Today's best mortgage and refinance rates: Friday, October 23, 2020 - Business Insider

The 30-year and 15-year fixed refinance rates have increased since last Friday, and 10-year fixed rates have held steady. Refinance rates have increased overall since last month.comes with a higher interest rate than fixed-rate loans with shorter terms. For a long time, 30-year fixed rates were higher than adjustable rates. But right now, 30-year fixed rates the better deal.

Short-term costs will be higher, though. You'll pay more per month than you would on a 30-year loan, because you're fitting the same loan principal into a shorter amount of time.A 10-year term isn't very common for an initial mortgage, but you may refinance into a 10-year fixed mortgage. You used to be able to get a lower rate during the intro rate period with an ARM than with a fixed-rate mortgage, but that isn't the case right now — fixed mortgage rates are generally lower.

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