Compare today's year fixed mortgage rates from top mortgage lenders. Find out if a A 30 year loan whose interest rate stays the same over the loan term. beatsbydre.us › money › todays-mortgage-refinance-rates-februar. Excels in online convenience, with document upload, loan tracking and e-signatures. · Offers good rate transparency; rate shoppers can see customized interest. Actual rates may vary. A year fixed-rate mortgage is the most common term of mortgage — and suitable for refinancing, too. Mortgage lenders tend to offer lower mortgage rates to borrowers with low LTV ratios. Some lenders offer no-closing-cost refinances. Most ARMs have a rate cap that limits the amount of interest rate change allowed during both the adjustment period the interest rates for 30 year refinance between interest rate recalculations and the life of the loan. You're welcome to make the minimum monthly payment. You risk borrowing too much.