Better pricing on a Friday is a good thing... not that I care to quote Martha as nothing is ever perfect. Rates are not competitive unless you are looking at fixed rate pricing, have stellar credit, and are in a good equity position. Consensus says we probably will not see these rates again with pending inflation. I lack a crystal ball so I could miss the mark here but if I had to eat crow on this subject I think I could handle it. Regardless, if you have been on the fence for whatever reason revisit your current situation and if it makes sense it might be a good time to jump.