Mortgage rate questionHi everyone,I am a first time buyer and was just quoted a price on my mortgage interest rate that I can lock in now. I am putting 5% down on my house and have a special "physician's loan" that will not charge PMI. The quote was 30 year fixed rate at 4.125% with "0" points or 4.25% with credit towards my closing costs of .5%. Is there any benefit to waiting or should I just lock in the rate? Is this rate consistent with the market? Thanks for any help you can be- I truly appreciate it.August 21 2012 - Dayton00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.