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"No point" conforming residential rates up to $417,000 are in the high 4 percentile range.  If your interest rate is above 5.00% you may want to consider refinancing if you plan to be in your home for a few more years.

Commercial rates for units, as I mentioned, a recent close of a mixed use property resulted in my clients getting 5.100% FIXED for 5 years.

Call me today at (650) 347-8828x288 or email me at dmwmrt@yahoo.com

Rates change ever day ... get in line for the rate you'll be quite pleased with.  At some point, likely sooner rather than later, rates will be going up and staying up.  Get it while the getting is good.