The 2nd annual Riverfest celebration in Tower aims to be bigger and better than last year’s series of concerts, with additional activities for all ages. Moreover, asking your lender whether a rate if fixed or adjustable is important when you're on the look out for the best rate. Remember that adjustable rates, despite their low interest rates, might not have the best mortgage rates. Adjustable rate mortgages only have low interest rates in their first year, after which, rates either tend to go up or go down.