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Conforming (up to $417,000) is at 4.625% 30 Year Fixed ... Never thought I would see rates this low ... what's up with that, huh? 

High balance conforming (up to $729,750) can possibly be done at 4.875%.  If you want to pay for a lower rate, they are certainly available.

The point here is if you have a higher rate than this, can qualify, then you should be doing something with me NOW because you can save money every month with a lower rate and those rates (subject to change, duh ...) are here NOW and could disappear tomorrow.  I can lock the rate in for you, for that matter.  Call me or email me today with your inquiry or send me your name and address and I will send out a loan application package.

You snooze, you lose.