There are many different types of mortgage loans available to the consumer.有许多不同类型的按揭贷款提供给消费者。The most common amortized loan types are fixed-rate mortgages (FRM) and adjustable-rate mortgages (ARM).最常见的摊销贷款类型是固定利率抵押贷款（ frm ）和浮动利率抵押贷款（亚美尼亚） 。
Fixed rate mortgages are loans in which the interest rate is locked at a specific and agreed upon rate.定息按揭贷款，其中的利息是锁定在某一特定和议定的利率。Many first time homebuyers opt for this type of loan, as it allows them the ability to know exactly what their loan payment will be each month.许多首次购屋者选择这种类型的贷款，因为它使得它们能够确切地知道他们的贷款发放将每个月。The payment stays fixed for the entire term of the loan.付款停留固定为整个任期内的贷款。Typical terms are 5, 10, 15, 20, or 30 years.典型的条件是5 ， 10 ， 15 ， 20 ，或30年。
Adjustable rate mortgages are loans in which the interest rate is fixed for a short period of time only, and the variation in the rate is determined by the market.浮动利率的抵押贷款是贷款，其中的利息，这是一个固定为短的时间内，只有和变异的比率是由市场决定。Many homebuyers, especially those not concerned with adhering to a strict budget each month, prefer these types of loans.许多置业人士，尤其是那些不关心与坚持严格的财政预算案每个月，喜欢这些类型的贷款。Although different lenders use different indices to determine the market rate, some of the more common are Prime Rate, LIBOR, and the Treasury Index.虽然有不同的放款使用不同的指数，以确定市场利率，一些较常见的是优惠利率，伦敦银行同业拆息，及库务指数。
Fixed rate loans often end up costing more than adjustable rate loans, but they do not provide the stability of a known and consistent monthly payment.固定利率贷款，往往最终费用多于浮动利率贷款，但他们不提供稳定的一个已知的和一贯的每月付款。Adjustable rate loans work by transferring part of the interest rate risk from the lender to the borrower, and are widely used when there is instability in the market and fixed rates are difficult to obtain.浮动利率贷款的工作转移到部分的利率风险从贷款人向借款人，和被广泛采用时有不稳定，在市场上固定利率是很难获得。
There are also other types of mortgage loans available, although the aforementioned are the most common.也有其他类型的按揭贷款提供的，虽然上述是最常见的。Other types include blanket loans, bridge loans, budget loans, deeds of trust, equity loans, and wraparound mortgages.其他类型包括毛毯的贷款，桥梁贷款，贷款预算，先进事迹，信托，股票贷款，和周边按揭贷款。When you are considering your first mortgage, you are likely to end up choosing a FRM or an ARM.当您正考虑您的第一抵押贷款，您很可能会最终选择frm或手臂。These are by far the most common mortgage types.这是迄今为止最常见的按揭类型。Consult your local mortgage broker for more information on these types of loans.请咨询您本地的按揭经纪的更多信息，对这些类型的贷款。
Interest rates have been relatively stable in recent years, and many government agencies and financial institutions offer tax and financial incentives for new homeowners.利率已相对稳定，近年来，许多政府机构和金融机构提供税务和财政奖励，为新业主。The Department of Housing and Urban Development oversees a program called the Federal Housing Administration in which the government will insure the lender against a loss (in case you default on your mortgage).该署住房和城市发展部监督程序被称为联邦住房，政府当局在该国政府将保证贷款人对损失（在默认情况下，您对您的按揭） 。Veterans Affairs also administers a program for military veterans, which provides assistance and guarantees to veterans interested in entering the market for a new home.退伍军人事务部还管理程序，为退伍军人，提供援助，并保证退伍军人有兴趣进入市场的一个新的家园。
Whether you are new to the housing market or you have been involved for decades, it pays to stay informed about recent developments.不管您是新的住房市场或您已参与了数十年，它自付留在了解最近的事态发展。New housing starts are at an all time high, and interest rates are very reasonable.新房屋开工正处于一个所有的时间高，利息是非常合理的。This creates an excellent climate for prospective homeowners.这将创建一个很好的气候准业主。The time just might be right for you to buy your first home!时间，只是可能会更适合你购买你的第一个家！ Article Author Seymore Hennigan文章作者 seymore亨尼根
Seymore Hennigan has worked in finance for many years. seymore海尼干工作，在财务多年。When he is not crunching numbers or advising his family and friends on investments, he writes freelance articles for http://www.mortgageguide101.com - an independent mortgage guide filled with extensive information about GMAC Mortgage .当他不是业绩或提供意见，他的家人和朋友的投资，他写道，自由的文章http://www.mortgageguide101.com -一个独立的按揭指南充满了广泛的信息关于我们的按揭。
REAL ESTATE (St. Petersburg Times)房地产（圣彼得堡时报） Residential real estate In this section you can find different offers on residential real estate from the leading real estate agencies: Apartments for all tastes: standard to luxurious, short or long terms.住宅房地产在本节中，您可以找到不同的优惠，住宅房地产从领导地产代理商：公寓为所有的口味：标准，以豪华，短期或长期的条款。
Bad Credit Mortgage Loan - Get Approved信用不良者的按揭贷款-获得批准 A few years ago, if you had a bankruptcy or a foreclosure on your credit report, you could forget about trying to get a mortgage loan.几年前，如果你有破产或一赎就您的信用报告，您可以忘记，试图获得按揭贷款。If you were lucky enough to find someone who would finance you, your interest rate would be through the roof and plan on putting 10-20% down.如果你有幸找到谁，有人会财务您，您的利息将透过屋顶，并计划把百分之十至二十。But today, this is not the case.但今天，这是情况并非如此。There are many programs available today to help people who have recently suffered a ban.有很多程序可用的今天，以帮助人们谁最近遭受了禁令。. 。. 。. 。 Read The Rest Of This Article阅读本文的其余部分
Mortgage Leads and Credit Advice按揭线索和信贷的意见 The Top 5 Reasons to Buy a Home : 1.最常见的5个理由来购买一个家： 1 。Save on your income tax.节省您的入息税。Yes, something good can come out of income tax.是的，好东西可以出来所得税。Due to income tax deductions, the government subsidizes your home purchase.由于所得税中扣除，政府补贴您的自置居所。Therefore all of the interest and property tax you pay throughout the year can be deducted from your gross income tax.因此，所有的利益及物业税，你的薪酬在整个一年中可以扣除从您的总收入税。A nice perk. 1尼斯点亮。2. 2 。A Hidden Savings Account.一个隐藏的储蓄帐户。If you are anything like me, you can't sa.如果你是什么和我一样，你不能SA服务。. 。. 。. 。 Read The Rest Of This Article阅读本文的其余部分
Home Equity – Let the Market Eliminate Your Private Mortgage Insurance首页股票-让市场来消除您的私人按揭保险 In decades past, most people who were interested in obtaining a home loan were required to put down at least 20% of the purchase price.在过去几十年来，大多数人谁有兴趣在取得购屋贷款须放下至少有20 ％的购买价格。Those days are gone, and as home prices have risen faster than incomes, the average down payment required by lenders has dropped.那些日子已成过去，正如房价上涨速度比收入，平均首期付款所需要的贷款下降。In fact, it is often possible to buy a home with no down payment at all.事实上，这是经常可能买回家，没有首期在所有。Nationally, the average down payment is a 3%.在国家，平均首期付款是3 ％ 。It’s nice to be.很高兴。. 。. 。. 。 Read The Rest Of This Article阅读本文的其余部分
Bad Credit Home Loans信用不良住房贷款 There was a time that seems like decades ago when people with less than pristine credit were not able to get home loans.曾经有一段时间似乎是想在数十年前当人们少于原始信用，无法取得住房贷款。At that time people with bad credit were all but assured that their dreams of homeownership would never come to fruition.在当时的人与信用不良者，但均保证他们的住房梦，绝不会来的成果。Luckily, for many people, those days are long gone.幸运的是，对于很多人来说，那些日子是早已远去。Homeownership is possible for people with bad credit and no credit history at all thanks in large part.住房是有可能的人与信用不良者和没有信用记录，在所有的感谢在很大一部分。. 。. 。. 。 Read The Rest Of This Article阅读本文的其余部分
Home Equity Loan vs. 401(K) Loan –Which should you choose?房屋净值贷款与401 （ k ）计划的贷款应您选择？ You've finally decided to add that patio you've always wanted to your home.您终于决定要补充一点的天井，您一直想您的家庭。Now you can enjoy barbecue outdoors and get a little fresh air every now and again.现在，您可以享受户外烧烤，并得到一点新鲜的空气，每一个现在。But how are you going to pay for it?但你将如何支付呢？If you're like most people, you don't have cash for home repairs just lying around the house.如果您最喜欢的人，你不用现金回家修理只是躺在周围的房子。You'll have to borrow.您必须借镜的地方。So where should you go to borrow?因此，应在哪里你去借钱？Mortgage rates are low these days, so a home equity .抵押贷款利率低，这些天来，所以在家的公平性。. 。. 。. 。 Read The Rest Of This Article阅读本文的其余部分
