Phone number


Monique Bravo

Mortgage Loan Originator

NMLS# 2358138 

Georgia Residential Mortgage Licensee

Monique Bravo - CCM Business Card

There are many different loan programs to chose from. That’s why it is important to work with a mortgage loan officer who understand what you need and what will work for you.

Mortgage Rate Options

Fixed Mortgage Rates

The most common of home mortgage rate options is the fixed rate mortgage, which provides the borrower with a constant interest rate for the duration of the loan, ensuring stability and predictability. Fixed rate mortgages come with terms that can range from 10 to 30 years, making them an ideal choice for individuals who wish to establish a budget and adhere to it by paying off their mortgage, even early if possible.

Adjustable Mortgage Rates (ARMs)

If you're seeking more flexibility in your mortgage, an Adjustable Rate Mortgage (ARM) may be a better choice than a fixed rate mortgage. With an ARM, you can benefit from lower initial mortgage payments since you agree to allow the interest rate and monthly payment to fluctuate over time.

Interest Mortgage Rates

When a mortgage's monthly payment doesn't include the repayment of principal for a specified time, it's referred to as an "Interest Only" mortgage. Interest Only loans are available on both fixed rate and adjustable rate mortgages, as well as on option ARMs. Once the interest only period ends, the loan becomes fully amortized, which leads to a significant increase in monthly payments.

If you have questions or if you would like a free consultation contact me today!

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