Today with all that equity and good credit, you could probably lock in30years for 3.4% or 15 years at around 3%. Do ask your own bank, but also check with Guaranteed Rate (In fact, contact my friend Leslie Struthers there — Leslie@rate.com — and one of her team will help you. I get nothing out of this and you don’t have to use my name. But I know you will be in good hands. There is a huge crunch of applicants these days, people trying to refi before rates go higher. They will let you know what is required.