I am generally a conservative person, and wanted peace of mind from knowing that the interest rate and monthly payment is fixed throughout the life of the loan. I want the best long-term loan program, and Real Solution Mortgage got it for me. I was offered a 15 year fixed, but I opted for the 30 fixed because of the lower payment. I pay $2,098 monthly on a $350,000 loan, which works great because my income is fixed, and I now know what my monthly expenses are going to be.