Thinking about refinancing to a 15-year mortgage? Heads up: rates are climbing, so the old "shorter is always better" rule doesn’t always add up. Sure, you’ll pay off your house faster and save a ton on interest, but your monthly payment could jump—meaning less cash for fun, savings, or emergencies. Run the numbers for your own life, not just what your neighbor did last year. Sometimes, a 30-year loan with extra payments is the real money hack. #RealEstate #MortgageRates #Refinance