this is what i will do

1. choose 5/1 arm;
2. choose no closing cost option for 1/4 percent higher rate or so;
3. wait for next lower rate to refi to lower rate.

15Y will hurt your future borrowing capacity. not worth the savings in slightly lower rate.

所有跟帖： 

• Many thanks, njrookie! -Redrockmm- ♀ (0 bytes) () 06/05/2015 postreply 14:04:23