A mortgage is usually secured by the real property being purchased and sometimes through personal property

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Fix it. I fixed 75% of it almost a year ago when everybody told me not to at 6.5% for 4 years. For that same term you now pay 8.5%

I think variable rates will snap up suddenly and then there will be a run on fixed rates that will shoot up even faster.

Staying on variable rates is a dangerous cat and mouse game that is bound to bite you in the ass because those rates are about as low as they will go.