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A longer term and fixed rate make this a no-brainer.
30-Year Fixed Mortgage
Here’s the most popular mortgage available—a home loan that’s ideal for budget-minded borrowers looking for monthly payments that are typically lower than shorter-term loans. If you’re planning on living in your home for a long time, this is a great option.
Your payment is amortized over the term of the loan, meaning that your monthly payment of both the principal and interest have been calculated to pay off the loan at the end of your term.
Features you’ll love:
1The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value or 20% down payment, minimum borrower credit score of 740, and estimated finance charges of 2 points and $1,200. The APR is subject to change at any time and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. A mortgage expert will review and provide you the terms, conditions, disclosures, and additional details on the interest rates that apply to your individual situation.