lenders tend to offer lower interest rates on 15 year mortgage loans because:

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"Unlock the secrets of mortgage rates with our Mailbag Monday series! Learn about 15-year vs 30-year mortgages, refinancing conditions, and finding the best rates. Discover why a 15-year mortgage might not be for you, and how mortgage rates are falling to 15-month lows ahead of Fed cuts. Get expert advice from a mortgage broker to make the right decision for your finances."

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