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A fixed-rate mortgage (sometimes called a "plain vanilla" mortgage) is one that has a set (or fixed) rate of interest for the entire loan term. It’s the traditional loan used to finance a home.
USDA home loans require a 640 credit score or higher to qualify. fha 203k rehab Loans. FHA 203(k) loans are a type of home renovation loan. They will fund the purchase of a home and pay for repairs or renovations on the property. FHA loans require the property to be in livable condition, not in need of repairs.
A mortgage in which the interest rate remains the same throughout the entire life of the loan is a fixed rate mortgage. These loans are the most popular ones, representing over 75% of all home loans. They usually come in terms of 30, 15, or 10 years, with the 30-year option being the most popular.