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Shifting federal interest rates rates could make a significant difference in your home loan options. Interest rates affect the type of mortgage you choose and dictate ...

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Discount points. Discount points, also called points, let you lower the interest rate on your home loan. When you buy a point, you are purchasing a lower interest rate.

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A fixed-rate mortgage (FRM), often referred to as a "plain vanilla" mortgage loan, is a fully amortizing mortgage loan where the interest rate on the note remains the ...