Today's best mortgage and refinance rates: Thursday, October 8, 2020 - Business Insider

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You could lock in a rate below 3% for the entire life of your loan with a fixed-rate mortgage

Refinance rates for 30-year and 10-year terms have gone up since last Thursday, while 15-year refinance rates have gone down by two basis points. Since this time last month, 30-year rates have decreased, and 15-year and 10-year rates have increased.than on a shorter term, like a 15-year fixed loan. In the past, 30-year fixed mortgages have charged higher rates than adjustable-rate mortgage. But right now, 30-year mortgages are more affordable than adjustable mortgages.

The down side is the higher monthly payments. Because you're squeezing the same principal into less time, you'll pay more each month than you would with a 30-year loan.It isn't very common to get a 10-year fixed rate on an initial mortgage. But you might refinance into a 10-year mortgage after you've paid down some of your loan.How do 5/1 ARMs work?

Adjustable rates used to be lower than fixed rates during the introductory rate period, but this is no longer the case. This means ARMs are less beneficial than they used to be.

 

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