That is why the banks offers 15 and 30 everyone has different goals. This is a bold statement but I believe 30 year loan rates will never stay below 5% for long. It's cut to the bone and the lenders fixed cost are built in with little room for lower rates. I refi recently for 30 years and paying the 15 year payments in a separate interest account (2.78%) waiting for the day CD rates go above 5.75.
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