The rate is determined at closing, and your monthly mortgage payments remain the same throughout the term of the loan. The most common fixed-rate mortgages have either a 15- or 30-year duration, and account for 75 percent of all home loans.
4. Craigslist. You can sell lots of valuable items on Craigslist, but perhaps the most popular is furniture. Craigslist is perfect for getting rid of large, heavy furniture because the buyers are local; theyâll come to you and take it off your hands. The only fingers youâll have to lift are the one that take the money.
File photo. (REUTERS/Kacper Pempel/Files) When you want to buy or sell something used online, your first thought might be to use Craigslist. After all, it's the site that brought the newspaper classifieds into the digital world and today has nearly 40 million new listings every month. Of course, using Craigslist does have valid concerns.