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Mortgage prediction help

We are looking at building a home that requires a one time close construction loan and we would move in January or February. I would probably then go refinance to an arm with a credit union. I know a prediction is a total guess but I’m running numbers and curious what the fixed rate will likely be early next year. Right now my credit union is at 5.7 for an arm. Will it likely be in the 4s at that point? Will it still be worth doing an arm for another year or so early next year?

submitted by /u/ElectricalAir7022
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source https://www.reddit.com/r/RealEstate/comments/1c0ia2s/mortgage_prediction_help/
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