Originally Posted by Hog Farmer
3.875 is a good rate. If you're set on going fixed I suggest 15 years instead of 30. The monthly difference isn't that much but the total payout difference is huge.
If I were you I would leave it alone. Interest rates aren't gonna go up enough to worry about.
You can always pay a 30 year mortgage off in 15...
Unless you are sure and disciplined I would just go 30
But then again My house is paid for and I am 100% debt free so what the hell do I know huh?