Because interest rates are at or near rock bottom, short-term loans have become more affordable for many borrowers.
Those who currently have a 30-year mortgage with an interest rate of 6 percent or higher may be able to refinance into a 20 or 15-year loan while keeping their monthly mortgage payments close to what they pay now. Consider this option even when the short-term loan means slightly higher monthly payments. This is your chance to pay off your mortgage quicker.
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