[quote=teaboy][quote=flu]Ready to lock. Anyone know of a better deal?
Talk me out of it one last time before I lock
(and subsequently see rates plummet).[/quote]

flu, why not see if you can get them to up to rate to 3.25 and give you a hefty lender credit in return. Then refinance again in 3 months when rates will likely be around the same range they are today.

Fed Reaffirms Low-Rate Policy: http://online.wsj.com/article/SB10001424052702304723304577365914274371868.html?mod=googlenews_wsj

I’m just refinancing again myself after netting $6k in Feb… http://piggington.com/refinancing_again_with_negative_points

tb[/quote]

Well, actually, my loan bal is $384k So I’m just asking them to refinance $389, and will use the 5k to pay the cost so I don’t incur anything. Still lower than keeping my current loan. Doing this the APR is about 2.97. My current loan is 3.375