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Fixed Interest Rate Mortgages

This no-surprises mortgage locks in a fixed interest rate so it remains the same for the duration of the loan. When your interest rate stays the same, your payments do, too.

While there may be differences in the amount on principal and interest paid each month, your total payment will stay the same, making household budgeting easier. Payments made early in the life of the mortgage will mostly be applied toward interest on the principal. As you get closer to the end of the life of the loan, you’ll pay more in principal and less on interest.

Your total interest payments will depend on the life of the loan. Most fixed-rate mortgages are available for terms of 30, 20, and 15 years. The 30-year mortgage offers the lowest monthly payment. However, shorter-term mortgages will have slightly higher monthly payments, and you’ll pay less in interest over time.

Many buyers find fixed-rate mortgages most appealing because they can lock in a mortgage payment that won’t change even when interest rates fluctuate.

Ready for your fixed-interest mortgage? We’re ready to help you with it! Contact one of our LCB Mortgage Center Team members today!

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