I know, I know…you have heard it before but really…This time they really are the lowest that they have ever been. I can’t think of a better time to buy or refinance. I am so sure they are at the bottom I even locked my own loan yesterday. 30 year conforming fixed rates are in the middle 4’s depending on a whole variety of factors. I locked A high balance interest only at 4.375% fixed for 10 years yesterday. If you wanted to go 7 years you could be in the high 3’s, interest only. Think what that could do to your monthly payment. Yes you have to qualify and your house has to appraise but we are figuring it out and we are doing loans. Call or email me