A fixed rate mortgage has an interest rate that won't change for the life of your loan. Usually that's 30 years, but it can also be 10, 15, 20, 25 or 40 years. It's the best security against rising mortgage rates and higher payments. If you know you don't plan on moving or refinancing in the next 10 years or so, the fixed-rate mortgage may be your best choice.

• Rates on fixed-rate mortgages are currently at or near historic lows. This means your mortgage payment starts low and stays there.

• You can choose the term that's right for you - the shorter your term, the less interest you'll pay. No matter how long you finance your mortgage, you'll have the peace of mind in knowing what your payment is, so you can plan your budget.

• If you don't have a full (20%) down payment, you can still get the security of a low, fixed payment. You can put as little as 5% down on a fixed rate mortgage.

• Need to refinance? A fixed-rate mortgage is a great way to refinance up to 95% of your home value. Or, refinance up to 90% to take cash out

• Now first-time home buyers can get a tax credit up to $7500! “First-time home buyers” include anyone who hasn't owned a home in the past three years. Talk to your mortgage banker to find out more.

We have a Jumbo option available for homes over $417,000. Congress has approved changes that may get you a lower rate on a jumbo loan. Call us at (888) 612-4800 to see if your county qualifies.

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*Consult your tax advisor.