More specifically, I am in Contra Costa county and looking for a $625K loan, luckily the house hasn’t depreciated much and have about 30% equity I think.(former SoCal you see. Hope to retire to San Diego as soon as my retirement funds recover.) We have excellent credit and my husband and I both have steady jobs that are not in jeopardy of any sort. We were looking for 4.675 with 0 points until we discovered that we were too late for the Dec 31 closing deadline and too early for the credit union’s next conforming jumbo program.
