I just locked for 180 days with NFCU at 5.625% on what would be considered a super jumbo 30-year fixed rate with over 25% down. I paid 1/2 point which included a 1/4 pt discount fee and a 1/4 pt fee for a one-time float down opportunity if rates decline. The 180-day lock raised the interest rate from their current 5.375% to 5.625%.