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Some lenders have dropped their fixed rates in the past week to come in alignment with what most other lenders are offering. Best unencumbered five year fixed rate sits at 3.59% while a variety of lower five year fixed rates are available with stipulations attached. It’s best to contact me directly to see what’s best for your situation. Prime currently sits at 3.0%, and unencumbered variable rate discounts are still available at Prime -.65%, although certain lenders are offering up to Prime -.80% with limited prepayment options or stiffer penalties attached.