A fixed-rate mortgage is a home loan where the interest rate stays the same for the entire life of the loan—usually 15, 20, or 30 years. This consistency gives investors predictability: your monthly principal and interest payments won’t change, even if market rates go up. For cash flow–focused investors, especially those holding properties long term, a fixed-rate loan removes a lot of financial uncertainty. Meridian buyers often use fixed-rate loans to lock in stable returns and hedge against inflation. It’s one of the most reliable financing options in real estate.
