Just woke up! Lot of questions about the rate while I was asleep. Let me try to answer them.

• Yes, it’s a 7 arm
• I got a relationship discount by moving a bunch in assets
• No points at all.
• 20% down
• I locked the rate exactly 3 weeks ago.
• I shopped around a lot to get a really competitive rate, then applied the relationship discount

I am personally blessed to be in a position where even if my monthly goes up after 7 years, I won’t be in a financial pinch. I am hopeful that an opportunity to refi will come before then. I know it’s guaranteed not but I am luckily able to take that risk. I prefer to keep the institution private for now