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Types of Loans. Loans can have a fixed interest rate or a variable interest rate. Fixed rate loans have the same principal and interest payments during the loan term. Variable rate loans can have any one of a number of "indexes" and "margins" which determine how and when the rate and payment amount change. If you apply for a variable rate loan, also known as an adjustable rate mortgage ("ARM"), a disclosure and booklet required by the Truth in Lending Act will further describe the ARM. Most loans can be repaid over a term of 30 years or less. Most loans have equal monthly payments. The amounts can change from time to time on an ARM depending on changes in the interest rate. Some loans have short terms and a large final payment called a "balloon." You should shop for the type of home mortgage loan terms that best suit your needs.

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Table of Contents

Mortgage Brokers

Government Programs

CLOs. Computer loan origination systems

Types of Loans

Interest Rate, "Points" & Other Fees

Lender-Required Settlement Costs

Comparing Loan Costs

Lock-ins

Tax and Insurance Payments

Transfer of Your Loan

Mortgage Insurance

Flood Hazard Areas

Resources

Pardee Home Loans

Source: U.S. Department of Housing and Urban Development

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