Today's best mortgage and refinance rates: Friday, September 18, 2020 - Business Insider

Refinance rates are down across the board since last Friday, and there's an even bigger decrease since this time last month.You'll pay a higher rate on a 30-year fixed-rate mortgage than on shorter-term loans with fixed rates. Normally you'd also pay more for a 30-year fixed mortgage than for an adjustable-rate mortgage, but currently, a 30-year fixed mortgage is more affordable than a 5/1 ARM.

You'll save money in the long run, though, because the rate is lower, and you'll be making payments for a shorter amount of time.A 10-year fixed-rate mortgage isn't very common for an initial mortgage. But you might refinance into a 10-year mortgage after you've paid down some of your loan. , then you should still ask your lender about what your individual rates would be if you chose a fixed-rate versus adjustable-rate mortgage.Think about refinancing soon if your finances are in a good place. Starting December 1, 2020,. Starting the process now could save you money. But if you have a low credit score or high debt-to-income ratio, it still might be better to wait.

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