Home Buyers Getting More Conservative?

Borrowers tend to fall into two camps: Conservative buyers who are willing to pay more now for not having the risk of payments going up later, and the rest who focus almost solely on the monthly payments, asking "what is the smallest payment that will get me into a house?"

Both groups are shying away from short-term adjustable loans.

For conservative borrowers, the chance that the payment could increase beyond their comfort level is a very real and unwelcome possibility. They prefer the certainty of a fixed-rate 15- or 30-year mortgage.

For buyers intent on getting the smallest possible monthly payment, adjustable rates are no longer automatically the ideal. Payments can go up and the ability to refinance in a few years is not a sure thing anymore.

Which camp do you find yourself in right now? We'd love to hear your commment below.

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