To properly analyze a Mortgage Program, the borrower needs to think about how long they plan to keep the loan. If you plan to sell the house in a few years, an adjustable (variable rate) loan may make more sense. If you plan to keep the house for a longer period, a fixed loan may be more suitable.

Shopping for a loan is very time consuming and frustrating. With so many programs to choose from, each with different rates, points and fees, an experienced mortgage professional can evaluate a borrower's situation and recommend the most suitable Mortgage Program, thus allowing the borrower to make an informed decision.