Side by side
| Fixed-Rate Mortgage | Adjustable-Rate Mortgage | |
|---|---|---|
| Payment | Never changes (P&I) | Fixed for 5–10 years, then adjusts |
| Starting rate | Higher | Often lower |
| Best for | Long-term owners | Shorter horizons |
Figures are typical market ranges as of October 2026. Actual terms depend on the lender, your credit, the property and the program, and are confirmed on your Loan Estimate or term sheet.
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Home loan
Conventional Loans
A conventional loan is a mortgage not insured by the government that follows Fannie Mae or Freddie Mac guidelines.
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Investment propertyDSCR Loans
A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).
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