Before that can be answered we need to understand a few things:

1. Every rate quote is a custom quote based upon many variables.
2. Rates are determined by the securities market NOT by the government.
3. Sometimes it doesn't make sense to take a lower rate due to the discount points being charged.
4. Your situation, as well as guidelines, could change if you wait.

We have heard a lot about this 4.5% 30-year fixed rate to get more information click next to the red arrow to watch a short presentation.

Then call me to discuss your personal situation at this particular time.