If you wish to keep your monthly payments as predictable as you can, you should use a

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A 30-year fixed rate mortgage provides the most predictable monthly payments because it locks in a set interest rate for the entire 30 years of the loan, providing you with a consistent payment amount each month. A 15-year fixed rate mortgage may have higher monthly payments because it has a shorter loan term, while a variable rate mortgage has interest rates that can fluctuate, which can make monthly payments unpredictable.

If You Wish to Keep Your Monthly Payments as Predictable