[Sylvanfan]

I'm not a great saver so I did opt to put a bit more down on the house thru increased payments for now. That said this is on the new 5 year fixed at 4.19...As much as anything it's to condition myself to get used to a higher rate environment. 2 years of being 2% below my required payment was pretty much undone 5 months later with the rapid increase...and I started at a 3.25 payment.

Others are far better financial prognosticators than myself. But I believe the indicators in the short term bond market are that rates will come down eventually. Hence why 5 year fixed are the lowest rates out there right now. It's that the path from today to these eventual lower rates looks pretty volatile in the short term. Than there's the next eventual climb up after.