Thanks for the info! Lowest 5 year fixed for your situation would be 2.49%. If you wanted to add a HELOC, then this would be considered a refinance, therefore rate would be higher. What i'd suggest doing is switching the current balance to the 2.49%, and then adding the HELOC with a different lender after closing. This way, you can take advantage of the lower rate.
Mortgage Broker, Author
CityCan Financial Corp (lic. 10532)