Buying a home

Choose the mortgage that fits your needs

No doubt about it. Buying a home is an exciting and important time in your life. But before you enjoy the pleasures of home ownership, it's important that you get the home mortgage that works for your particular situation. Whether you choose a fixed-rate or adjustable rate mortgage (ARM), through Everbank home lending, we'll help you find the home financing product that meets your needs.

Couple sitting with moving boxes.

Which home loans are right for me—fixed-rate mortgages vs. adjustable-rate mortgages

How long do you plan to stay in your home? Prefer a consistent mortgage payment? These are just some of the things to consider when choosing a mortgage loan. And based on your responses to these questions, you'll be better able to pick the type of mortgage that's best for you—a fixed rate mortgage or an ARM.

Fixed-rate mortgage   Adjustable-rate mortgage1
Fixed mortgage payment over the life of the loan   Initial period of a fixed mortgage payment followed by periodic adjustments to your monthly payment. Adjustments may increase or decrease—depending on interest-rate fluctuations.
Choice from 15-to 40-year terms   Choice of fixed initial rates from 1 to 10 years
Quick pre-approval for qualified borrowers   Quick pre-approval for qualified borrowers
Lock in your mortgage rate up to 30 days before closing   Lock in your mortgage rate up to 30 days before closing

I need home financing and want to get the lowest mortgages rates. What's next?

Call 800.669.3595 to talk to a Mortgage Expert now. They'll help you select the mortgage that's right for you.

Mortgage Calculators

Fixed-rate mortgage calculator

ARM vs. fixed-rate mortgage

Mortgage APR calculator

Refinance

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Everhome Mortgage, a division of EverBank. EverBank is an Equal Housing Lender.

1. This is a variable rate loan product. Rates and monthly payment amounts may increase after closing.