[Rickson9]

If you look around a bit, you can find 5 yr fixed rates at 3.85%.

Any time in the past that governments have run big debts and deficits, it has led to inflation and higher interest rates. If history is any guide (and it's the only guide I have), a person getting a 5 yr rate of 3.85% today will be pretty pleased with themselves a year or two down the road....

If history repeats itself, somebody with a 5 yr 3.85% would be looking at an ugly interest rate environment when the term comes to a close...