Predictions on Prime Rate going up? Loan question

[Kacey W]

I have two options with a bank on loan terms that I am deciding on.

1) 15 year AM, 3 year balloon at 6% interest.

2) 15 Year AM, complete 15 year term with resets every 3 year at prime rate + 2.75%.

I am fine with the 15 year Am and 6% to start, but I am not sure what prime will be in 3, 6, 9 years, etc. I don't see why I wouldn't go with the 15 year term and reset and not have to worry about a balloon??

Any thoughts?

This is for a larger commercial property.

Thanks