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15 Year Fixed Mortgage This is a loan with a term of 15 years where the interest rate does not change. Because the payback period is a lot less than the standard 30 year loan, the monthly payment size is much larger than a comparable 30 year loan. This allows you to pay off a mortgage and build equity much sooner. The advantage of this type of loan is that the interest rate is usually lower than a 30 year fixed loan. |