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Are you looking for an adjustable rate mortgage or fixed rate mortgage?
The reason I ask is because you already have a very low interest rate
Quicken Loans does advertise a 2.63% interest rate, but it resets every 5 years. Currently, rates are low and they will tick upwards over the next few years
I would not advise getting an adjustable rate mortgage.
With a rate of 3.99%, there's not much room to go down.
30 year rates are around 4.2-4.5%
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