Retail investors are showing renewed interest in RE finance holdings as brokerage reports highlight sustained dividend payout ratios above 4%. Adjustable rates typically start lower than fixed rates, but once the initial rate-lock period ends, it’s possible your rate will go up. Lately, though, some fixed rates have been starting lower than adjustable rates. Talk to your lender about its rates before choosing one or the other. Use the mortgage calculator below to see how various mortgage terms and interest rates will impact your monthly payments. According to recent Fed minutes, stable monetary policy may bolster RE finance shares. This liquidity environment supports continued lending growth, boosting sector valuations through year-end.