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Is a fixed-rate mortgage right for you?


What is a Fixed-Rate Mortgage?

A fixed-rate mortgage is a loan that has a static interest rate over the life of the loan. You can compare this with an adjustable-rate mortgage (ARM) where interest rates change over time.

Because of the consistency and affordability of the loan’s interest rate over time, fixed-rate loans are ideal for first-time homebuyers, borrowers looking to buy their next home and for those who want to refinance an existing mortgage.

Global Equity Finance can work with you to determine which fixed-rate mortgage is best suited to your needs.

A Message From Global Equity Finance

“If you’re looking for security, affordability and simplicity, a fixed-rate loan
could be the perfect choice for you.”


Roy Koldaro

NMLS# 1241846
VP of Lending

Benefits of Fixed-Rate

  • Stability and Security​​
  • Pay At Your Own Pace
  • Affordable Payments​
  • Straightforward Terms

Fixed-Rate Options

Benefits of a Fixed-Rate Mortgage


Stability and Security

Stability and Security

You won’t have to wonder how much you’ll be paying on your loan from month-to-month or year-to-year—interest rates on fixed-rate loans are consistent and immune to market fluctuations such as inflation.

Pay At Your Own Pace

Pay At Your Own Pace

With a range of loan terms to choose from, you can decide just how soon you’d like to pay off your mortgage.

Affordable Payments

Affordable Payments

30-year fixed mortgages offer lower monthly payments due to the longer loan term, while 15-year fixed mortgages offer borrowers a lower interest rate and a means to build equity faster.

Straightforward Terms

Straightforward Terms

Fixed-rate loan terms and conditions are clear and easy to understand.

Fixed-Rate Mortgage Qualifications

Credit preapproval: Getting preapproved for a loan has several benefits that make buying a home quicker and easier. The process will save you time as it helps you immediately identify which loans fit your budget. It can also shorten the closing process, which means your loan can get funded sooner. Lastly, preapproval can improve your credibility with lenders, letting them know upfront how qualified you are for a mortgage.

Documentation: When choosing a fixed-rate mortgage to refinance an existing mortgage, you will need proof of income and employment history along with copies of your homeowner’s insurance, bank account statements, 401k and record of any investments you have made.

Loan program

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