<prompt> Human: Im looking at 3.125 on a 15yr fixed. Closing in 4 weeks. Should I lock it in now or float and try for something better? Thanks!!!Edit: Thanks everyone. I was leaning towards locking it in as well, and I actually did this evening. I appreciate the input!! I feel a lot better about it now.  <response>: Something better than 3.125?...Youre just not getting better than that without going to an ARM. 