[Sylvanfan]

They held the rates today although I suspect they would have preferred to increase.

I was offered a 5 year fixed at 4.19 today which is tempting. Let's me move from my Variable that is 6.25 to that three months early. But the penalty is rate differential. I expect rates will come down eventually, but I can't see them getting back down to that 3.5 range in the next 5 years.