As you consider buying a home, you’ll likely weigh different mortgage types. For most prospective buyers, a 30-year fixed-rate mortgage is the top pick. It offers more manageable monthly payments because you’re stretching the loan over three decades as opposed to 10 or 15 years.

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Mortgage rates are down and under 7%. Today’s national average on a 30-year fixed-rate mortgage is 6.93%, according to Bankrate. If you choose a 15-year fixed-rate mortgage, the average rate is 6.11%.