Types of mortgages


Fixed-rate mortgage

With a fixed-rate mortgage, the interest rate remains constant throughout the loan term. This provides stability in monthly mortgage payments, making it easier to budget.

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Adjustable-rate mortgage

This mortgage can increase or decrease in tandem with broader interest rate trends. The initial interest rate on an ARM is usually below the interest rate on a comparable fixed-rate loan

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Government-backed mortgages

This mortgages can be easier to qualify for compared to conventional loans. This can make them a good choice if you have a lower income, don’t have perfect credit or can’t afford a large down payment

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How the mortgage process is handled


Start by getting pre-approved for a mortgage, which involves providing the necessary financial information to a lender

Mortgage application

Once you find a suitable lender, you'll complete a mortgage application and provide documents such as proof of income

Mortgage underwriting

The lender will review your application, verify the provided information, and assess your creditworthiness and the property's value.

Mortgage offer and acceptance

If approved, the lender will provide a mortgage offer outlining the terms, interest rate, loan amount, and any conditions.

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