgage rates fall for the third week in a row, could boost slow home sales  Chicago Tribune
  4. Mortgage rates fall to one-year low, setting the stage for a sunny spring selling season  MarketWatch
  5. Mortgage rates fall for the third week in a row  The Washington Post
  6. View full coverage on Google News

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Everything you need to know about beating a mortgage stress test - TheSpec.com
Everything you need to know about beating a mortgage stress test  TheSpec.com

Since January 1, 2018, all homebuyers seeking a new mortgage are subject to a stress test if they are dealing with federally regulated lenders such as major ...


Mortgage rates fall for Thursday - Bankrate.com
Mortgage rates fall for Thursday  Bankrate.com

Several benchmark mortgage rates trended down today. See what that means for you if you're in the market for a home loan.


Mortgage rates settle in for the summer - The Washington Post
Mortgage rates settle in for the summer  The Washington Post

After a big jump to start the year, mortgage rates have settled in for the summer. According to the latest data released Thursday by Freddie Mac, the 30-year ...


Mortgage rates continue their six-week decline, falling to nine-month lows - The Washington Post
Mortgage rates continue their six-week decline, falling to nine-month lows  The Washington Post

Mortgage rates have been in a prolonged swoon, but it may be coming to an end. According to the latest data released Thursday by Freddie Mac, the 30-year ...


More home buyers are turning to adjustable-rate mortgages - Washington Post
More home buyers are turning to adjustable-rate mortgages  Washington Post

While it may seem counterintuitive to take a chance on an adjustable-rate mortgage (ARM) when mortgage rates are anticipated to continue rising, more ...


Lloyd's Lend a Hand mortgage explained: Is it actually a 100% LTV mortgage? - City A.M.
Lloyd's Lend a Hand mortgage explained: Is it actually a 100% LTV mortgage?  City A.M.

A “new” mortgage called 'Lend a Hand' from Lloyds made the headlines last week – well, the real headline was the 100 per cent Loan-to-Value, which brought ...


A Glimpse at Life Without the 30-Year Fixed-Rate Mortgage - Forbes: Intelligent Investing
A Glimpse at Life Without the 30-Year Fixed-Rate Mortgage  Forbes: Intelligent Investing

As Congress contemplates a permanent fix to its decade-long “temporary” mortgage patch, the lore of the 30-year fixed-rate mortgage is permeating Capitol Hill.


4 reasons adjustable rate mortgages are on the rise again - MarketWatch
4 reasons adjustable rate mortgages are on the rise again  MarketWatch

When it comes time to take out a mortgage on a property, there are many different types of loans available. From government-backed VA and FHA loans, ...


Mortgage rates move lower for the third time in a month - Washington Post
Mortgage rates move lower for the third time in a month  Washington Post

It seems to happen every time the Federal Reserve raises short-term interest rates. The expectation is that mortgage rates will also rise. But one week after the ...


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