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A twenty to thirty fixed rate mortgage is almost always better for the buyer than a floating rate loan.

Not true. It is very dependent on the circumstances of the individual taking out the loan, which doesn't translate to "almost always". For those who have the ability to handle the maximum possible payment and have specific plans to have the loan paid off (home sold, loan refinanced, loan paid off some other way) prior to the 8 - 10 year time frame where the total costs (including closing costs) of the floating rate mortgage are less than the total costs of the fixed rate mortgage, variable rate loans are a better deal.

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