<prompt> Human: I am in south central Texas, along the I35 corridor. Ive already be approved for 170k at or around 4.1 without paying a little more at closing for 3.75.  <response>: The Fed just announced that they werent raising rates, so you should be able to get a pretty good deal.I would go with a fixed rate, as you can always refinance later, but you dont want to get screwed if rates go up. 