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 3 r9 m: G; ~0 d3 r; w( [ 3 A. u' O9 p- o2 ~) ^Yes,I hold these two rate from April from different bank. Now ,it is the time to pick one....