Four-year-old Prince Louis made his debut, holding the hand of his mother, the Princess of Wales. He glanced seriously at the waiting media as he entered and later left the service, while the Princess offered a brief smile and a greeting. His elder sister Charlotte gave a sweet hello to well wishers watching on.

The most common loan terms are 15 years and 30 years, although 10-, 20- and 40-year mortgages also exist. When picking a mortgage, it's important to consider the loan term, or payment schedule. After that, the rate adjusts annually based on the market rate. How does the loan term impact my mortgage? Unlike a fixed-rate mortgage, baltimore county tutors the interest rates for an adjustable-rate mortgage are only the same for a certain amount of time (commonly five, seven or 10 years). The interest rates in a fixed-rate mortgage are the same for the duration of the loan. Another important distinction is between fixed-rate and adjustable-rate mortgages.

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