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Banks are the normal mortgage lender. If you don't pay again the mortgage (together with all of the charges and curiosity which might be included with it), then the lender can take your home. With a set-rate mortgage, your month-to-month fee remains roughly the identical for the life of the loan. Not only does your interest price never change, however your monthly mortgage cost stays the same for 15, 20 or 30 years, depending on the length of your mortgage. What changes from month to month and year to yr is the portion of the mortgage payment that pays down the principal of the loan and the portion that is pure curiosity

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