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Pas,Simple answer is you (and I'm not scolding you). It is your loan, your lock, your life and your decision. There has been much "news" (which is really rhetoric) about lowering this and that. Here is reality. Mortgages are a market like stocks and you have now seen that the GOVT can;t control the pricing of a market, whether it is stocks, bonds or even oil. They have artificially moved rates lower already. The good news is that they are not that far from their recent lows. The bad news is that when I emailed out to my locals, friends and family that I had 4.5% right at Xmas... The replies came rolling in to me... They replied with ... Martin, please contact me when they hit 4% and then we will apply. Greed and fear are very powerful. Just find a good rate that makes sense or pick a reasonable target and get your loan completed and then you will prosper. I hope your scores are high because if they aren't, mortgage pricing just got more expensive recently based upon scores and purpose. Good luck and keep rockin'.
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