Stewart Brown Jr – Mortgage Loan Originator – Purchase or Refinance

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Mortgage Rate Options

FIXED RATE ICON

Fixed Rate

Fixed rate mortgages are the most common type of loan option. The traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime. These are typically 10, 15, 20, 25, and 30 year terms.

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ADJUSTABLE RATE ICON

Adjustable Rate

Adjustable rate mortgages are ideal for borrowers with a steady income and sufficient down payment, borrowers pay the same monthly payment amount (principal and interest payments) over the loan’s lifetime. 30-year and 15-year fixed available.

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INTEREST ONLY ICON

Interest Only

An interest only mortgage is a good option for those who plan to live in their home for a few years or buy a second home. You can keep your month-to-month housing payments low for the first few years of the loan. Hence, no reduction of principal is made.

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GRADUATED PAYMENT ICON

Graduated Payments

A graduated payment mortgage is a type of home loan in which monthly payments start out at one amount then increase gradually over time. This type of mortgage is designed to help homebuyers who may have difficulty qualifying for a loan because they earn a lower income.

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