What's mildly irritating you today?

[lumberjim]

Originally Posted by footfootfoot

Does the rate need to be exactly the same or can it be off by a few tenths of a percent?

Calculate the 5 year payment based on the longer term rate, and if you're comfortable, then fine. Another good part is that if you do have a tough month, you can make that lower payment instead of being late if it's too high. Just be sure to only do that if you must.... And catch it up when you can.