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Considering a mortgage refinance? 2021 may be the time to get one By Liz Alterman With mortgage interest rates on the rise, if you’re ready to refinance, why wait? (iStock) The ongoing pandemic has had a significant impact on mortgage and mortgage refinance rates, which sunk to historic lows after beginning their decline in March 2020 at the onset of the coronavirus. Interest rates for a 30-year mortgage currently hover around 3% while those for a 15-year mortgage are around 2.30%. The following are the benefits and disadvantages to refinancing your mortgage loan: Pros 1. Low interest rate. When it comes to interest rates, even a fraction of a percent can make a substantial difference. It may put money back in your pocket, or allow you to borrow a larger amount and take cash out while keeping your monthly payment relatively unchanged.

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