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 ' s. C B1 q' ^! k/ n* L6 q ( N8 l0 t2 ^( L5 J$ s! h7 @Yes,I hold these two rate from April from different bank. Now ,it is the time to pick one....