Refinance rates for 30-year, 15-year, and 10-year fixed-mortgages have all decreased since this time last week. The refinance rates for 15-year and 10-year mortgages have gone down since August 4, while 30-year rates have increased a couple basis points.Usually, the 30-year fixed rates are higher than 15-year fixed or 5/1 ARMs.
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. You'll pay less than with a 15-year mortgage, because you aren't trying to pay back the entire loan in a shorter amount of time.might be better if you plan to stay in the home for a long time, because you risk rates increasing by the time the introductory period ends. As a result, you could pay more in the long run.Rates are at historic lows right now and continuing to decrease. This could be a good time to buy a home or refinance.many borrowers will pay a fee of 0.
True indeed
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