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What is a good 15 year mortgage rate?

Remember that daily rates posted are averages and what rate you're offered depends on factors like your credit score and debt-to-income ratio. A good 15-year fixed rate is at or below the daily average. It typically is 0.5% - 0.75% lower than its 30-year counterpart. In the past 10 years, 15-year fixed-rate mortgages have averaged 3.0 - 4.0%.

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