At Strategy Mortgage, we ask you to think how long you plan to be in your home.  We suggest a mortgage that matches your home ownership expectations.  If you plan to be in the same home for a long time, then a  fixed rate program may be right for you.  On the other hand, very few homeowners remain in the same home for 15 or 30 years.  You might be better served by an adjustable rate mortgage with a rate lock term that matches your plans.  A rate that is fixed for 3, 5, 7, or even 10 years before being subject to a rate adjustment may be the perfect program for you.

Fixed Rate Mortgage

The interest rate is fixed and not subject to change for the full term of your mortgage, either 15 or 30 years.

Adjustable Rate Mortgage

Rates on these programs are fixed for the first 3, 5, 7, or 10 years before adjusting annually thereafter.

Interest Only Mortgage

The monthly payment is comprised entirely of interest and does not require any principal to be paid until the first rate adjustment. These programs with exceptionally low payments offer a great deal of flexibility. If you make additional payments towards principal, the monthly payment automatically is reduced based on the lower principal balance.

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