What are the different types of mortgage loans?
In choosing a mortgage loan it is best to choose one that you can afford for as long as your remain in your home. Affordabilty varies with the types of mortgages there are to choose from. The most common loans are fixed and adjustable-rate.
A fixed-rate mortgage is just that fixed for the entire length of the loan, about 30 years. However there are shorter terms such as 15 or 20 years which tend to carry low interest rates and higher payments with the benefit of less money paid out than with a longer term loan. Most longer terms have smaller monthly payments and may be easier to afford.
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