To know what you MIGHT qualify for, here are a few of the factors for the BEST RATE conforming refi loan amount of $417K or under..with a 30 day lock,
NO prepayment penalty,
FULL DOC loan
Financial Reserves (of more than $3.99)
First lien only (NO 2nd, NO HELOC)
NOT taking any cash out
NOT paying off a HELOC (not used to purchase)
Primary Residence
Single Family Home
80% LTV or less
WITH an impound account
Credit score of 680 or higher
NO late mortgage payments in at least 12 months.

Depending on your other monthy debts,
If you don’t meet ALL of the above, you probably don’t qualify for the best rates.

As of 9am today SUBJECT TO CHANGE
the PAR rates for
30 YR fixed is 6.125%
15 YR fixed is 5.375%

Today, a 4.50% 15 YR fixed would cost 3pts in buydown fee to the lender IN ADDITION TO all the other costs.

Rates can change all day, everyday, until they are locked in. One month ago, there were NO points needed to get a 15 YR fixed at below 4.50%.