{"id":2629,"date":"2017-08-07T08:42:47","date_gmt":"2017-08-07T15:42:47","guid":{"rendered":"https:\/\/homebuyinginstitute.com\/mortgage\/?p=2629"},"modified":"2024-10-21T09:40:44","modified_gmt":"2024-10-21T16:40:44","slug":"how-a-15-year-mortgage-works","status":"publish","type":"post","link":"https:\/\/homebuyinginstitute.com\/mortgage\/how-a-15-year-mortgage-works\/","title":{"rendered":"How a 15-Year Fixed-Rate Mortgage Loan Works, With Pros and Cons"},"content":{"rendered":"\n<p>When you take out a mortgage loan to buy a home, you have a lot of choices to make. One of those choices has to do with the length of the term.<\/p>\n\n\n\n<p>For decades, the 30-year fixed-rate mortgage loan has been the most popular option among home buyers in the U.S. But the 15-year fixed mortgage runs a close second.<\/p>\n\n\n\n<p>The question is, which option is right for you?<\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f7f7f7\"><strong>Summary:<\/strong> This guide explains how the 15-year fixed-rate mortgage loan works, the potential pros and cons, and how to decide if it&#8217;s right for you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Is a 15-year Mortgage, Exactly?<\/h2>\n\n\n\n<p>As its name suggests, a 15-year fixed-rate mortgage is a home loan with a repayment window (or &#8220;term&#8221;) of&nbsp;15 years. The debt is amortized and spread out over a 15-year period, after which the loan is paid in full.<\/p>\n\n\n\n<p>Of course, many homeowners who use these loans end up refinancing or selling the home before the full term has expired. That&#8217;s always an option.<\/p>\n\n\n\n<p>But when you take out a 15-year mortgage loan to buy a house, you are agreeing to a repayment term for that specific length of time.<\/p>\n\n\n\n<p class=\"has-text-color has-background has-link-color wp-elements-b6264ba3f9566919668088963d0de424\" style=\"color:#303030;background-color:#f7f7f7\"><strong>Key point:<\/strong> These loans have a &#8220;fixed&#8221; interest rate. This means that the rate won&#8217;t change for as long as the borrower keeps the loan, even for the full 15-year term.<\/p>\n\n\n\n<p>This is an important distinction, because some home loans have an adjustable rate that can change over time. These are known as adjustable-rate mortgages, or ARMs.<\/p>\n\n\n\n<p>But the 15-year fixed mortgage will carry the same interest rate for the entire repayment period.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How a 15-Year Home Loan Works<\/h2>\n\n\n\n<p>As you probably already know, a mortgage loan is a type of loan used to buy a house. Home buyers who cannot afford to pay cash for a property usually end up borrowing money from a lender. <\/p>\n\n\n\n<p>The lender provides the borrower with a sum of money, which the borrower then uses to buy the home. In return, the borrower agrees to repay the loan (plus interest) over a specified period of time, in this case over 15 years.<\/p>\n\n\n\n<p class=\"has-text-color has-background has-link-color wp-elements-e2d8fc2526bc8eab71aaa322f06990b5\" style=\"color:#303030;background-color:#f7f7f7\">Here&#8217;s how the mortgage lending process works with a 15-year fixed-rate mortgage:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pre-approval<\/strong>: The borrower applies for pre-approval with a lender, submitting financial details like income, debts, and credit score.<\/li>\n\n\n\n<li><strong>Home search<\/strong>: The borrower finds a home within their budget and makes an offer to purchase it.<\/li>\n\n\n\n<li><strong>Purchase agreement<\/strong>: Once the offer is accepted, the borrower and seller sign a purchase agreement that outlines the terms of the sale.<\/li>\n\n\n\n<li><strong>Appraisal<\/strong>: The lender orders an appraisal to ensure that the home&#8217;s value matches or exceeds the loan amount.<\/li>\n\n\n\n<li><strong>Underwriting<\/strong>: The lender reviews the borrower&#8217;s financials and the appraisal report to determine if the loan meets all applicable requirements.<\/li>\n\n\n\n<li><strong>Loan approval<\/strong>: If the borrower meets all conditions, the lender approves the loan.<\/li>\n\n\n\n<li><strong>Closing<\/strong>: The borrower signs final paperwork, pays closing costs, and the lender funds the loan. Ownership transfers to the borrower.<\/li>\n\n\n\n<li><strong>15-year repayment<\/strong>: The borrower makes fixed monthly payments for 15 years, with the same interest rate throughout the term. The loan is paid off at the end of the 15 years.<\/li>\n<\/ul>\n\n\n\n<p>It&#8217;s worth repeating: Some home buyers who use a 15-year fixed mortgage end up selling the home or refinancing the loan before reaching the end of that timeframe. So you&#8217;re not necessarily &#8220;locked&#8221; into the home for the full 15-year term.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Understanding the Pros and Cons<\/h2>\n\n\n\n<p>The 30-year fixed-rate mortgage is by far the most popular financing product in use today. It accounts for the vast majority of home loans that are originated in the United States.<\/p>\n\n\n\n<p>But there are situations where a 15-year mortgage loan might be a better option for a borrower. The key to choosing the right loan is to understand the pros and cons associated with it.<\/p>\n\n\n\n<p>One of the primary <strong>advantages<\/strong> of using a 15-year mortgage (versus a 30-year product) is that you pay less interest over the long term. That&#8217;s because you are keeping the loan for a shorter period of time, and making fewer payments.<\/p>\n\n\n\n<p>Interest is applied to every one of your monthly mortgage payments. This is true whether you&#8217;re using a 15- or 30-year loan. So the longer you keep the loan (and the more payments you make) the more you&#8217;ll end up paying in total interest.<\/p>\n\n\n\n<p>Additionally, 15-year mortgages usually have lower interest rates than their longer-term 30-year counterparts. So a borrower who opts for the shorter term might pay less interest for a shorter period of time. This can add up to significant savings over the long term.<\/p>\n\n\n\n<p>The primary <strong>disadvantage<\/strong> to using the 15-year option is that you could end up with a higher monthly mortgage payment, when compared to a 30-year fixed home loan. That&#8217;s because you&#8217;re cutting the repayment period in half.<\/p>\n\n\n\n<p>These are important points, so let&#8217;s break it down one more time:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pros of a 15-Year Mortgage<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lower total interest paid. You pay significantly less in interest over the life of the loan due to the shorter term and often lower interest rate.<\/li>\n\n\n\n<li>Faster equity build-up. You build equity in your home much faster because you are paying off the loan at a quicker pace.<\/li>\n\n\n\n<li>Potential for financial freedom. Paying off your mortgage sooner can free up more of your monthly cash flow.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Cons of a 15-Year Mortgage<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Higher monthly payments. Due to the shorter loan term, your monthly payments will be substantially higher.<\/li>\n\n\n\n<li>May not be accessible for all budgets. If your income is limited, the higher monthly payments of a 15-year mortgage may not be feasible.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">A Real-World Comparison Between These Loans<\/h2>\n\n\n\n<p>When this article was published in fall 2024, the average rate for a 30-year fixed home loan was 6.44%. The average rate for a 15-year mortgage was 5.63%.<\/p>\n\n\n\n<p class=\"has-text-color has-background has-link-color wp-elements-ecc41484b7ff81a28a53c7e575211ee6\" style=\"color:#303030;background-color:#f7f7f7\">Using a mortgage calculator, let&#8217;s look at how this rate difference would affect the borrowers&#8217; long-term costs. Let&#8217;s assume two borrowers are taking out home loans in the amount of $380,000.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Borrower &#8216;A&#8217;<\/strong> is using a 30-year fixed mortgage with an interest rate of 6.44%.<\/li>\n\n\n\n<li><strong>Borrower &#8216;B&#8217;<\/strong> is using a 15-year loan with an interest rate of 5.63%.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-color has-background has-link-color wp-elements-b085c2bb9df7f010f941a6bb8eb1d03a\" style=\"color:#303030;background-color:#f7f7f7\">Let&#8217;s further assume that both of these homeowners actually stay in their homes and fulfill the entire repayment term. Here&#8217;s how their monthly payments and long-term costs would vary:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Borrower &#8216;A&#8217;<\/strong> (30-year fixed mortgage) would have a monthly payment of $2,716, and would end up paying $479,278 in total interest over the 30-year period. The total cost of the loan over 30 years, including principal and interest, would come to $859,278.<\/li>\n\n\n\n<li><strong>Borrower &#8216;B&#8217;<\/strong> (15-year mortgage loan) would have a monthly payment of $3,460, and would end up paying $183,615 in interest over the 15-year repayment term. The total cost of the loan in this scenario would come to $563,615 after 15 years.<\/li>\n<\/ul>\n\n\n\n<p>This real-world scenario highlights the pros and cons of the 15-year fixed mortgage loan. Borrower &#8216;B&#8217; had a higher monthly mortgage payment due to the shorter term. That&#8217;s the downside. But she also paid <em>a lot<\/em> less in total interest over the long term, and that&#8217;s the upside.<\/p>\n\n\n\n<p>Borrower &#8216;A&#8217; (who used a 30-year mortgage loan) ended up paying significantly more in total interest over the life of the loan. That&#8217;s because the 30-year option came with a higher interest rate from day one, and the homeowner paid that higher rate over a longer period of time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion: Which One Is Right for You?<\/h2>\n\n\n\n<p>This article gives you a basic idea of how a 15-year fixed home loan works, and <a href=\"\/mortgage\/15-30-mortgage-170\/\">when it might make sense<\/a> to use one. The key here is to consider the pros and cons in light of your specific financing goals.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If your primary goal is to reduce the size of your monthly payments, then you&#8217;re probably better off with a 30-year home loan.<\/li>\n\n\n\n<li>If you can afford a larger monthly payment, and you want to reduce the amount of interest paid over the long term, then the 15-year mortgage loan might be a better option for you.<\/li>\n<\/ul>\n\n\n\n<p>When applying for a loan, have your lender explain how your payments will work out over time &#8212; including the total amount of interest. Better yet, have them present you with multiple options, so you can see which one works best for you.<\/p>\n\n\n\n<p><em>Disclaimer: Every lending scenario is different, because every borrower is different. So your situation might differ from the examples presented above.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you take out a mortgage loan to buy a home, you have a lot of choices to make. One of those choices has to do with the length of the term. For decades, the 30-year fixed-rate mortgage loan has been the most popular option among home buyers in the U.S. But the 15-year fixed [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-2629","post","type-post","status-publish","format-standard","hentry","category-home-loan-basics"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How a 15-Year Fixed-Rate Mortgage Loan Works: Pros and Cons<\/title>\n<meta name=\"description\" content=\"This guide explains how a 15-year fixed-rate mortgage loan works with some realistic scenarios to help you decide if it&#039;s right for you.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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