So I don’t get screwed when the rates go up. My current rate is 2.75% if I had to renew this year it could almost double. That could easily be $400-500+ a month

So I don’t get screwed when the rates go up. My current rate is 2.75% if I had to renew this year it could almost double. That could easily be $400-500+ a month. When the rates are low nothing can stop me from refinancing like I did a year+ ago from nearly 4%.