15-Year Fixed-Rate Mortgage

If you have some cushion in your budget, United Community Bank's 15-year mortgage features a fixed rate that allows you to pay off your home in half the time of a 30-year mortgage. Your monthly payments will be higher, but you will save money in the long run because you have 15 fewer years of interest payments.

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  • Offers many of the same benefits of a 30-year mortgage but you pay off your home quicker with a higher monthly payment 
  • Good choice if you plan to live in your house for 10 years or more
  • Build equity much more quickly due to shorter amortization schedules 
  • Interest rates are lower than 30-year loans 
  • Monthly payments are predictable (notwithstanding increased property tax and insurance payments, if those are rolled into your monthly mortgage payment)