The Lowest 30 Year Fixed Mortgage Rates I've Ever Seen -- Low to Mid 4's!

Based on the "true conforming" loan limit of $417,000 with 740+ credit scores and 80% loan to value for purchase or rate/term refinance - owner occupied....drum roll please....

4.375% priced with 1 point (apr 4.605)

4.625% priced with 0 points (apr 4.705)

For credit scores of 720-739

4.500% priced with 1 point (apr 4.731)

4.750% priced with 0 points (apr 4.831)

If you're serious about locking in your interest rate for your residence located in Washington State, please apply on-line.

I need to know the following in order to lock or quote:

1. Full legal names
2. Social security numbers
3. Estimated credit scores of each borrower:
   1. 740 or higher mid scores
   2. 720 - 739
   3. 700 - 719
   4. 680 - 699
   5. 640 - 679
   6. below 639 
4. Property address
5. Balances of mortgage(s)
6. If there is a second mortgage, was it obtained when the home was purchased or afterwards?
7. Estimated value of property based on what other homes similar to yours have sold for in your neighborhood (this is probably the toughest factor).
8. How long do you plan on retaining the property/mortgage?

Those who are able to commit to locking are top priority over those who are still shopping rates--this is true with all Loan Originators--they just may not admit it.

11:30 update: I'm all ready receiving rate sheets for the worse.  Mortgage rates are still very attractive...just not as pretty as they were this morning.  This is why you must in a position to commit to a lock...or lose the rate.   Currently, rates are about 0.5% HIGHER TO RATE than what I quoted here this morning.