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types of borrowers. The 30-year fixed-rate mortgage is the most common type of loan used for home purchases. It offers a combination of low monthly payments, because they’re stretched out over 30 years, and predictability, because the rate is locked in for the life of the loan.
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Here’s exactly how to calculate how much a mortgage payment would cost you every month – Private mortgage insurance (PMI) is required if you put down less than 20% of the purchase price on a home. tools and.
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