Fixed-Rate Mortgage


A fixed-rate mortgage is a home loan where the interest rate stays the same for the life of the loan. Through a fixed-rate loan, homeowners gain long-term stability and predictable payments. That’s part of why fixed-rate mortgages have become the favored choice of most borrowers.

When you choose a 15- or 30-year fixed-rate mortgage with Bay Equity, your payment will not change the entire time. This is great because it allows you to budget your mortgage payment throughout your life, or at least the next 10 to 30 years of it.

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