15 Year Fixed Rate Home Loans

When you select a 15-year fixed rate it could end up saving you lots of money in reduced interest payments over the life of your loan. You also will 100% own your home in a much shorter time frame. Not everybody can make this type of commitment, however Tzvi Ratner-Stauber can help you consider the future and discuss the benefits with you of having a shorter term loan.

At The Yes Lender, you will never be pressured into a payment scheme that isn’t financially sufficient for you, only what you are comfortable with and what makes sense. With the help of a monthly and Total Term Loan Comparison, you will see how a lower fixed rate loan might just be the right move in the long run. Whatever you choose, Tzvi Ratner-Stauber will make the process both smooth and professional so you can focus on the excitement of purchasing your new home.

30 Year Fixed Rate Home Loans

With a 30-Year Fixed Mortgage, the interest rate stays constant and your monthly payments do not change. If you are planning on staying in your house for at least seven years that might be a good option. If you are planning to move in less than seven, usually an adjustable-rate loan will be less expensive. In general, it is more difficult to qualify for a fixed-rate loan compared to an adjustable-rate loan. When there are low interest rates, usually a fixed-rate loan won’t be much more expensive compared to an adjustable-rate mortgage and over the long run might be a better deal since you can lock the rate in for the entire life of the loan.

Tzvi Ratner-Stauber – Your Mortgage Lending Expert

Here at The Yes Lender, we will never try to pressure you into agreeing to a payment plan that isn’t sufficient for your finances, only what makes sense and is comfortable for you. With help from our Total Term Loan and monthly comparison, you will be able to see how over the long run that a lower fix rate loan may be the best move for you. Whatever you decide to go with, we will make this process both professional and smooth for you so you will be able to focus on how exciting it is to buy a new home.