While all three rates have increased in the last week, refinance rates have decreased overall since this time last month.The 30-year fixed-rate mortgages charge higher interest rates than fixed-rate mortgages with shorter terms. In the past, they've also had higher rates than adjustable-rate mortgages — but right now, fixed rates are better deals than adjustable rates.
Your monthly payments will be higher with a 15-year mortgage, though, because you're paying off the principal in 15 years instead of 30 years.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.Consider refinancing soon if your finances are in a good place. Starting December 1, 2020,. Starting the process now could help you pay less at closing. 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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