My mortgage period is coming to an end and I need to refinance pretty quickly here.
For those who have recently closed, what rate were you able to negotiate? How many years? Fixed or variable? What lender? My sister is a broker and I am using her for my renewal but I want to make sure that I haven't missed anything. So far the best we've got is a 3.99% fixed rate for 5 years. She also suggested a variable fixed (at prime +1) but I don't know if they will let me lock it in at current rates right away (3.50%).