January 4th, 2012 11:31 AM by Eric Fang
We got 30 yr fixed 3.625% for most of 30 yr fixed loans, some needs impound, some does not.
15 Yr fixed lowest around 3.19%. Not bad either.For the high-balance loans, the lender "hold"the extra profit gains. We can see lower rates once the lender lower the margin.
I locked only one loan for 15 yr fixed for 3.25% for high balance. No better ratesfor this program.
If any of you wants to have better rates,please work closely with your agent. We are very close to my target.
And if it hits my target, it will be thebottom of the rates.