Are 15-year, fixed-rate mortgages a good choice for refinancing? They often are, especially for homeowners well along in an existing 30-year mortgage; these can be used to chop years off of a remaining mortgage term, and often at the same or even lower than their current monthly payment.

These are not marketing rates, or a weekly survey. The rate for a 15-year fixed home loan is currently 2.98 percent. Association Weekly Application Index will show activity for both refinance and.

 · Rates are falling for all types of mortgages, and the average 15-year fixed loan has hit an all-time low of 2.56%, according to Freddie Mac. Meanwhile, 30-year fixed-rate loans, at 3.35%, are within 0.04 percentage points of their all-time low last fall.

The national averages for 30-year fixed and 15-year fixed refinances both dropped. The average rate on 10-year fixed refis, meanwhile, also were down. The average 30-year fixed-refinance rate is 4.29.

A 15-year mortgage can save you money in the long run. Interest rates on 15-year mortgages typically are lower than the interest rates on longer-term home loans, and you pay interest for a shorter time. Interest rate: 5.875% 4.875% 4.25% Mortgage payment: $842.97 $848.99 $977.96 1) Total payments include $16,000 of additional equity.

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This refinancing opportunity has arrived because mortgage rates have been falling for about seven months. Not a lot of press attention has been paid to the decline, so it might catch some homeowners.

The 15 Year Mortgage Rate is the fixed interest rate that US home-buyers would pay if they were to take out a loan lasting 15 years. There are many different kinds of mortgages that homeowners can decide on which will have varying interest rates and monthly payments.

5 days ago. The average offered rate for a 15-year FRM with the same terms. Displaying Today's Mortgage Rates for a $150000 Refinance loan in ca.. 30 year fixed mortgage rates today from 4.875%.. Plug in your numbers and find out the best way to pay for your refinance – find out how to save the most money.

 · And rates on a 15-year mortgage are even lower than rates on a 30-year mortgage. Freddie Mac’s average 30-year mortgage rate for October 2017 was 3.90%. But you could get a 15-year mortgage for 3.20% or even less ( see current interest rates here ). The spread doesn’t seem like a lot.