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#kingbird71 % H6 I5 x" W* G1 j6 G" Q. w 7 O* c6 j/ J; G3 H; `" R# mYes,I hold these two rate from April from different bank. Now ,it is the time to pick one....