Re:Show HN: I built a dashboard to compare mortgage rates ac...
by theendisney on Wednesday December 03, 2025 @06:51PM
(#46141948)
It could be much longer if there was a sensible formula to predict remaining value. Construction quality plays to small a role in valuations.
But seriously, my favorite discovery when researching CU mortgages is the prevalence of the 15/15 ARM. It's fixed for 15 years, and then adjusts once. Most people refinance within 7 years, or move within 12. So it's like a 30Y fixed, but comes in at 20 basis points cheaper (0.2% lower APR).