My New Blog

With a good FICO score, low "loan-to-value" and rate/term refinance, my good clients have been getting 5.25% 30 year fixed with no points, just pay closing costs.  For owner-occupied, no points and these are 15 day rate locks so their application packages are fully-approved by the lenders, 4.875% 30 year fixed with no points. 

Sitting on the fence?  Better get off soon.  When the rates go up, at some  point they are going to stay up and you'll be kicking yourself every time you make that inflated mortgage payment.