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<p>[QUOTE=&quot;onecoinpony, post: 1250688, member: 18259&quot;]You&#039;re correct, no decent rates now. A few months ago I locked in 3% on jumbos for 5 years. My reasoning was even if I took a 6 month early withdrawl penalty on them, it would be a wash after one year vis a vis the then current 2 year rate. I was prepared to take the penalty, if rates rose. Some banks may just have 3 month penalty on a 5 year, while others are a year penalty. If you deal with a small bank ask them to waive the penalty after one year.[/QUOTE]</p><p><br /></p>

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