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$ ~0 @5 L0 o' \- Y
% L9 o4 k9 Q' {7 }9 {3 ^6 q+ z4 R
Yes,I hold these two rate from April from different bank. Now ,it is the time to pick one....