as I know, it is almost impossible to get 3% 3 yr Mtg from the current market unless somebody holds a rate from April, even though, it is still incredible low. I would take it if I were you rather than the 4% 5 yr.
3#kingbird712 @7 t+ B0 c' y4 Z) I
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Yes,I hold these two rate from April from different bank. Now ,it is the time to pick one....