Again, thanks. I locked at 6.25 percent in January. Kind of high, but, though I have a 30-year fixed, I have interest only for 10 years. That’s because I will most likely inherit money and be able to put more to the principle (or is it principal?–I always forget!). Moving in April 1st. Middle-aged, plan to live there for the rest of my life. Quaint, older neighborhood with views to the ocean on a Santa Ana day and it’s 12-15 miles to the ocean. You, and this blog, have been a big help.