"First-time house hunters will often have no recourse but to take out a 30-year mortgage, Hess claimed. Depending on the final price of the house, the modestly low payments spread out over the term may be attractive. However, an adjustable-rate mortgage may suit homeowners looking to resell the place before long. Applying for a mortgage will work to your benefit as long as you have all bases covered before you ever fill up the application. A trusted Memphis mortgage company like Churchill will have your best interests in mind."
http://memphis.churchillmortgage.com/blog/2013/12/09/points-you-should-consider-with-good-mortgage-companies-in-memphis-tn/
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