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Shop Fixed-Rate Mortgages in Santa Clara, CA

Check the latest interest rates for fixed-rate mortgages in Santa Clara, CA. Contact Mr. Cooper to learn more today.

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Are All Fixed-Rate Loans in Santa Clara, CA the Same?

When researching home loans in Santa Clara, you'll run across some jargon you you may never have learned about. The phrase "fixed-rate" might fall into that category. As a company that's driven to keep the dream of homeownership alive, Mr. Cooper is on a mission to simplify every aspect of buying a house — including the words!

What exactly is a fixed-rate loan? It's a mortgage with an interest rate that never changes. An interest rate is an amount a lender charges for giving you money, and it's expressed as a percentage. Mortgage interest rates can change daily, so a fixed-rate loan means your rate is locked-in and secure. Fixed-rate home loans usually have a 30-year term length. Shorter terms are an option and typically include larger monthly payments but less total interest paid over the loan's lifetime. So, what other home loan options are there in Santa Clara outside of fixed-rate

Comparing Adjustable-Rate and Fixed-Rate Loans in Santa Clara, CA

It's a good idea to learn about all of your loan options in Santa Clara, including adjustable-rate loans. An adjustable-rate mortgage (ARM) is different from a fixed-rate mortgage in that the interest rate can go up or down based on national indexes. An adjustable-rate mortgage will maintain the same rate for typically 3, 5, or 10 years, then the rate is revised at specific intervals. Your monthly payments could go up if the interest rate goes up at one of these intervals. Call a Mr. Cooper mortgage specialist. Ask about the protections of a fixed-rate loan. We'll help you balance the pros and cons of fixed-rate and adjustable-rate mortgages, and help you see the key factors in picking the one that is right for you, like if you could still pay on an ARM if interest rates went up, how large of a mortgage payment you can qualify for, how long you plan on living in the house, and where interest rates are headed.

Check Current Fixed-Rate Home Loan Rates in Santa Clara, CA

We've only brushed the surface of fixed-rate loans and adjustable-rate loans! Contact Mr. Cooper to check fixed-rate mortgage rates in Santa Clara, CA. Friendly folks are standing by to guide you through the loan and homeownership process.

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