average 30 year mortgage rates have fallen again this week and are only 3 basis points from the all-time record low of 3.31 percent set in 2012. The lowest 30 year mortgage rate with 0.10 points in our database for a home purchase are at 3.125 percent.
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A 15-year fixed rate mortgage gives you the ability to own your home free and clear in 15 years. And, while the monthly payments are somewhat higher than a 30-year loan, the interest rate on the 15-year mortgage is usually a little lower, and more important – you’ll pay less than half the total interest cost of the traditional 30-year mortgage.
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