PS: oh and about the 10-15% or 30% the answer is yes to all three. We borrowed only as much as we can afford through a 30 year fixed but figured saving 1-2 % back then using an ARM was a good decision, but always wondering when/if to refinance, like you said, where rates will be in 2-3 years is something I do not know either and will just monitor things closely. Thanks for the responses, I appreciate everyone’s feedback.
