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Fixed
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30 years vs. 15 years
Know how your choice will affect your payments.
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What lenders look for
Most lenders now rely on automated underwriting -- and here's what they look at when fixing a rate.
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What to watch before locking in
Keep an eye on these key indicators to time your lock-in for the best fixed rate.
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Your rate is fixed, but ...
Watch out for these loan markups that can add thousands over the life of the loan.
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Adjustable
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Basics of ARMs and caps
Their rates can move, but pay attention to the caps -- they limit how much.
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ARMs offer lowest of low rates
Borrowers who expect to move within the next few years should consider them.
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How adjustable-rate mortgages are set
Odd but true: Banks in Europe sometimes determine ARM holders' monthly payments in the U.S.
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ARM terms
Know your adjustable-rate mortgage definitions.
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Special
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Best loans for vacant lots
Land loans are unique. Here are some of the types to consider.
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Financing options for manufactured homes
Today's manufactured homes bear little resemblance to yesterday's air-slipping tin cans on wheels.
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Unusual mortgages serve special needs
Some lenders offer mortgages that meet specific needs, and experienced consumers can benefit from them.
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Shared-appreciation mortgages
With a "SAM," the lender cuts rates now for a piece of equity later.
More
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National Mortgage Rates
OVERNIGHT AVERAGES
Rates may include points.
30 yr fixed mtg
5.03%
15 yr fixed mtg
4.41%
5/1 jumbo ARM
4.51%
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