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In the business of making an impact As an Allstate Agency Owner, you'll help the people in your community find the protection they need. And, you can proudly represent a Fortune 100 company with a deep commitment to diversity, equity and inclusion. DiversityInc's Top 50 Companies for Diversity (2003 – 2022, 19-time award winner) DiversityInc's Top 50 Companies for Diversity (2003 – 2022, 19-time award winner)

Mortgage loan types

There are many types of mortgages used worldwide, but several factors broadly define the characteristics of the mortgage. All of these may be subject to local regulation and legal requirements. Interest: Interest may be fixed for the life of the loan or variable, and change at certain pre-defined periods; the interest rate can also, of course, be higher or lower. Term: Mortgage loans generally have a maximum term, that is, the number of years after which an amortizing loan will be repaid. Some mortgage loans may have no amortization, or require full repayment of any remaining balance at a certain date, or even negative amortization.

Payment amount and frequency: The amount paid per period and the frequency of payments; in some cases, the amount paid per period may change or the borrower may have the option to increase or decrease the amount paid. Prepayment: Some types of mortgages may limit or restrict prepayment of all or a portion of the loan, or require payment of a penalty to the lender for prepayment.