April 2nd, 2014 8:37 AM by Eric Fang
Someone called me yesterday about the lower rates.It is impossible to see new low rates. It is the samewith any other products. Like the houses, you can notget "cheap" good deals now. Like stocks, you can not getWFC for $9, or BAC for $5. The time is gone.
For the rate, just get a more reasonable rate and focuson the important part of the life.