Your response will guide you in selecting loan programs, loan terms, loan fees and in making the decision to lock or float your loan. For example, if you plan to stay in your home for less than the time it takes to break even, you may consider a higher note rate. For more information, read about our loan types. You can also use our online calculators to determine such things as the best option between fixed or adjustable rates, 15 or 30 year terms, and more.