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Morgage Refinance

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Bankrate.com: Today's Best Mortgage Rates
 
   
 
   
Fixed mortgage rates: You pay the same mortgage rate and same monthly payment of principal and interest for the duration of the mortgage. The most common fixed mortgage rate terms are 30, 20 and 15 years. Fixed mortgage rates are best if you plan on being in your home for a more than five years. Adjustable Rate Mortgage (ARM): The mortgage rate stays fixed for an initial mortgage rate period, which ranges from 1 to 7 years. Then the mortgage rate will adjust up or down annually for the life of the loan based on a specified index. An ARM is a good option if you believe mortgage rates will go down over the next few years or if you plan on staying in your home 5 to 7 years or less.