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Fixed Rate Loans

 

Fixed-rate loans are very popular and among the most conservative loans available.

Fixed-rate loans are available for various terms — you can pick the one that suits you best. A fixed rate means that your principal and interest payment won’t change during the life of the loan. If your payments include reserves for taxes and insurance, these amounts may adjust year to year, due to fluctuations in your tax and insurance rates, but the principal and interest rate will always remain constant. If you plan on being in your home for a long time, or simply prefer the peace of mind that comes with knowing that your principal and interest payments won’t change, a fixed-rate loan may be a good option for you. A HomeStreet Loan Officer can show you how a fixed-rate loan compares to an adjustable-rate loan, so you can make an informed decision concerning these options.

A wide variety of loan programs are available at fixed interest rates. In fact, FHA, VA and conventional loans all can be either fixed or adjustable rate. HomeStreet Bank offers FHA and VA loans as fixed-rate loans, VA 3/1 ARMs and FHA one year, 3/1 and 5/1 ARMs. Conventional loans have a wide variety of fixed-rate, adjustable-rate and even interest-only options. Consult with a Hawaii HomeStreet Loan Officer for the right loan program for you. 

                                                                                    

LOANS:

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