hi..I bought a house 6 months ago for 280k. Mortgage, 92%, was 256400 based on a 3 yr fixed of 5.25%. I would like to take advantage of the lower interest rates that are now out there but am fearful of what the breakage fee would be. It looks like I could get a rate for 3.85% variable on the open market today. Does anyone know what the potential breakout fee could be?