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Fixed-Rate Mortgages

A fixed-rate mortgage from First National Bank is the most popular choice among new homeowners. No matter how high interest rates may go, your payment remains the same. Fixed-rate mortgages make a lot of sense, especially for people planning to be in their home for a while.   

Benefits:

  • Locks in low interest rates 
  • Sets your rate for the life of the loan
  • Makes budgeting easier 

Considerations:

  • Overall interest is higher on a longer-term loan compared to a shorter-term loan
  • If you choose an interest-only option, you cannot build equity through monthly interest-only payments without making voluntary principal payments during the interest-only period
 

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