Which bank has the best mortgage rates right now?

👍Hey everyone—I have a quick question regarding what happens once a bank loan is fully paid off. Specifically, we’re looking at a loan taken out back in 2005 where the first two tranches are set to expire in March 2019. I'm wondering what the next steps are after that period ends? How does the payment structure work from there, and is there any chance we could look into reprogramming the terms here? We’ve been paying around 4.3% up until now, but I’ve noticed that interest rates on loans via the Associated Press are hovering closer to the 3-3.3% range lately. Also, if anyone here has hands-on experience with settling an entire debt with the Associated Press, I would love to hear your thoughts. Best regards!