The 30-year refinance rates have gone down since last Friday. The 15-year and 10-year refinance rates have each gone up, although 10-year rates only increased by a single basis point. The 30-year and 15-year refinance rates have increased since the end of September, and 10-year rates have decreased.than on 15-year or 10-year fixed-rate mortgages. For a long time, you'd also pay a higher rate on a 30-year fixed loan than on a 5/1 ARM. But right now, 30-year fixed rates the better deal.
However, your monthly payments will be higher on a 15-year loan than on a 30-year loan. You're paying off the same principal amount in a shorter amount of time, so you'll pay more each month.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 right now, fixed rates are lower.
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