Great thread and very timely info for me. I’m 60 days from closing on the new home near Denver. The builders lender has offered a 95% loan for 5.65% with the PMI built in and they will pay all the closing cost. They want me to lock that in but I see little to no upside in doing that right now, only downside with the 10 and 30 T’s yields plummeting. I’m going to let it ride in hopes that another 1/4 point or more drop in the next 60 days materializes.
