ARMS have higher rates than 30 YR fixed now.
No longer makes sense.

Jumbo market over $417K is about 6% right now.
Only about 2 weeks left to fund for FNMA.
They stop buying them Dec 31st, unless there is an extension.

Conforming amount for San Diego county should be $556K starting January 1st, but new guidelines aren’t available yet.

It looks like anything over $556K could be 8%+ in January, unless some new programs kick in.