We funded with a super jumbo 2 5/8 7/1 no points and no fees.

Believe it or not I actually feel rates will go lower before they go higher.

If they go lower I will refi into a 30 year or a 10/1 product in the next 1-2 years.

If they go higher and I still own the own the house in 7-10 years I will pay off the loan