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Phil,
30yr and 15 yr rates are about the same these days so opt for the 30 but you can always go back to paying at teh 15 year rate when thing stabilize. You should calculate your break even based on a new 23 year payment, not the new 30 year payment - apples to apples. If you think you are going to move take the risk off the table and ask you lender to bump the rate up an 1/8-1/4 and do a no closing cost loan.
Bill
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Bill
87 911 Targa
06 Toyota Sequoia
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