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Fifteen-year mortgages do charge lower interest rates than 30-year loans — but carry higher monthly payments because you have to pay all principal back in half the time.
For example, borrowing $300,000 for 15 years at this week’s 3.25% average rate means you’ll have a $2,108 monthly mortgage payment (excluding the effect of any origination fees).
That’s nearly 50% higher than the $1,441 you’d pay if you take out the same-sized loan for 30 years at today’s 4.05% average rate (again, ignoring origination fees).