Please choose the correct ending to complete the given sentence: Food and Entertaining: [header] How to lower your mortgage interest rate [title] Choose a time period with lower interest rates. [step] Watch the market to see how the interest rates are going up and down. When the market reaches rates that are lower than what you're paying, that's a good time to refinance.

Ending1: Paying off mortgage interest in several years is almost guaranteed to lower the rate you'll have to pay, so you'll only need to refinance this sooner if the market goes down or is worse. [title] Get past the rates that tend to decline. Ending2: [title] Capitalize on future gains and gain. [step] Once you've earned a down payment and made your payment, capitalize on those gains. Ending3: [title] Pick a fixed-rate rate over a variable one. [step] When you refinance, make sure you choose a fixed-rate mortgage. Ending4: [title] Locate the amount of interest you are willing to lower. [step] Do this by looking online or by contacting the department that issued your loan and entering your billing information.

Answer format: ending1/ending2/ending3/ending4