OK once again another heads up for everyone - I've gotten so many calls regarding rates; yes if you locked and are closing soon great - if your lock expires call me as there may very well be extension fees. No you can not get 4% with 0 points! There is no free lunch folks sorry. Yes, rates have gone up slowly - they may come down abit but last week it was 5.70% with 0 points. Call me for clarity if you need too. YES a point or two will and CAN bring the rate down by more then it used too a year ago - call me to explain.

Each borrower/loan is underwitten and reviewed differently. There are no two borrowers alike. What you read in the press is not necessarily truth - you know the drill we've been their before and many have gotten burnt. Call me if you need any further details - I've proven myself to all and will not stop!:)