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100 best money moves you can make

Our annual guide to the best stocks and funds, credit cards, career moves, retirement strategies, and much more.

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23. Best mortgage to get right now

Mortgage Rates

30 yr fixed	3.80%
15 yr fixed	3.20%
5/1 ARM	3.84%
30 yr refi	3.82%
15 yr refi	3.20%

A 15-year fixed, if you can swing the payments. You'll score a rate of 4.5% or so, more than half a point better than for a 30-year. And you'll save more than $165,000 over the life of a $300,000 loan.

NEXT: 24. Best way to save $100 this spring

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Last updated May 12 2010: 10:39 AM ET