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+ H; q5 p7 W( Y2 l' \' m% _; B2 `: n8 m) B# s# V- u' J
Yes,I hold these two rate from April from different bank. Now ,it is the time to pick one....