Mortgage rates might be high compared to recent years, but these smart strategies can help you save on your loan.

Mortgage rates are up, but still under 7%. Today’s national average on a 30-year fixed-rate mortgage is 6.97%, according to Bankrate. If you choose a 15-year fixed-rate mortgage, the average rate is 6.

As you consider buying a home, you’ll likely weigh different mortgage types. For most prospective buyers, a 30-year fixed-rate mortgage is the top pick. It offers more manageable monthly payments because you’re stretching the loan over three decades as opposed to 10 or 15 years.