National consolidating savings

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Some lenders provide their mortgage loan terms to Bankrate for advertising purposes and Bankrate receives compensation from those advertisers (our "Advertisers").Other lenders' terms are gathered by Bankrate through its own research of available mortgage loan terms and that information is displayed in our rate table for applicable criteria.

Mortgage rates change on a daily basis, and getting a mortgage when rates are low may save you thousands of dollars over the life of the loan.But the monthly payments are lower than for shorter-term products, like 15-year loans.A 30-year loan will cost less each month than a 15-year mortgage with the same loan balance because the payoff horizon is spread over 15 more years.Find average rates for various mortgage products, and compare rate fluctuations over time, using our table below.The rate you'll receive on a mortgage depends on several variables: your credit score, the loan type, loan amount, points, location and down payment.

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