Answer:
I think the answer is A. Your interest rate changes annually, therefore, you may be able to get a lower rate.
Explanation:
The main advantage of a fixed-rate loan is that the borrower is protected from sudden and potentially significant increases in monthly mortgage payments if interest rates rise. Fixed-rate mortgages are easy to understand and vary little from lender to lender.
I hope this helps u! :D
It is Probably the 3rd one or the second one
