Almost any lender that offers a fixed-rate mortgage will offer a 10-year mortgage. Mortgage rates for a 10-year mortgage usually aren't any better than the rates offered for a 15-year mortgage. That said, be sure to shop around to find a competitive rate, and don't forget to include local portfolio lenders in your search. Getting a fixed-rate mortgage with a term as short as 10 years will save you a lot of money on interest costs, but if the higher monthly payment makes it too difficult to qualify, you might also consider taking a 15-year term and prepaying your mortgage when your finances permit doing so.
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