<prompt> Human: Fixed at 4.5 for five years; adjusting every five years to the then five-year CMT 3.0300k loancurrent 5-year CMT is 1.55  <response>: Depends a lot on your income, on your job security, on the housing market in your area, on your plans to move if and when, et cetera. If you are unsure, please try to find out why you are unsure. What is worrying you? If you find one or more reasons, share it with us and we can try to tell you whether they are valid fears. 