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Securing your rural dream property—whether it's land, a farm, or a country home—requires understanding your financing options. This video from FCS Financial breaks down the differences between the main interest rate types to help you make an informed decision.

Fixed vs. Variable vs. Adjustable

  • Variable Rate Loans: The interest rate can change monthly based on market averages. These loans are a good option if you expect rates to fall, but you should be prepared for potential volatility.
  • Adjustable Rate Loans: The rate is fixed for a set period and then adjusts. They often have lower initial rates but can rise later. Be aware that some lenders may refer to an adjustable-rate loan as a fixed-rate loan, even though it's only fixed for a period, not for the entire life of the loan.
  • Fixed-Rate Loans: The interest rate is locked in for the entire life of the loan. This option offers stability and is ideal for those who prefer financial certainty, especially in a rising interest rate market.

Ultimately, your choice depends on your management style and comfort level with risk. For long-term stability and to limit risk in rising markets, a fixed-rate loan is a great option.

Choosing the right interest rate is a big decision, and our loan officers are here to help you navigate your options. Connect with us today to discuss your specific needs and find the loan that’s right for you.

Call to Action: Ready to find the perfect loan for your rural property? Our loan officers are ready to help. Find a local loan officer or call 1-855-507-2276.

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