30 Year Fixed at 4.875% (APR 5.156%)

Update:  This rate is no longer available.  It was only available on the date of this post.  Mortgage rates change constantly (sometimes 3-5 times per day).

Based on a loan amount of $400,000 for a "full doc" purchase or rate/term refinance with a 680 credit score or better and a 45 day lock with an 80% loan to value with a reserve account.

4.875% is priced at 1.375% origination/discount (APR 5.156%).

5.000% is priced at a 0.750% origination/discount (APR 5.227%).

Mortgage bonds are posed for a correction (these rates may not last).   You can keep sitting on the fence if you want to...or you can contact your Mortgage Professional today.