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Weigh mortgage options carefully

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If you’re purchasing a new home or refinancing your existing one, you’ve got some mortgage-related decisions to consider. And since your mortgage may well be the biggest financial transaction you ever make — and one that can affect your long-term financial goals, such as retirement — you’ll want to weigh your options carefully.

What types of choices might you face? Here are some of the most important ones:

• Fixed or adjustable? With a fixed-rate mortgage, your payment will remain the same throughout the life of your loan.

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