First Financial Bank, N.A.

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Types of Loans

Conventional Fixed Rate Mortgage Loans
The interest rate on a fixed rate mortgage stays the same throughout the life of the loan. Each month's payment is equal to the interest on the principal and a bit of the principal. Since a bit of  the principal is paid off, then the interest payment on the remaining principal will be a little less each month. Your payment is the same, so a little more of the principal is paid off each month.  The advantage of the fixed rate mortgage is that the payment is the same each month.

Adjustable Rate Mortgage Loans(ARM)
When it comes to ARMs there's a basic rule to remember...the longer you ask the lender to charge you a specific rate, the more expensive the loan.

FHA Mortgage Loans

VA Mortgage Loans




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