15-Year Mortgage Refinance Rates: Compare Current Rates

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Mortgage rates differ depending on where you live and your financial profile. This is why comparing offers from multiple lenders is so important.</p>"},{"question":"What is the lowest 15-year refinance rate ever?","answer":"<p class=\"faq-answer\">Average 15-year mortgage rates hit 2.10% in the last week of July 2021 and remained there through the first week of August 2021, according to Freddie Mac data. This is the lowest 15-year rates have ever been since Freddie Mac started tracking them in 1991.</p>"},{"question":"Can you do a 15-year cash-out refinance?","answer":"<p class=\"faq-answer\">If you're looking to take cash out of your home and stay in or refinance into a shorter term, a 15-year cash-out refinance could be a great option for you. Just remember that when you refinance into a shorter term, your monthly payment will go up.</p>"},{"question":"What are the pros and cons of refinancing a 15-year mortgage?","answer":"<p class=\"faq-answer\">The main pro of refinancing into a 15-year mortgage is that the shorter term will allow you to save money on interest because you'll get a lower interest rate and pay less in interest over the life of the loan. But the main con is that you'll have a larger monthly payment than you would with a longer term. </p>"},{"question":"What makes 15-year refinance rates different from 30-year rates?","answer":"<p class=\"faq-answer\">Shorter mortgage terms have lower interest rates compared to longer terms, so you'll pay less in interest on a 15-year refinance compared to a 30-year refinance. Because you're borrowing the money for a shorter amount of time, there's less risk to the lender, so they're able to offer lower rates on shorter terms.</p>"},{"question":"How can I qualify for the best 15-year refinance rate?","answer":"<p class=\"faq-answer\">To get the best 15-year refinance rate, you'll want to make sure you have a great credit score, a decent amount of equity in your home, and a low debt-to-income ratio. </p>"},{"question":"Will refinancing to a 15-year mortgage always save money?","answer":"<p class=\"faq-answer\">Not necessarily. Mortgage rates have increased significantly in recent years. If you got your current mortgage when rates were historically low, you probably wouldn't save by refinancing into a 15-year mortgage, even if you're currently paying a 30-year loan. 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window.allScripts.push({ type: "load", script: "%3Cscript%20src%3D%22https%3A%2F%2Fwww.googletagmanager.com%2Fgtm.js%3Fid%3DGTM-MP6F46L%22%20data-consent%3D%22ANALYTICS%22%20data-track-load%3D%22gtm%22%3E%3C%2Fscript%3E" });</script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"Article","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.businessinsider.com/personal-finance/mortgages/15-year-refinance-rates"},"editor":{"@type":"Person","name":"Richard Richtmyer, CEPF"},"author":[{"@type":"Person","name":"Molly Grace","sameAs":"https://www.businessinsider.com/author/molly-grace"},{"@type":"Person","name":"Elias Shaya","sameAs":"https://www.businessinsider.com/author/elias-shaya"}],"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"15-year Mortgage Refinance Rates: Compare Current Rates","alternativeHeadline":"15-year Mortgage Refinance Rates: Compare Current Rates","image":{"@type":"ImageObject","url":"https://i.insider.com/63e6b80296242f0019e872db?width=1200&format=jpeg","width":1200,"height":900,"caption":"Average 15-year refinance rates have been decreasing this year."},"name":"15-year Mortgage Refinance Rates: Compare Current Rates","datePublished":"2024-12-02T19:45:12Z","dateModified":"2024-12-02T19:45:12Z","description":"Check out our guide on 15-year mortgage refinance rates in 2024. Learn how to get the best rates, understand market trends, and calculate potential savings.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate mortgages to write unbiased product reviews.Refinancing into a 15-year fixed-rate mortgage can help homeowners save on interest and pay off their mortgages faster.Check out today's 15-year refinance rates to see if one of these loans makes sense for you.In November, 15-year refinance rates averaged 5.96%, according to Zillow data. This is 29 basis points up from the month before. Refinance rates, along with other types of mortgage rates, have increased in the last couple of months. But they should fall in 2025.See how today's 15-year refinance rates compare to other types of mortgage refinance loans.Record high inflation pushed mortgage rates up across the board over the past few years. Inflation has come down a lot since it peaked in 2022, and it's nearing the Federal Reserve's target rate of 2%.As inflation slows further and the Fed lowers the federal funds rate, mortgage rates should go down.If you're thinking about refinancing, you could have an opportunity to do so next year. Rates will likely remain near their current levels in the near term, but they're expected to go down in 2025.Mortgage rates are largely determined by investor demand, which in turn is influenced by what's going on in the broader U.S. economy.In general, when the economy is strong or inflation is high, mortgage rates go up. When economic growth is slow or we're in a recession, mortgage rates typically go down. Rates also depend on the financial profile of the borrower getting a mortgage. The more creditworthy you are, the better your rate.\"The benefits are that you will pay off your mortgage sooner,\" says Jose Hernandez, a real estate agent with Coldwell Banker Realty in Chicago. \"However, the drawback is that your monthly payment will be much higher compared to a 30-year mortgage.\"Hernandez advises that borrowers should only opt for a 15-year mortgage if they can lower their interest rate by more than two percentage points or if their new mortgage payment will be similar to their current one.\"The key is to have a monthly payment that you will be able to afford every month without struggling,\" he says.Mortgage rates on a 15-year refinance are lower than 30-year refinance rates. The shorter the term, the lower your rate.Because you're paying off your mortgage faster, you'll build equity more quickly than you would with a 30-year term.Because the terms are shorter and interest rates are lower, borrowers with a 15-year mortgage will pay less in interest over the life of the loan compared to a borrower with a 30-year mortgage.If you plan to stay in your home long term, getting a 15-year mortgage can be beneficial because you'll own your home outright much faster than with a 30-year mortgage.The downside of a shorter mortgage term is that you'll have larger monthly payments. This leaves less money in your budget for other needs, wants, or financial goals.If the higher monthly payment that comes with a 15-year mortgage pushes your debt-to-income ratio too high, you might not qualify to refinance.You can pay down debt, limit your credit card usage, or ask your credit card issuer for a credit line increase to improve your credit score. Mortgage rates and loan fees vary by lender, so be sure to compare offers from at least two or three different lenders to see who can offer you the best overall deal. If you like your current mortgage lender, you may decide to get preapproved there first. But don't assume that they'll still have the best mortgage refinance rate — there may be another lender that can offer you a better deal now.Use Insider's free mortgage calculator to see how much you could save on interest by choosing a 15-year term for your mortgage refinance.Refinancing is typically only worth it if you plan to stay in the home long enough that you pass the break-even point. This is the point at which you've recouped the amount you spent on the refinance.For example, say you paid $2,000 in closing costs to refinance and the new mortgage is $100 less per month than your original mortgage. Your break-even point is the point at which you've saved enough each month to equal $2,000. To find this, divide 2,000 by 100. If 2,000 ÷ 100 = 20, then that means it would take 20 months, or a year and eight months, to break even.When you refinance your mortgage, you'll need to decide whether you want to do a rate-and-term or cash-out refinance. The difference is that you won't be taking any equity out of your home with a rate-and-term refinance. A cash-out refinance lets you tap into some of the money you've gained in your home and convert it into cash. You'll get that cash at closing and you can use it for whatever you want, such as a home improvement or to pay off other debts.The lender with the best 15-year refinance rates can vary a lot from one borrower to the next. Mortgage rates differ depending on where you live and your financial profile. This is why comparing offers from multiple lenders is so important.Average 15-year mortgage rates hit 2.10% in the last week of July 2021 and remained there through the first week of August 2021, according to Freddie Mac data. This is the lowest 15-year rates have ever been since Freddie Mac started tracking them in 1991.If you're looking to take cash out of your home and stay in or refinance into a shorter term, a 15-year cash-out refinance could be a great option for you. Just remember that when you refinance into a shorter term, your monthly payment will go up.The main pro of refinancing into a 15-year mortgage is that the shorter term will allow you to save money on interest because you'll get a lower interest rate and pay less in interest over the life of the loan. But the main con is that you'll have a larger monthly payment than you would with a longer term. Shorter mortgage terms have lower interest rates compared to longer terms, so you'll pay less in interest on a 15-year refinance compared to a 30-year refinance. Because you're borrowing the money for a shorter amount of time, there's less risk to the lender, so they're able to offer lower rates on shorter terms.To get the best 15-year refinance rate, you'll want to make sure you have a great credit score, a decent amount of equity in your home, and a low debt-to-income ratio. Not necessarily. Mortgage rates have increased significantly in recent years. If you got your current mortgage when rates were historically low, you probably wouldn't save by refinancing into a 15-year mortgage, even if you're currently paying a 30-year loan. You'll also need to consider the overall cost of the loan, including closing costs.Mortgage rates, including 15-year refinance rates, have increased in October after trending down for several months.You can use a mortgage calculator or refinance calculator to see how much you could save each month and over the life of the loan. But remember to also calculate how long it will take you to recoup any closing costs you might pay.","articleSection":"Personal Finance, Loans, Mortgages","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Who has the best 15-year refinance rates?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The lender with the best 15-year refinance rates can vary a lot from one borrower to the next. Mortgage rates differ depending on where you live and your financial profile. This is why comparing offers from multiple lenders is so important.</p>"}},{"@type":"Question","name":"What is the lowest 15-year refinance rate ever?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Average 15-year mortgage rates hit 2.10% in the last week of July 2021 and remained there through the first week of August 2021, according to Freddie Mac data. This is the lowest 15-year rates have ever been since Freddie Mac started tracking them in 1991.</p>"}},{"@type":"Question","name":"Can you do a 15-year cash-out refinance?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">If you're looking to take cash out of your home and stay in or refinance into a shorter term, a 15-year cash-out refinance could be a great option for you. 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Because you're borrowing the money for a shorter amount of time, there's less risk to the lender, so they're able to offer lower rates on shorter terms.</p>"}},{"@type":"Question","name":"How can I qualify for the best 15-year refinance rate?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">To get the best 15-year refinance rate, you'll want to make sure you have a great credit score, a decent amount of equity in your home, and a low debt-to-income ratio. </p>"}},{"@type":"Question","name":"Will refinancing to a 15-year mortgage always save money?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Not necessarily. Mortgage rates have increased significantly in recent years. If you got your current mortgage when rates were historically low, you probably wouldn't save by refinancing into a 15-year mortgage, even if you're currently paying a 30-year loan. You'll also need to consider the overall cost of the loan, including closing costs.</p>"}},{"@type":"Question","name":"What are the current trends in 15-year mortgage refinance rates?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Mortgage rates, including 15-year refinance rates, have increased in October after trending down for several months.</p>"}},{"@type":"Question","name":"How do I calculate whether refinancing to a 15-year mortgage is worth it?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">You can use a mortgage calculator or refinance calculator to see how much you could save each month and over the life of the loan. 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It often indicates a user profile.</desc> <path class="account-icon-path" fill-rule="evenodd" clip-rule="evenodd" d="M9 0C6.23858 0 4 2.23858 4 5C4 7.76142 6.23858 10 9 10C11.7614 10 14 7.76142 14 5C14 2.23858 11.7614 0 9 0ZM6 5C6 3.34315 7.34315 2 9 2C10.6569 2 12 3.34315 12 5C12 6.65685 10.6569 8 9 8C7.34315 8 6 6.65685 6 5Z" fill="#0a0a0a"/> <path class="account-icon-path" d="M5 12C3.67392 12 2.40215 12.5268 1.46447 13.4645C0.526784 14.4021 0 15.6739 0 17V19C0 19.5523 0.447715 20 1 20C1.55228 20 2 19.5523 2 19V17C2 16.2043 2.31607 15.4413 2.87868 14.8787C3.44129 14.3161 4.20435 14 5 14H13C13.7956 14 14.5587 14.3161 15.1213 14.8787C15.6839 15.4413 16 16.2044 16 17V19C16 19.5523 16.4477 20 17 20C17.5523 20 18 19.5523 18 19V17C18 15.6739 17.4732 14.4021 16.5355 13.4645C15.5979 12.5268 14.3261 12 13 12H5Z" fill="#0a0a0a"/> </svg> </a> </div> <button class="menu-wrapper hamburger-btn" data-drawer-toggle="commerce" data-interaction-trigger="drawer" aria-label="Menu" aria-expanded="false" 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data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Current trends </a> </li> <li> <a href="#understanding-15-year-refinance-rates" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Understanding 15-year refinance rates </a> </li> <li> <a href="#benefits-and-drawbacks" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Benefits and drawbacks </a> </li> <li> <a href="#how-to-get-the-best-rate" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to get the best rate </a> </li> <li> <a href="#calculating-savings-and-costs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Calculating savings and costs </a> </li> <li> <a href="#15-year-cash-out-refinance" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > 15-year cash-out refinance </a> </li> <li> <a href="#faqs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </ul> </div> </header> <nav class="component my-insider with-banner style-loading" data-my-insider data-component-type="my-insider" data-load-markup="my-insider/template" data-load-strategy="interaction" > <div 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role="main" > <section id="l-content" class="is-right-rail content-with-sticky-toc" data-track-page-area="Post" data-post-content > <section class="row"> <div class="col-12"> <article class=""> <section class="post-headline-wrapper " id="post-headline" > <div class="post-meta"> <span class="post-breadcrumbs headline-regular "> <a href="/personal-finance" class="" data-track-click="{"product_field":"Personal Finance","element_name":"breadcrumbs","event":"navigation"}" > Personal Finance </a> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate270" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/mortgages" class="" data-track-click="{"product_field":"Mortgages","element_name":"breadcrumbs","event":"navigation"}" > Mortgages </a> </span> </div> <h1 class="post-headline ">15-year Mortgage Refinance Rates: Compare Current Rates</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Molly Grace" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/molly-grace" >Molly Grace</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/richard-richtmyer" >Richard Richtmyer</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/elias-shaya" >Elias Shaya</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-12-02T19:45:12Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-12-02T19:45:12Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> <title>Share icon</title> <desc>An curved arrow pointing right.</desc> <path fill-rule="evenodd" d="M7.336 8.014l4.2-3.5-4.2-3.5v2.8h-2.54c-1.948 0-3.526 1.567-3.526 3.5v3.16h1.469v-3.16a2.05 2.05 0 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helpfulness-mobile-toc-section">Section</span> </div> <div class="sticky-toc-dropdown-button js-sticky-toc-dropdown-button"> <span class="sticky-toc-arrow"><svg class="svg-icon chevron-icon " data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg></span> </div> <menu class="sticky-toc-dropdown helpfulness-mobile-toc"> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#15-year-refinance-rates" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > 15-year refinance rates </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#current-trends" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Current trends </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#understanding-15-year-refinance-rates" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Understanding 15-year refinance rates </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#benefits-and-drawbacks" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Benefits and drawbacks </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#how-to-get-the-best-rate" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to get the best rate </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#calculating-savings-and-costs" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Calculating savings and costs </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#15-year-cash-out-refinance" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > 15-year cash-out refinance </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#faqs" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#15-year-refinance-rates" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > 15-year refinance rates </a> </li> <li> <a href="#current-trends" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Current trends </a> </li> <li> <a href="#understanding-15-year-refinance-rates" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Understanding 15-year refinance rates </a> </li> <li> <a href="#benefits-and-drawbacks" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Benefits and drawbacks </a> </li> <li> <a href="#how-to-get-the-best-rate" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to get the best rate </a> </li> <li> <a href="#calculating-savings-and-costs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Calculating savings and costs </a> </li> <li> <a href="#15-year-cash-out-refinance" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > 15-year cash-out refinance </a> </li> <li> <a href="#faqs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/mortgages/how-we-evaluate-mortgage-lenders" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate mortgages</a> to write unbiased product reviews.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p>Refinancing into a 15-year fixed-rate mortgage can help homeowners save on interest and pay off their mortgages faster.</p><p>Check out today's 15-year refinance rates to see if one of these loans makes sense for you.</p><h2 data-toc-label="15-year refinance rates" id="15-year-refinance-rates" class="toc-anchor">15-year refinance rates</h2><p>In November, 15-year refinance rates averaged 5.96%, according to <a href="https://www.businessinsider.com/personal-finance/mortgages/what-is-zillow" data-analytics-product-module="body_link" rel="">Zillow</a> data. This is 29 basis points up from the month before. <a href="https://www.businessinsider.com/personal-finance/mortgages/current-mortgage-refinance-rates" data-analytics-product-module="body_link" rel="">Refinance rates</a>, along with other types of mortgage rates, have increased in the last couple of months. But they should fall in 2025.</p><div class="myFinance-widget" data-campaign="bi-mtgrt-cashoutrefi-multi" data-widget-id="949ce8ea-ccee-498f-8c33-e019c09fd52f"> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-consent="MARKETING" data-src="https://static.myfinance.com/widget/myFinance.js" data-async="true" data-defer="true"></div> </div><p>See how today's 15-year refinance rates compare to other types of mortgage refinance loans.</p> <div class="mortgage-rates-table-wrapper" data-component-type="mortgage-rates-table" data-root-margin="0px 0px 100% 0px"> <div class="mortgage-rates-table-container"> <span class="mortgage-rates-timestamp headline-regular"></span> <table class="mortgage-rates-table table-content refinance-rates daily "> <tbody class="table-content-body headline-regular"> <tr> <td class="headline-regular headline-semibold"> <strong class="headline-regular headline-semibold">Mortgage type</strong> </td> <td class="headline-regular headline-semibold"> <strong class="headline-regular headline-semibold">Average rate today</strong> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> </tbody> </table> </div> <div class="mortgage-rates-table-credits body-italic"> <span class="mortgage-rates-table-text">This information has been provided by Zillow. See more <a class="not-content-link mortgage-rates-table-link" href="https://www.zillow.com/mortgage-rates/" target="_blank" rel="noreferrer noopener nofollow" data-analytics-product-module="mortgage_rates_table" data-analytics-product-area="click">mortgage rates</a> on Zillow</span> <a href="https://zillow.com" target="_blank" class="not-content-link mortgage-rates-table-logo" rel="noreferrer noopener nofollow" data-analytics-product-module="mortgage_rates_table" data-analytics-product-area="click"> <svg id="Logo" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1911 400"><defs><style>.cls-1{fill:#006aff;}</style></defs><title>Real Estate on Zillow</title><path class="cls-1" d="M1460.41,148.57h77.77l22.54,73.68c7.52,24.41,20.09,70.24,20.09,70.24a.6.6,0,0,0,1.13,0s13-46.68,20.42-70.24L1626,148.57h57.44l23.23,73.68c7.85,25.25,20,70.22,20,70.22a.6.6,0,0,0,1.15,0s12.63-45.54,20.07-70.22l22.55-73.68h72.28l-78.19,243.55h-71.13L1674,331c-7.45-24-20.55-70.57-20.55-70.57a.6.6,0,0,0-1.15,0s-13.1,45.68-20.95,70.15l-19.77,61.59h-72.41Z"></path><rect class="cls-1" x="936.81" y="19.92" width="78.71" height="372.21"></rect><rect class="cls-1" x="1073.84" y="19.91" width="78.72" height="372.21"></rect><path class="cls-1" d="M1380.68,271.18c0-36.24-25.85-60.9-56.46-60.9-31.34,0-57.19,24.66-57.19,60.9,0,36.48,25.85,60.9,57.19,60.9,30.61,0,56.46-24.42,56.46-60.9m-189.16,0c0-74,59.68-128.81,132.7-128.81,72.29,0,132,54.84,132,128.81,0,74.21-59.68,129.05-132,129.05-73,0-132.7-54.84-132.7-129"></path><path class="cls-1" d="M481.46,54.36v71.76H620.58c.57,0,.78.52.49,1L481.4,364.48c-3.36,6.17-4.16,7.49-4.16,13.65v14h271V320.49H597.69a.62.62,0,0,1-.5-1L738.48,79c1.12-2.34,2.3-4,2.3-9.64l.05-15Z"></path><path class="cls-1" d="M798.37,148.58h78.7V392.13h-78.7Zm39.35-122c24.54,0,44.82,19.8,44.82,44.19S862.26,115,837.72,115s-44.81-19.8-44.81-44.2S813.18,26.6,837.72,26.6"></path><path class="cls-1" d="M242.17,106.29c1.8-.44,2.63.2,3.71,1.41,6.16,6.93,26,31.1,31.4,37.71a2.12,2.12,0,0,1-.49,3.16c-40,31.22-84.49,75.38-109.3,107-.53.67-.09.72.26.57,43.21-18.6,144.67-48.27,190.44-56.59V141.64L179.28.23.05,141.64v63.29C55.61,171.91,184,120.8,242.17,106.29Z"></path><path class="cls-1" d="M96.63,349.5a3,3,0,0,1-3.88-.57L59.34,309.14c-.93-1.08-1-1.65.18-3.41C85.32,267.88,138,209,171.59,184.05c.6-.44.44-.86-.26-.63-35,11.44-134.47,54.17-171.28,75V393.6H358.18V263.5C309.27,271.81,163.08,315.27,96.63,349.5Z"></path><path class="cls-1" d="M1895.2,113.87c0-7-4.86-11.91-11.67-11.91H1871v34h5.59V125.77h5.49L1888.3,136h6.36l-6.7-11C1892.33,123.34,1895.2,119.16,1895.2,113.87Zm-12,6.9h-6.61V107h6.61c3.7,0,6.42,2.92,6.42,6.91S1886.89,120.77,1883.19,120.77Z"></path><path class="cls-1" d="M1881.84,90.16a29.38,29.38,0,1,0,29.38,29.37A29.41,29.41,0,0,0,1881.84,90.16Zm0,53.11a23.74,23.74,0,1,1,23.74-23.74A23.77,23.77,0,0,1,1881.84,143.27Z"></path></svg> </a> </div> </div><h2 data-toc-label="Current trends" id="current-trends" class="toc-anchor">Current trends in 15-year refinance rates</h2><h3>Current market conditions</h3><p>Record high inflation pushed mortgage rates up across the board over the past few years. Inflation has come down a lot since it peaked in 2022, and it's nearing the Federal Reserve's target rate of 2%.</p><p>As inflation slows further and the Fed lowers the federal funds rate, <a href="https://www.businessinsider.com/personal-finance/mortgages/will-mortgage-rates-go-down-this-year" data-analytics-product-module="body_link" rel="">mortgage rates should go down</a>.</p><h3>Predictions for rate movements in 2024 and 2025</h3><p>If you're thinking about refinancing, you could have an opportunity to do so next year. Rates will likely remain near their current levels in the near term, but they're expected to go down in 2025.</p><h2 data-toc-label="Understanding 15-year refinance rates" id="understanding-15-year-refinance-rates" class="toc-anchor">Understanding 15-year refinance rates</h2><h3>How these rates are determined</h3><p>Mortgage rates are largely determined by investor demand, which in turn is influenced by what's going on in the broader U.S. economy.</p><p>In general, when the economy is strong or inflation is high, mortgage rates go up. When economic growth is slow or we're in a recession, mortgage rates typically go down. </p><p>Rates also depend on the financial profile of the borrower getting a mortgage. The more creditworthy you are, the better your rate.</p><h2 data-toc-label="Benefits and drawbacks" id="benefits-and-drawbacks" class="toc-anchor">Benefits and drawbacks of refinancing to a 15-year mortgage</h2><p>"The benefits are that you will pay off your mortgage sooner," says Jose Hernandez, a real estate agent with <a href="https://www.chicagorealestatesource.com/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">Coldwell Banker Realty</a> in Chicago. "However, the drawback is that your monthly payment will be much higher compared to a 30-year mortgage."</p><p>Hernandez advises that borrowers should only opt for a 15-year mortgage if they can lower their interest rate by more than two percentage points or if their new mortgage payment will be similar to their current one.</p><p>"The key is to have a monthly payment that you will be able to afford every month without struggling," he says.</p><h3>Get a lower rate</h3><p>Mortgage rates on a 15-year refinance are lower than <a href="https://www.businessinsider.com/personal-finance/mortgages/30-year-refinance-rates" data-analytics-product-module="body_link" rel="">30-year refinance rates</a>. The shorter the term, the lower your rate.</p><h3>Build equity faster</h3><p>Because you're paying off your mortgage faster, you'll build equity more quickly than you would with a 30-year term.</p><h3>Less interest paid over the life of the loan</h3><p>Because the terms are shorter and interest rates are lower, borrowers with a 15-year mortgage will pay less in interest over the life of the loan compared to a borrower with a 30-year mortgage.</p><h3>Pay off your mortgage sooner</h3><p>If you plan to stay in your home long term, getting a 15-year mortgage can be beneficial because you'll own your home outright much faster than with a 30-year mortgage.</p><h3>Higher monthly payments</h3><p>The downside of a shorter mortgage term is that you'll have larger monthly payments. This leaves less money in your budget for other needs, wants, or financial goals.</p><h3>Harder to qualify for</h3><p>If the higher monthly payment that comes with a 15-year mortgage pushes your <a href="https://www.businessinsider.com/personal-finance/mortgages/debt-to-income-ratio" data-analytics-product-module="body_link" rel="">debt-to-income ratio</a> too high, you might not qualify to refinance.</p><h2 data-toc-label="How to get the best rate" id="how-to-get-the-best-rate" class="toc-anchor">How to get the best 15-year refinance rate</h2><h3>Improve your credit score</h3><p>You can pay down debt, limit your credit card usage, or ask your credit card issuer for a credit line increase to <a href="https://www.businessinsider.com/personal-finance/credit-score/how-to-improve-credit-score" data-analytics-product-module="body_link" rel="">improve your credit score</a>. </p><h3>Shop around and compare lender offers</h3><p>Mortgage rates and loan fees vary by lender, so be sure to compare offers from at least two or three different lenders to see who can offer you the best overall deal. </p><p>If you like your current <a href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-refinance-lenders" data-analytics-product-module="body_link" rel="">mortgage lender</a>, you may decide to get preapproved there first. But don't assume that they'll still have the best mortgage refinance rate — there may be another lender that can offer you a better deal now.</p><h2 data-toc-label="Calculating savings and costs" id="calculating-savings-and-costs" class="toc-anchor">Calculating savings and costs</h2><h3>Mortgage calculator</h3><p>Use Insider's free mortgage calculator to see how much you could save on interest by choosing a 15-year term for your mortgage refinance.</p> <div class="calculator loan-calculator" data-component-type="calculators/loan-calculator" data-root-margin="0px 0px 100% 0px"> <h5 class="calculator__title headline-semibold">Mortgage Calculator</h5> <div class="calculator__divider"></div> <div class="calculator__fields"> <div class="calculator__field calculator__field--horizontal"> <div class="calculator__price"> <input class="calculator__input headline-regular" value="$344,400" data-id="home-price-input" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="home_price"> <label class="headline-regular">Home Price</label> </div> <input type="range" min="80000" max="5000000" value="344400" data-id="home-price" class="calculator__slider" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="slide_bar"> </div> <div class="calculator__duo-field"> <div class="calculator__field calculator__field--majority"> <input class="calculator__input headline-regular" data-id="down-payment" type="text" pattern="[0-9]+" value="$68,880" maxlength="9" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="down_payment"> <label class="headline-regular">Down payment</label> </div> <div class="calculator__field calculator__field--minority"> <input class="calculator__input headline-regular" data-id="down-payment-percentage" type="text" pattern="[0-9]+" value="20" maxlength="5" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="down_payment_percent"> <span class="calculator__field__end headline-regular">%</span> </div> </div> <div class="calculator__field"> <input class="calculator__input headline-regular" data-id="loan-length" type="text" pattern="[0-9]+" value="30" maxlength="3" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="loan_length"> <label class="headline-regular">Length of loan (years)</label> </div> <div class="calculator__field"> <input class="calculator__input headline-regular" data-id="interest-rate" type="text" pattern="[0-9]+" value="3" maxlength="5" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="interest_Rate"> <label class="headline-regular">Interest rate</label> <span class="calculator__field__end headline-regular">%</span> </div> </div> <div class="calculator__result"> <span class="calculator__amount headline-regular">$<span class="headline-semibold">1,161</span></span> <span class="calculator__amount-blurb headline-regular">Your estimated monthly payment</span> </div> <div class="calculator__more-details" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="more_details"> <div class="calculator__more-details__header" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="more_details"> <span class="calculator__more-details__text headline-semibold" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="more_details">More details</span> <span class="calculator__chevron" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="more_details"><svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg></span> </div> <div class="calculator__more-details__wrap"> <div class="calculator__more-details__content"> <div class="calculator__fact headline-regular"><span>Total paid</span><div class="calculator__fact__divider"></div><span class="calculator__fact__value headline-semibold">$<span data-id="breakdown-total">418,177</span></span></div> <div class="calculator__fact headline-regular"><span>Principal paid</span><div class="calculator__fact__divider"></div><span class="calculator__fact__value headline-semibold">$<span data-id="breakdown-principal">275,520</span></span></div> <div class="calculator__fact headline-regular"><span>Interest paid</span><div class="calculator__fact__divider"></div><span class="calculator__fact__value headline-semibold">$<span data-id="breakdown-interest">42,657</span></span></div> <div class="calculator__tips"> <span class="calculator__tips__header headline-semibold">Ways you can save:</span> <ul class="headline-regular"> <li class="headline-regular">Paying a <span>25%</span> higher down payment would save you <span data-id="down-payment-savings">$8,916.08</span> on interest charges</li> <li class="headline-regular">Lowering the interest rate by <span>1%</span> would save you <span data-id="interest-rate-savings">$51,562.03</span></li> <li class="headline-regular">Paying an additional <span>$500</span> each month would reduce the loan length by <span data-id="monthly-savings">146</span> months</li> </ul> </div> </div> </div> </div> </div><h3>Considering closing costs and break-even points</h3><p>Refinancing is typically only worth it if you plan to stay in the home long enough that you pass the break-even point. This is the point at which you've recouped the amount you spent on the refinance.</p><p>For example, say you paid $2,000 in <a href="https://www.businessinsider.com/personal-finance/mortgages/average-refinance-closing-costs" data-analytics-product-module="body_link" rel="">closing costs to refinance</a> and the new mortgage is $100 less per month than your original mortgage. Your break-even point is the point at which you've saved enough each month to equal $2,000. </p><p>To find this, divide 2,000 by 100. If 2,000 ÷ 100 = 20, then that means it would take 20 months, or a year and eight months, to break even.</p><h2 data-toc-label="15-year cash-out refinance" id="15-year-cash-out-refinance" class="toc-anchor">15-year cash-out refinance</h2><p>When you refinance your mortgage, you'll need to decide whether you want to do a <a href="https://www.businessinsider.com/personal-finance/mortgages/cash-out-vs-rate-term-mortgage-refinance" data-analytics-product-module="body_link" rel="">rate-and-term or cash-out refinance</a>. The difference is that you won't be taking any equity out of your home with a rate-and-term refinance. </p><p>A <a href="https://www.businessinsider.com/personal-finance/mortgages/cash-out-refinance" data-analytics-product-module="body_link" rel="">cash-out refinance</a> lets you tap into some of the money you've gained in your home and convert it into cash. You'll get that cash at closing and you can use it for whatever you want, such as a home improvement or to pay off other debts.</p><h2 data-toc-label="FAQs" id="faqs" class="toc-anchor">15-year refinance FAQs</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Who has the best 15-year refinance rates? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The lender with the best 15-year refinance rates can vary a lot from one borrower to the next. Mortgage rates differ depending on where you live and your financial profile. This is why comparing offers from multiple lenders is so important.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the lowest 15-year refinance rate ever? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Average 15-year mortgage rates hit 2.10% in the last week of July 2021 and remained there through the first week of August 2021, according to Freddie Mac data. This is the lowest 15-year rates have ever been since Freddie Mac started tracking them in 1991.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can you do a 15-year cash-out refinance? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">If you're looking to take cash out of your home and stay in or refinance into a shorter term, a 15-year cash-out refinance could be a great option for you. Just remember that when you refinance into a shorter term, your monthly payment will go up.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What are the pros and cons of refinancing a 15-year mortgage? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The main pro of refinancing into a 15-year mortgage is that the shorter term will allow you to save money on interest because you'll get a lower interest rate and pay less in interest over the life of the loan. But the main con is that you'll have a larger monthly payment than you would with a longer term. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What makes 15-year refinance rates different from 30-year rates? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Shorter mortgage terms have lower interest rates compared to longer terms, so you'll pay less in interest on a 15-year refinance compared to a 30-year refinance. Because you're borrowing the money for a shorter amount of time, there's less risk to the lender, so they're able to offer lower rates on shorter terms.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How can I qualify for the best 15-year refinance rate? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">To get the best 15-year refinance rate, you'll want to make sure you have a great credit score, a decent amount of equity in your home, and a low debt-to-income ratio. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Will refinancing to a 15-year mortgage always save money? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Not necessarily. Mortgage rates have increased significantly in recent years. If you got your current mortgage when rates were historically low, you probably wouldn't save by refinancing into a 15-year mortgage, even if you're currently paying a 30-year loan. You'll also need to consider the overall cost of the loan, including closing costs.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What are the current trends in 15-year mortgage refinance rates? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Mortgage rates, including 15-year refinance rates, have increased in October after trending down for several months.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do I calculate whether refinancing to a 15-year mortgage is worth it? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can use a mortgage calculator or refinance calculator to see how much you could save each month and over the life of the loan. But remember to also calculate how long it will take you to recoup any closing costs you might pay.</p> </div> </div> </div><div class="ca-widget" data-token="x13d55880b64" data-s1="AMCID"></div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-src="https://secure.money.com/embeds/embedder.js?v=1" data-async="true" data-defer="true"></div> <section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/molly-grace" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="molly-grace"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/621fc89f75b649001845be8a?crop=1:1&width=256&format=jpeg&auto=webp" alt="Headshot of Molly Grace"> <noscript> <img src="https://i.insider.com/621fc89f75b649001845be8a?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/molly-grace" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Molly Grace</div> </a> <div class="post-author_title headline-regular">Mortgage Reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Molly Grace is a mortgage reporter for Business Insider with over six years of experience writing about mortgages and homeownership. </span><span><span class="headline-semibold">Experience</span></span><span>In addition to her daily mortgage rate coverage, Molly also writes mortgage lender reviews and educational articles on homebuying and analyzes data and economic trends to give readers actionable and up-to-date information about the housing market.</span><span>She also tracks affordable mortgage and down payment assistance programs offered throughout the country to keep her readers informed of homebuyer programs available to them. </span><span>Before Business Insider, Molly was a blog writer for Rocket Companies and helped to create Rocket Mortgage’s Shorty Award-winning podcast <em>Home. Made</em>.</span><span>Molly is passionate about covering personal finance topics with empathy. Her goal is to make homebuying knowledge more accessible, especially for groups that may think homeownership is out of reach. </span><span><span class="headline-semibold">Expertise</span></span><span>Molly is an expert in the following topics:</span><ul><li><span>Mortgages and mortgage lenders</span></li><li><span>Home equity</span></li><li><span>The housing market</span></li><li><span>The economy and the forces that impact mortgage rates</span></li><li><span>Budgeting and saving</span></li><li><span>Credit</span></li><li><span>Insurance</span></li><li><span>Retirement savings</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Molly earned a bachelor's degree in journalism from Indiana University. </span><span>She is based in Michigan and has a dog and two cats. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/elias-shaya" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="elias-shaya"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f938c4ae0bf0001824b2c1?crop=1:1&width=256&format=jpeg&auto=webp" alt="Elias Shaya looks at the camera. He stands outdoors, wearing a black jacket, with a city in the distant background."> <noscript> <img src="https://i.insider.com/63f938c4ae0bf0001824b2c1?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/elias-shaya" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Elias Shaya</div> </a> <div class="post-author_title headline-regular">Compliance Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Elias Shaya is a Compliance Associate on the Personal Finance Insider team based in New York City, which ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.</span><span>The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Elias is the point person for the loans sub-vertical and works with the editorial team to ensure that all rates and information for personal and student loans are up-to-date and accurate.</span><span>He joined Insider in February 2022 as a fellow on the compliance team.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 4.75% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 4.75% APY when you deposit at least $250 per month, earn 3.75% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> <div class="ignore-typography"> <span class="zillow-disclaimer body-italic"> © Zillow, Inc., 2006-2016. 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