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Refinance Rates 15 Years With rates so low, it’s also a good time to consider refinancing into a 15-year mortgage instead of a 30-year mortgage. Typically, homeowners prefer 30-year mortgages. Halving the payback period often.What Is An Fha Loan Note: This page was updated in January 2019 and to include the latest information on FHA appraisal guidelines and requirements for 2019. If you use an FHA loan to buy a house, the property will have to be appraised and inspected by a HUD-approved home appraiser.