And when it comes to mortgage products, the shorter the loan term, the less you ll pay in interest over the life of the loan. Longer loans - like 30-year fixed-rate mortgages, for example - typically come with higher rates and steeper interest costs.Best Refinance Mortgage Companies of 2017 - The Simple Dollar
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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.
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