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Question:  Hello Mr Moneypenny.  We are now ready to buy a starter home and are thinking about getting some Morgage quotes.  What type of Morgage do you think is best, a variable or fixed rate Morgage? Can you suggest a good Morgage quoter?

Answer:  Buying a new home is a complicated process. I never realized how many little details can get in the way of making a final decision. For example, we had a great deal of difficulty choosing between a fixed an variable rate Morgage. This may not seem like a big deal to some. In fact, I thought that we knew what we would choose ahead of time but the whole thing is much more complicated than I anticipated so we shopped around for competitive Morgage quotes.

After getting lots of  Morgage quotes the fixed rate Morgage seemed like the perfect choice. We would always know exactly what was owed on the loan each and every month and we wouldn’t have any surprises or Morgage sticker shock. We loved the idea of having this security but as we did a little more research the adjustable rate Morgage seemed like the right decision.

Basically, the major difference between the fixed and the adjustable rate Morgage is the steady monthly payment. The fixed loan payments do not change but the adjustable rate Morgage payments will vary from time to time. This oversimplification is part of the reason that we were so interested in the fixed loan option.

However, as more information came to light once we had all the Morgage quotes, we really started considering the adjustable rate Morgage as a viable option. While we hate the idea of not knowing exactly what will be owed every month, we did like many of the other attributes of the adjustable loan rate Morgage option.

The first thing that got our attention was the interest rate. Even though the rate is subject to change over time, the average adjustable rate Morgage loan offers interest rates that are lower than the fixed loan option. The lower interest is really appealing to many homebuyers but there are other benefits as well.

Since we knew that we wanted a pretty big loan, we were drawn to the adjustable rate Morgage. Since the interest rate is lower we have a better chance of getting a bigger loan. The lower monthly payments fit into our budget and we were able to take out more money for more house.

Also, we knew that we were going to move within the next few years and we knew that our income was going to increase. Since this is a starter home we decided to choose the adjustable rate Morgage. The possibility of a rate increase is lower if the life of the loan is shorter. We can always shop around later for more Morgage quotes when we are ready to move

If you are getting your starter home that will be used sold within a few years and if you expect a significant raise over time, you definitely want to consider an adjustable rate Morgage. Consult a Morgage quoter online.

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 I'm Mr Moneypenny