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The 30-year fixed-rate loan is the most common term in the United States, but as the economy has went through more frequent booms & busts this century it can make sense to purchase a smaller home with a 15-year mortgage. If a home buyer opts for a 30-year loan, most of their early payments will.
The benchmark 30-year fixed-rate mortgage fell this week to 3.83 percent from 3.91 percent, according to Bankrate’s weekly survey of large lenders. Lower rates might have also spurred refinance applications, which shot up by 14 percent from the previous week and are 133 percent.
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