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 + Y' g) U% n9 \, z( T6 v" Y" I+ F, j% O, M$ _1 _6 ^# e7 M
Yes,I hold these two rate from April from different bank. Now ,it is the time to pick one....