Looking for some opinions on this.
I am two years into a 5 year fixed at 3.9%. My lender has offered to renew for another 5 years at the same rate of 3.9%. No fees or anything.
I know there are slightly better rates out there right now but the payout penalty would not make it worthwhile to change lenders at this point.
In todays market, would you take it or leave it hoping for a better rate come renewal time in three years?
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