Hey! Thinking about buying a home? Here are common types of home loans, also known as a home mortgage.

Number 1. A fixed-rate mortgage is usually 15 or 30 years in length, and you pay the same amount each month at a fixed interest rate for the life of the loan.

Number 2. With an adjustable-rate mortgage, the interest rate goes changes periodically, usually according to a schedule, which means payments can go up or down.

Number 3. A hybrid mortgage is typically 15 or 30 years, with fixed rates for the first one to two years and adjustable after that.

Number 4. Biweekly payment mortgages are usually fixed-rate conventional mortgages, but payments are due every two weeks instead of once per month.

There are pros and cons to each type, so speak with a lender to decide which option best fits your financial situation. For more information, visit southernbank.com/home-loans.

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