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"Conforming (up to $417,000 loan amount) is running around 4.75%-4.875% 30 year fixed, no points, borrower pays closing costs.  5.00%-5.125% would be a "no points/no closing costs" 30 year fixed conforming rate.  Do note that with changes in store in April that the No Cost Loan could be a thing of the past.  Grasp the opportunity while it is still a possibility. 

Some life in the Super Jumbo arena.  $1,000,000 loan, 5 year fixed, no points, borrower pays closing costs:  4.50%~5 year fixed.  Payment of $5066.85 a month sound good to you?

Haouli Makahiki Hou~Happy New Year of the Rabbit!