Refinance rates have increased by a few basis points since last Wednesday — although the 30-year fixed mortgage rates have increased the most — and they've gone up since this time 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.
Your monthly payments will be higher than with a 30-year mortgage, though. You're squeezing the same loan principal into a shorter amount of time, so you'll pay more each month.Some lenders offer 10-year fixed-rate terms for initial mortgages, but it's more common to get a 10-year term on a refinanced loan.
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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